Retirement Planning : Helping clients plan for retirement by analyzing current savings, and projected retirement needs, and creating strategies to achieve retirement goals. Education Planning : Assisting clients in saving for their children’s education expenses through various investment vehicles like 529 plans. Estate Planning : Advising on the distribution of assets upon death, minimizing estate taxes, and ensuring a smooth transfer of wealth.

Managed Philanthropy

Managed philanthropy at Global Advisers is designed for clients seeking to align charitable giving with long-term financial, tax, and legacy objectives. We offer comprehensive, fiduciary-aligned philanthropic advisory and management services, delivered in partnership with top-tier providers of donor-advised funds and charitable vehicles.

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What Is Managed Philanthropy?

Managed philanthropy refers to the end-to-end advisory and operational support of charitable giving. This includes selecting optimal giving vehicles (e.g., donor-advised funds or private foundations), advising on tax-smart donation strategies (e.g., non-cash assets), and integrating philanthropic goals into your overall financial plan. We manage compliance, asset transfers, grantmaking, and reporting—so you can focus on your mission.

Is Managed Philanthropy Right For You?

Managed Philanthropy is suited for high-net-worth individuals, families, and business owners with a desire to give back in a structured, tax-efficient, and strategic manner. Whether you’re launching a new charitable effort or managing an established giving program, we provide the insight and infrastructure to make your vision sustainable. Our role is to integrate philanthropy seamlessly into your overall wealth plan—from evaluating optimal giving vehicles to implementing donation strategies that reflect your values, maximize tax efficiency, and create lasting impact.

1) What’s most important?

Step 1 of 4

Pick all that apply

These guide whether a charitable account (DAF), direct gifts, or a foundation makes sense.

2) What would you give?

Step 2 of 4

Pick all that apply

Donating investments (instead of selling first) may avoid capital gains tax; IRA gifts (QCDs) have special rules.

3) A few quick facts

Step 3 of 4

Do you usually itemize deductions?

If you don’t itemize, “bunching” gifts into one tax year can help. Your CPA can confirm.

Age 70½ or older in this tax year?

If yes and you have an IRA, a QCD may reduce taxable IRA withdrawals.

How hands-on do you want to be?

Timing preference

Advanced options (optional)

Privacy preference

Family involvement

4) Your best-fit paths

Step 4 of 4

Talk to Global Advisers

We coordinate account setup and transfers and loop in your CPA as needed.

Account Structure and Support

Charitable accounts can be opened in as little as 24 hours, with no minimum contribution required to start. Accounts are supported by a robust digital platform for grant recommendations, performance tracking, and documentation. All services are delivered with the same fiduciary care and attention as our investment advisory platform.

Philanthropic causes vary globally. We help nonprofits refine and implement their strategies globally.

Percentage of philanthropists by region.[3]

United States

Europe

Middle East

Asia

Healthcare
Environment
Education

Social Issues
Religion

Types of Contributions We Support

Charitable accounts can be opened in as little as 24 hours, with no minimum contribution required to start. Accounts are supported by a robust digital platform for grant recommendations, performance tracking, and documentation. All services are delivered with the same fiduciary care and attention as our investment advisory platform.

Cash and publicly traded securities
Privately held business interests
Restricted and IPO stock
Real estate and private fund interests
Cryptocurrency and digital assets
Fine art, collectibles, and other non-traditional assets

Philanthropy Planning & Strategy

Charitable accounts can be opened in as little as 24 hours, with no minimum contribution required to start. Accounts are supported by a robust digital platform for grant recommendations, performance tracking, and documentation. All services are delivered with the same fiduciary care and attention as our investment advisory platform.

Weigh the pros and cons of donor-advised funds vs. private foundations
Understand QCDs, bunching strategies, and timing of gifts
Select and vet recipient organizations
Ensure charitable giving aligns with family governance and legacy goals

Core Services & Capabilities

Charitable strategy development and goal setting
Analysis and recommendation of charitable vehicles
Tax-efficient donation planning (including non-cash assets)
Integration with estate, trust, and investment planning

Investment management of charitable assets
Grant administration and tracking
Succession planning for family giving
Ongoing reporting and compliance support

FAQ About Managed Philanthropy

When should I review my insurance coverage in relation to my financial plan?Stephen Kovach2025-08-17T01:55:05-04:00

When should I review my insurance coverage in relation to my financial plan?

