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 for Schwab and Fidelity brokerage accounts.

Schwab Deadlines

Type of gift/contribution	Deadline requirement for 2024 tax deduction
Mutual fund	Schwab must receive letter of authorization by close of business Fri., Nov. 22, 2024.
Stock transfer via DTC or DRS	Schwab must receive letter of authorization by close of business Mon., Dec. 2, 2024.
Stock transfer via internal transfer (journal)	Schwab must receive letter of authorization by close of business Mon., Dec. 2, 2024.
Cash (check, wire, internal transfer)	Schwab must receive letter of authorization by close of business Mon., Dec. 2, 2024. Requests submitted via Schwab eAuthorization are accepted through Thurs., Dec. 26, 2024.
Qualified charitable distributions from Individual Retirement Account (IRA)	Schwab must receive letter of authorization by close of business Mon., Dec. 2, 2024. Requests submitted via Schwab eAuthorization are accepted through Thurs., Dec. 26, 2024.

Please also use the following link for a list of critical dates for Schwab Charitable to ensure they meet the IRS deadline for tax deduction eligibility: Year-End Giving Guidelines (schwabcharitable.org).

Fidelity Deadlines

Type of gift/contribution	Deadline requirement for 2024 tax deduction
Mutual fund	Fidelity must receive letter of authorization by close of business Fri., Dec. 6, 2024.
Stock transfer via DTC or DRS	Fidelity must receive letter of authorization by close of business Thurs., Dec. 12, 2024.
Stock transfer via internal transfer (journal)	Fidelity must receive letter of authorization by close of business Thurs., Dec. 12, 2024.
Cash (check, wire, internal transfer)	Fidelity must receive letter of authorization by close of business by Mon., Dec. 9, 2024.
Qualified charitable distributions from Individual Retirement Accounts (IRA)	Fidelity must receive letter of authorization by close of business Mon., Dec. 9, 2024.

Please also use the following link for a list of critical dates 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.

Insights Tags

Charitable Gift Funds

Back to Insights

September 9, 2025

Ask the Expert Videocast: Willamette Valley Benefits

In Coldstream’s inaugural Ask the Expert videocast episode, Wealth Manager Glen Goland, JD, CFP®, invites guest Elma Friend, President of Willamette Valley Benefits, to discuss Medicare. With over three decades of experience in healthcare and a focus on Medicare, Elma brings a wealth of expertise around Medicare trends and issues. Willamette Valley Benefits specializes in [...]

Contributions from: Glen Goland, CFP®, JD

August 15, 2025

Maximizing Your Meta Benefits: A Strategic Guide for 2025

Meta provides an extensive range of benefits that can enhance your wealth, manage risk, and secure your future. By integrating Meta’s compensation, retirement, and health benefits into your financial plan, you can better align these offerings with your long-term goals. Equity Awards Meta’s stock units can be a powerful tool to help you achieve your [...]

Contributions from: Katie Berntson, CFP®

August 11, 2025

Required Minimum Distributions: Rules and Strategies

Qualified retirement accounts can be powerful tools in saving for your later years, but along with the benefits of pre-tax contributions and tax-deferred growth, there are limitations and rules that apply. A good thing can’t last forever, and―as the Beatles said―the taxman will eventually come for his cut. That’s where Required Minimum Distributions, or RMDs, [...]

Contributions from: Matt Sampson, CFP®, CEPA®, Jay Winston, CFP®, CAP®

November 13, 2024