Smart Money with Keith Springer Saturdays at 1PM and Sundays at 6AM on NewsRadio KFBK 93.1 FM and 1530 AM

Keith Springer On How To Plan Charitable Giving

Keith Springer On How To Plan Charitable Giving

Sacramento, CA ( November 13, 2012 – America is a generous nation, and unselfish concern for the welfare of others is one of the hallmarks of a great society. Some traditions make it a practice to give away as much as 10 percent of one‘s earnings. To many, that may seem like a lot, especially in a down economy. On the other hand, remember that hard times mean hard times for charities, too. At whatever level you‘re comfortable giving, there’s no better feeling than helping those in need. Here are some tips on how to maximize your charitable dollars.

Select a charity. With so many worthy charitable organizations out there, it can be a little overwhelming to choose one to support. Find a particular cause you want to champion -one you feel passionate about. Perhaps it’s underprivileged children, battered women, abandoned animals or victims of natural disasters. There‘s plenty of need. If you‘re not sure where to start, you can research local charities by visiting or

Determine your contribution. Meeting with a financial adviser will help you determine a budget and establish an amount you feel comfortable donating. By designating a practical amount to give, you‘re more likely to give consistently without worry. If you have more time than money, you might consider volunteering. Most charities can always use an extra hand. Or, if you possess skills that a charity might need, consider donating your services.

Create a schedule. Many people wait until the holidays to give, but that can create stress if you’re on a tight year-end budget with gifts to purchase. Avoid the discomfort and guilt associated with last-minute donations by distributing your contributions through¬out the year. With your consent, most charities will gladly set up automatic payment plans, so your contributions can be delivered without hassle each month or quarter.

Understand the benefits. In addition to warm feelings, your donations possibly entitle you to tax benefits. Though charities will often send a thank you receipt around tax time, keep track of what you give to whom, and consult a financial adviser with any tax questions you have. Also, remember that if you show up and volunteer, you will meet like-minded individuals and broaden your circle of contacts -a benefit no businessperson should ever overlook.

Inspire others. Your story has the power to inspire and move others to take action. Share your experience with your family, friends and even coworkers. One person can only do so much, but a crowd can accomplish truly great things.

Springer Financial Advisors ("Advisor") is a federally registered investment adviser located in Sacramento, California. Advisor and its representatives are in compliance with the current filing requirements imposed upon registered investment advisers by the Securities and Exchange Commission and the State of California. Advisor's web site and its emails of general distribution are limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of Advisor's web site on the Internet or dissemination of informational emails should not be construed by any consumer and/or prospective client as Advisor's solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. A copy of Advisor's current written disclosure statement discussing Advisor's business operations, services, and fees is available from Advisor upon written request. You may also obtain publicly available information about Advisor through the SEC website as follows: Advisor does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to Advisor's web site or incorporated in an email, and takes no responsibility therefore. All such information is believed to be reliable and authoritative but does not constitute sufficient information to be the sole basis for sound investment decisions and all users thereof should be guided accordingly. Past performance may not be indicative of future results. Therefore, no current or prospective client should assume that future performance of any specific investment or investment strategy (including the investments and/or investment strategies recommended or undertaken by Advisor) made reference to directly or indirectly by Advisor in its web site, email, or indirectly via a link to an unaffiliated third party web site, will be profitable or equal the corresponding indicated performance level(s). Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will either be suitable or profitable for a client or prospective client's investment portfolio. Certain portions of Advisor's web site (i.e. articles, commentaries, etc.) may contain a discussion of, and/or provide access to, Advisor's (and those of other investment and non-investment professionals) positions and/or recommendations as of a specific prior date. Due to various factors, including changing market conditions, such discussion may no longer be reflective of current position(s) and/or recommendation(s). Moreover, no client or prospective client should assume that any such discussion serves as the receipt of, or a substitute for, personalized advice from Advisor, or from any other investment professional. The information is of a general nature and should not be applied indiscriminately to particular situations wherein it may not be completely applicable. Advisor is neither an attorney nor an accountant, and no portion of the content should be interpreted as legal, accounting or tax advice.