Insurance needs evolve with life changes such as marriage, children, home purchases, or retirement. Reviewing coverage at least every few years—or after major life events—helps ensure your protection strategy remains aligned with your financial plan. We work alongside clients to integrate these reviews into their ongoing financial planning process.

How does insurance affect investment decisions?Stephen Kovach2025-08-17T01:54:54-04:00

How does insurance affect investment decisions?

Insurance can influence how aggressively or conservatively you invest. For example, having adequate protection in place may give you confidence to take on more investment risk, while gaps in coverage may require a more conservative approach. We focus on integrating insurance considerations into portfolio construction so that risk management and growth strategies work together.

What kinds of insurance should I consider as part of financial planning?Stephen Kovach2025-08-17T01:54:45-04:00

What kinds of insurance should I consider as part of financial planning?

Depending on your stage of life and personal circumstances, insurance may include life, disability, long-term care, health, or property and liability coverage. While insurance agents provide the actual products and details, we help you think through which types of protection support your broader financial objectives and risk tolerance.

How does insurance fit into a comprehensive financial plan?Stephen Kovach2025-08-17T01:54:36-04:00

How does insurance fit into a comprehensive financial plan?

Insurance provides financial protection against risks that could otherwise derail your long-term investment strategy. It’s not just about policies—it’s about ensuring that unexpected events such as illness, disability, or death don’t compromise your ability to reach financial goals. Our role is to help clients evaluate how different coverage types align with their overall wealth plan.

How often should I revisit tax planning within my financial plan?Stephen Kovach2025-08-17T01:52:29-04:00

How often should I revisit tax planning within my financial plan?

Because tax laws and personal circumstances change, it’s wise to review your financial plan with tax awareness at least once a year, and whenever significant events occur—such as selling a business, receiving a large bonus, or retiring. These reviews help ensure your investment strategy remains aligned with your goals, while your tax professional ensures compliance with current regulations.

What areas of tax planning should investors pay attention to most?Stephen Kovach2025-08-17T01:52:17-04:00

What areas of tax planning should investors pay attention to most?

Common areas include retirement account contributions, required minimum distributions, capital gains, and estate considerations. Each of these can impact when and how much you keep of your investment earnings. We work with clients to model how these factors may affect their broader wealth plan, leaving tax calculations and compliance to their CPA or tax professional.

How can tax planning impact my investment strategy?Stephen Kovach2025-08-17T01:52:08-04:00

How can tax planning impact my investment strategy?

Taxes can affect your net returns, making tax awareness an important part of portfolio construction. Asset location—deciding which investments are held in taxable accounts versus retirement accounts—can influence long-term growth. We help illustrate how strategies like tax-efficient investing or rebalancing might fit within your overall financial plan, while your tax advisor handles the technical rules and filings.

What does tax planning mean in the context of financial planning?Stephen Kovach2025-08-17T01:51:54-04:00

What does tax planning mean in the context of financial planning?

In financial planning, tax planning refers to aligning your investment and savings strategies with awareness of how taxes may affect your overall wealth. While tax professionals provide the detailed guidance, we focus on helping clients understand how investment decisions, account types, and timing of withdrawals may influence their after-tax outcomes.

How often should I revisit my business plan as it relates to financial planning?Stephen Kovach2025-08-17T01:49:23-04:00

How often should I revisit my business plan as it relates to financial planning?

A business plan tied to personal finances should be reviewed regularly—at least annually—and whenever there are major changes such as expansion, ownership changes, or shifts in cash flow. These reviews provide an opportunity to update investment strategies, reassess retirement contributions, and ensure your personal financial plan evolves alongside your business.

What financial planning areas should business owners focus on most?Stephen Kovach2025-08-17T01:49:16-04:00

What financial planning areas should business owners focus on most?

Key areas include liquidity management, retirement plan structures, risk management, and succession planning. Business owners also benefit from strategies to diversify wealth outside the company to reduce concentration risk. We help analyze how these elements fit into an integrated financial strategy that supports both business stability and personal wealth growth.

How can business planning affect my personal financial goals?Stephen Kovach2025-08-17T01:49:03-04:00

How can business planning affect my personal financial goals?

