How the Middle Class Misses Out on Charitable Remainder Trusts

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How the Middle Class Misses Out on Charitable Remainder Trusts

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In episode 76 of Wealth Distribution with Fexingo, Lucas and Luna explore why charitable remainder trusts—a powerful tax and income planning tool—are virtually inaccessible to middle-class families. The episode centers on a hypothetical couple, the Millers, who have $600,000 in retirement savings and want to leave a legacy while generating lifetime income. Lucas walks through how a CRT works, the $100,000 minimum contribution barrier, and why the lack of professional advice keeps 99% of households from even knowing this option exists. Luna pushes back on whether complexity is the real problem. They also discuss the new IRS ruling from May 2026 that eases some restrictions on smaller trusts. The episode closes with the fundamental question: is the tax code designed to reward assets already in motion, or to jumpstart new giving? #CharitableRemainderTrusts #TaxPlanning #EstatePlanning #Philanthropy #WealthTransfer #RetirementIncome #TaxCodeInequality #IncomeTax #CharitableGiving #Trusts #FinancialAccess #MiddleClass #EconomicMobility #IRS #FexingoBusiness #BusinessPodcast #WealthGap #Economics Keep every episode free: buymeacoffee.com/fexingo

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