Insights
November 7, 2025
Year-End Charitable Gifting Deadlines
In Estate Planning, Financial Planning, Philanthropy, Tax Planning
As we near the end of the year, it’s time to wrap up year-end charitable giving. To ensure that your gift donations are processed by year-end, please follow the deadline guidelines below provided by Schwab and Fidelity for your brokerage accounts.
Schwab Year-End Gifting Deadlines
| Type of gift/contribution | Deadline requirement for 2025 tax deduction |
| Mutual fund | Schwab must receive letter of authorization by close of business Mon., Dec. 1, 2025. |
| Stock transfer via DTC or DRS | Schwab must receive letter of authorization by close of business Mon., Dec. 15, 2025. |
| Stock transfer via internal transfer (journal) | Schwab must receive letter of authorization by close of business Mon., Dec. 1, 2025. |
| Cash (check, wire, internal transfer) | Schwab must receive letter of authorization by close of business Mon., Dec. 1, 2025. Requests submitted via Schwab eAuthorization are accepted through Fri., Dec. 26, 2025. |
| Qualified charitable distributions from Individual Retirement Account (IRA) | Schwab must receive letter of authorization by close of business Mon., Dec. 1, 2025. Requests submitted via Schwab eAuthorization are accepted through Fri., Dec. 26, 2025. |
Please also use the following link for a list of critical dates pertaining to donor advised fund accounts for Schwab Charitable to ensure they meet the IRS deadline for tax deduction eligibility: Year-End Giving Guidelines
Fidelity Year-End Gifting Deadlines
| Type of gift/contribution | Deadline requirement for 2025 tax deduction |
| Mutual fund | Fidelity must receive letter of authorization by close of business Fri., Dec. 5, 2025. |
| Stock transfer via DTC or DRS | Fidelity must receive letter of authorization by close of business Fri., Dec. 12, 2025. |
| Stock transfer via internal transfer (journal) | Fidelity must receive letter of authorization by close of business Mon., Dec. 8, 2025. |
| Cash (check, wire, internal transfer) | Fidelity must receive letter of authorization by close of business by Mon., Dec. 8, 2025. |
| Qualified charitable distributions from Individual Retirement Accounts (IRA) | Fidelity must receive letter of authorization by close of business Mon., Dec. 8, 2025. |
Please also use the following link for a list of critical dates for dates pertaining to donor advised fund accounts for Fidelity Charitable to ensure they meet the IRS deadline for tax deduction eligibility: Charitable Year End Tax Guidelines | Fidelity Charitable
If you would like assistance with your year-end giving planning or have any questions, please contact your advisory team.
Disclosures & Disclaimers: This information is provided for illustrative purposes only and should not be relied upon as the sole basis for investment decisions. Past performance is not indicative of future results.
DISCLAIMER: THIS MATERIAL PROVIDES GENERAL INFORMATION ONLY. COLDSTREAM DOES NOT OFFER LEGAL OR TAX ADVICE. ONLY PRIVATE LEGAL COUNSEL OR YOUR TAX ADVISOR MAY RECOMMEND THE APPLICATION OF THIS GENERAL INFORMATION TO ANY PARTICULAR SITUATION OR PREPARE AN INSTRUMENT CHOSEN TO IMPLEMENT THE DESIGN DISCUSSED HEREIN.
CIRCULAR 230 NOTICE: TO ENSURE COMPLIANCE WITH REQUIREMENTS IMPOSED BY THE IRS, THIS NOTICE IS TO INFORM YOU THAT ANY TAX ADVICE INCLUDED IN THIS COMMUNICATION, INCLUDING ANY ATTACHMENTS, IS NOT INTENDED OR WRITTEN TO BE USED, AND CANNOT BE USED, FOR THE PURPOSE OF AVOIDING ANY FEDERAL TAX PENALTY OR PROMOTING, MARKETING, OR RECOMMENDING TO ANOTHER PARTY ANY TRANSACTION OR MATTER.
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