Your business is often your largest asset, and decisions within it directly impact your personal wealth. Choices like reinvesting profits, paying yourself a salary, or setting up retirement plans influence your long-term financial picture. While accountants and attorneys address tax and legal requirements, our role is to show how business cash flow and investment decisions connect to personal retirement, estate, and wealth-building goals.

What does business planning mean in the context of financial planning?Stephen Kovach2025-08-17T01:48:48-04:00

What does business planning mean in the context of financial planning?

From an investment perspective, business planning is about aligning your company’s financial resources and growth objectives with long-term wealth goals. This includes cash flow strategies, reinvestment decisions, retirement planning for owners, and preparing for eventual succession or sale. We help business owners evaluate how business strategies integrate with their personal financial plans.

How should I approach risk and withdrawals in retirement?Stephen Kovach2025-08-17T01:35:09-04:00

How should I approach risk and withdrawals in retirement?

Managing risk is a balancing act: you need enough growth to outpace inflation, but enough stability to avoid tapping into assets during market downturns. Many use a tiered approach—liquid, low-risk assets cover near-term spending, while remaining investments support growth. Withdrawal strategies should be flexible, incorporating safe initial withdrawal rates and adjusting as needed to ensure longevity.

When should I start budgeting and adjusting my investment portfolio?Stephen Kovach2025-08-17T01:35:00-04:00

When should I start budgeting and adjusting my investment portfolio?

Ideally, you begin reviewing your retirement plan well before retiring. About 5–10 years out, it’s wise to reduce high-risk holdings and build a cash reserve (often 1–2 years’ worth of withdrawals). This “bucket strategy”—allocating funds into short-term cash, mid-term bonds, and long-term equity—helps buffer volatility while keeping growth on track.

How much do I need to retire?Stephen Kovach2025-08-17T01:34:50-04:00

How much do I need to retire?

There’s no one-size-fits-all answer—needs vary by lifestyle, projected expenses, and length of retirement. Common approaches include aiming for 70–100% of pre-retirement income, applying the “4% rule” (dividing desired annual income by 4%), or calculating based on multipliers like saving 10× your final salary. We help tailor projections using personalized goals and account for other income streams when available.

What does retirement planning encompass from an investment perspective?Stephen Kovach2025-08-17T01:34:41-04:00

What does retirement planning encompass from an investment perspective?

Retirement planning means aligning your broader financial strategy with long-term goals—thinking about how income sources, spending needs, and investment allocations evolve once you stop working. While legal or tax professionals handle things like Social Security strategies, pensions, or account rules, we focus on crafting a sustainable investment plan designed to support your desired retirement lifestyle.

Why is flexibility important in planning for life events?Stephen Kovach2025-08-17T01:30:40-04:00

Why is flexibility important in planning for life events?

Because life is unpredictable, it’s wise to build flexibility into your financial plan. That means maintaining an emergency fund, regularly reviewing your goals, and being prepared to pivot your savings priorities—whether that’s boosting liquidity, reallocating assets, or adjusting projected timelines. We help clients structure plans that adapt without derailing long-term objectives.

Which life events commonly prompt financial adjustments?Stephen Kovach2025-08-17T01:30:31-04:00

Which life events commonly prompt financial adjustments?

Some life events frequently trigger financial planning needs, such as:

Experiencing a pay raise or career change
Getting married or divorced
Welcoming a child or growing your family
Buying a home
Entering retirement or facing health changes

While advisors or attorneys may handle legal or tax processes, we help explore how those events impact your current and future investment plan, whether it’s adjusting your saving rate, reprioritizing goals, or revising risk profiles.

How can an investment adviser support me through life events?Stephen Kovach2025-08-17T01:29:59-04:00

How can an investment adviser support me through life events?

We help you translate emotional and financial changes into actionable investment strategies—not by handling legal or tax particulars, but by focusing on your overall financial trajectory. Whether your income rises, expenses shift, or new goals emerge, we can model how those changes impact your retirement timeline, portfolio allocation, and savings flows.

What constitutes a significant life event in financial planning?Stephen Kovach2025-08-17T01:29:49-04:00

What constitutes a significant life event in financial planning?

