Donor-Advised Fund Optimization Tool

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Donor-Advised Fund Optimization Tool

Inspired by a conversation on:

The Long Term Investor

The Long Term Investor

Year-End Tax Planning After the OBBBA with Susan Jones (Plancorp) (EP.224)

Host: Peter Lazaroff

Timestamp: 04:00 - 06:00

Listen to Episode • View Podcast • All Ideas from The Long Term Investor

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Feather Flow

Direct Quote

"You really have to think through, well, is that AGI? Because their AGI is going to be so high."

Market Gap

High-income taxpayers struggle with optimizing charitable deductions.

High-income taxpayers often find themselves confused about the best way to optimize their charitable contributions, especially with the new 2% floor on charitable deductions based on adjusted gross income (AGI). This confusion can lead to missed opportunities for maximizing tax benefits. Current strategies like donor-advised funds (DAFs) may need recalibrating, and without proper guidance, taxpayers may not be able to effectively manage their giving in light of these new rules. This is particularly relevant as charitable giving is a significant part of financial planning for many individuals and families.

Summary

A software tool that assists high-income taxpayers in optimizing their donor-advised fund contributions based on real-time AGI calculations could be highly beneficial. This tool can guide users on the best timing for contributions and provide projections on how different strategies will affect their tax liabilities. By integrating multi-year projections, users could see how their charitable contributions fit into their overall financial strategy, especially as they approach retirement. The tool could also provide alerts and reminders for key contribution deadlines to ensure users maximize their charitable giving benefits.

Categorization

Business Model
SaaS
Target Founder
Technical
Difficulty
Medium
Time to Revenue
3-6 months
Initial Investment
$1,000-$10,000

Potential MRR (18-24 months)

Conservative
$5,000 - $10,000 MRR
Moderate (Most Likely)
$15,000 - $30,000 MRR
Optimistic
$40,000 - $70,000 MRR

* Estimates assume solo founder/bootstrap scenario with competent execution

Scores

Clarity
8/10
Novelty
7/10
Feasibility
6/10
Market Potential
8/10
Evidence
7/10
Overall
7/10
Found on October 1, 2025 • Analyzed on October 1, 2025 8:21 AM

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