Major life events are those pivotal moments—like job promotions, marriage, divorce, starting a family, buying a home, or retirement—that often necessitate reassessment of your financial strategy. Each event may affect income, savings capacity, risk tolerance, and your investment objectives. As investment advisers, we help clients recalibrate their investment plan in response to these transitions.

What role do wills, trusts, and beneficiary designations play in estate planning?Stephen Kovach2025-08-17T01:24:07-04:00

What role do wills, trusts, and beneficiary designations play in estate planning?

These are foundational tools in estate planning:

Wills guide how assets not otherwise titled or designated will be distributed.
Trusts—such as revocable living trusts—can help avoid probate, offer privacy, and facilitate smoother asset transfer
Fidelity
Beneficiary designations (e.g., on retirement accounts) allow assets to pass directly without needing probate.

As investment advisers, our focus is on how changes in these documents potentially affect your financial balance sheet, cash flow planning, portfolio composition, and long‑term wealth goals.

Who really needs estate planning—even if I don’t have much?Stephen Kovach2025-08-17T01:23:49-04:00

Who really needs estate planning—even if I don’t have much?

Nearly everyone can benefit from having a basic plan in place, regardless of asset size. If you have financial accounts, personal belongings, or dependents, estate planning helps ensure your wishes are followed and that transitions are smoother for your heirs. While you might handle legal documents with a professional, we help you think through how your investment assets should be handled within your financial planning framework

How often should an estate plan be revisited?Stephen Kovach2025-08-17T01:23:39-04:00

How often should an estate plan be revisited?

It’s generally smart to have periodic reviews—at least every 3 to 5 years—and also after major life events like marriage, divorce, new children, significant asset changes, or the death of a loved one. From our standpoint, these reviews are opportunities to update investment allocations, savings strategies, and projections to reflect your current financial picture.

What is estate planning, and why does it matter?Stephen Kovach2025-08-17T01:23:33-04:00

What is estate planning, and why does it matter?

From our perspective, estate planning is more than just legal documents—it’s about aligning your investment strategy with long‑term goals, ensuring your financial legacy is managed thoughtfully. While legal professionals handle tools like wills, trusts, and beneficiary designations, we can show how these tools might impact investment strategies, inheritance outcomes, and financial projections. Once basic documents are in place, we help you keep investments aligned with evolving objectives.

Note: Legally, estate planning involves documents like wills, trusts, powers of attorney, and healthcare directives. It’s not solely for the very wealthy—everyone with assets or loved ones can benefit

How does college planning fit into an overall financial strategy?Stephen Kovach2025-08-17T01:19:25-04:00

How does college planning fit into an overall financial strategy?

Paying for college is one of the largest financial goals many families face. We help clients look at how education savings fits into their broader investment plan, balancing it alongside retirement, home ownership, and other priorities. Our role is to show how different savings choices may affect your long-term financial picture, without providing legal or tax advice.

What types of accounts are commonly used to save for college?Stephen Kovach2025-08-17T01:19:13-04:00

What types of accounts are commonly used to save for college?

Families often use accounts such as 529 savings plans, custodial accounts, or general investment accounts. Each option has its own features, including potential tax advantages, flexibility, and ownership rules. While attorneys or tax professionals can advise on the specific tax treatment, we help clients compare how different accounts may align with their investment goals, time horizons, and liquidity needs.

How much should I save for college?Stephen Kovach2025-08-17T01:18:58-04:00

How much should I save for college?

The right savings target depends on your family’s unique situation, including the type of school you expect your child to attend, projected costs, and other resources you may have available. We can run projections that illustrate different savings paths and how they may impact your overall financial plan. Decisions about how much to save are personal, and we provide guidance on aligning those choices with your long-term objectives.Paying for college is one of the largest financial goals many families face. We help clients look at how education savings fits into their broader investment plan, balancing it alongside retirement, home ownership, and other priorities. Our role is to show how different savings choices may affect your long-term financial picture, without providing legal or tax advice.

What happens if my child doesn’t go to college or gets a scholarship?Stephen Kovach2025-08-17T01:18:48-04:00

What happens if my child doesn’t go to college or gets a scholarship?

Some accounts, like 529 savings plans, can be used for qualified education expenses beyond college or even transferred to another family member. If funds are not needed for education, they may be redirected or repurposed as part of your broader financial strategy. We help clients explore scenarios so they understand how unused funds may affect their investment planning, while tax or legal questions are best addressed with the appropriate professionals.

What should I consider for my financial future after divorce?Stephen Kovach2025-08-16T01:18:00-04:00

What should I consider for my financial future after divorce?

Post-divorce, it’s common to have a new set of financial priorities. Some clients may need to rebuild emergency savings, update investment objectives, or plan for retirement with revised income and expense assumptions. While estate, legal, and tax questions are handled by the appropriate professionals, our focus is on making sure your investment plan reflects your updated goals and circumstances.

Should I review my retirement and investment accounts during divorce?Stephen Kovach2025-08-16T01:17:53-04:00

Should I review my retirement and investment accounts during divorce?

Yes. Divorce often requires adjustments to accounts and beneficiary designations. While attorneys and tax professionals handle the formal division of retirement assets, we help clients review how these changes may affect long-term projections. This includes reassessing contribution strategies, withdrawal timelines, and portfolio allocations to keep you on track toward your goals.

What role does an investment adviser play in divorce planning?Stephen Kovach2025-08-16T01:17:45-04:00

What role does an investment adviser play in divorce planning?

Our role is to help you understand the financial implications of the choices you may face during and after divorce. We do not provide legal or tax advice, but we can model how different scenarios—such as changes in income, savings rates, or asset transfers—may affect your ability to reach retirement and other goals. We also help ensure that investment strategies remain consistent with your new financial situation.

How does divorce impact my financial planning?Stephen Kovach2025-08-16T01:17:21-04:00

How does divorce impact my financial planning?

Divorce can significantly affect your overall financial picture, including income, expenses, assets, and retirement savings. From an investment perspective, it’s important to reassess your goals, update your budgets, and re-evaluate your portfolio strategy once household finances change. While legal and tax professionals address issues such as property division and tax filings, we focus on helping clients adjust their investment and savings strategies to stay aligned with long-term objectives.

How is Global Advisers different from other financial planning firms?Stephen Kovach2025-08-04T02:42:33-04:00

How is Global Advisers different from other financial planning firms?

Global Advisers provides truly independent, conflict-free financial planning built on a fiduciary standard. Unlike many firms that rely on generic models or sales-driven approaches, we deliver personalized strategies tailored to your goals, risks, and values. Our planning process is structured, transparent, and designed to evolve as your life does—so your plan stays aligned with what matters most to you.

What should a good financial plan include?Stephen Kovach2025-08-04T02:42:27-04:00

What should a good financial plan include?

A comprehensive financial plan should do more than just track investments. It must integrate your income, expenses, savings goals, insurance needs, debt management, and future priorities into one cohesive strategy. At Global Advisers, we design plans that provide clarity, confidence, and long-term direction—helping you make informed decisions at every stage of life.

How can a financial plan help protect me during inflation or economic downturns?Stephen Kovach2025-08-04T02:42:21-04:00

How can a financial plan help protect me during inflation or economic downturns?

A well-built financial plan provides structure during uncertain times. At Global Advisers, we help you prepare for inflation, market declines, and unexpected life events by stress-testing scenarios, diversifying risk, and building in flexibility. The result is a strategy that keeps you focused on long-term goals—even when the economy shifts.

Financial PlanningStephen Kovach2024-06-01T06:09:16-04:00

Financial Planning

Retirement Planning: Helping clients plan for retirement by analyzing current savings, and projected retirement needs, and creating strategies to achieve retirement goals.
Education Planning: Assisting clients in saving for their children’s education expenses through various investment vehicles like 529 plans.
Estate Planning: Advising on the distribution of assets upon death, minimizing estate taxes, and ensuring a smooth transfer of wealth.

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September 22, 2020

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Managed Philanthropy

What Is Managed Philanthropy?

Is Managed Philanthropy Right For You?

Giving Strategy Builder

Account Structure and Support

Philanthropic causes vary globally. We help nonprofits refine and implement their strategies globally.

Types of Contributions We Support

Philanthropy Planning & Strategy

Core Services & Capabilities

FAQ About Managed Philanthropy

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Is Early Retirement Right For You?

Understanding Retirement Risks

Tax Strategies for Smart Investing

Caring for elder family members: cognitive decline

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