For San Diegans, integrating charitable activities into your retirement plan not only provides personal fulfillment but also creates a lasting impact in your community.
Embarking on your philanthropic journey in retirement may seem daunting, but with a few strategic steps and the right charitable partner(s), you can add charitable giving into your life.
Lessons from Aunt Hattie
Hattie Ettinger worked for the St. Louis Zoo for nearly 40 years. Through her work, she valued the importance of a greater appreciation and understanding of nature.
When it came time for her to retire, Ettinger moved to San Diego to be closer to her niece, Janie DeCelles. Together, the two explored the region’s natural landscape and grew to a mutual love for it.
“We would go from one end of the county to another, and when she saw the biological diversity that exists here – it intrigued her, and she wanted to preserve it so people could enjoy it in the future,” DeCelles said.
The pair also shared a strong passion for helping the community. They regularly talked about regional initiatives, public spending and what everyday San Diegans could do to support the community.
“After many conversations, I recommended to Hattie that she consider giving more of her money to the nonprofit community – rather than paying estate taxes – so she could have a say in where her dollars went,” recalled Janie.
Ettinger agreed with the idea and asked her niece to research San Diego’s philanthropic options.
So began their partnership with San Diego Foundation.
Upon her passing, Ettinger established the Hattie Ettinger Conservation Fund at SDF with DeCelles named as the fund’s advisor. And thanks to DeCelles’ continued involvement, the legacy fund has supported organizations working to protect, connect and increase access to San Diego’s outdoor space for nearly two decades.
“By having this fund at the Foundation, it’s allowed me to get involved with my community and feel like I’m really a part of it,” said DeCelles. “It allows me to keep talking about my aunt 25 years after she passed away.”
5 Steps to Get Started in Retirement Philanthropy
Hattie Ettinger’s story is one of many San Diegans who turn to SDF for their philanthropy after they retire.
Below is an outline of five practical steps to get started with charitable giving in retirement, ensuring that your charitable efforts align with your financial goals and values – just like Hattie’s.
1. Identify Your Passion
Start by identifying the causes that matter most to you. Reflect on your values, interests and the issues you care about deeply. Whether it’s supporting college scholarships, outdoor access to green spaces or family services, focusing charitable activities or investments for a cause you are passionate about makes your philanthropic journey more rewarding.
If you’re not sure where to start, check the San Diego Foundation (SDF) core impact areas to get a better understanding of the most pressing issues facing our region so you can make the most significant impact.
2. Research Organizations
Take the time to research nonprofit organizations that align with your interests. Look for reputable charities with a proven track record of impact and financial transparency. Websites like Charity Navigator and Candid (previously GuideStar) are excellent resources for nonprofit research.
Another option is to download the SDF 2023 Nonprofit Giving Guide to discover 25 local, grassroots nonprofits making a difference in our communities.
3. Consult with Financial Advisors
Speak with financial advisors and tax professionals to understand the best charitable giving strategies for your financial situation. Wealth advisors, tax planners and estate planners can help you navigate the complexities of tax laws and develop a plan that maximizes your impact and tax benefits.
Our SDF Giving Team often partners with professional advisors to develop tax-smart charitable giving plans for retirees and families.
4. Choose the Right Giving Vehicle(s)
Consider the different ways to give during retirement, such as cash or credit card donations, stock transfers, or setting up a donor-advised fund (DAF). Each method has its advantages, and a diversified approach can help you achieve your philanthropic goals effectively.
At SDF, we can help donors simplify giving and maximize impact through DAFs and other giving vehicles, such as legacy funds.
5. Get Involved and Volunteer
Beyond financial contributions, consider donating your time and skills. Volunteering with local organizations allows you to see the impact of your efforts firsthand and build deeper connections with the causes you support.
Whether it’s mentoring, tutoring, serving meals, or assisting with administrative tasks, your time can make a significant difference.
Live Well San Diego has curated a list of national databases that can be searched for local volunteer opportunities, including:
- AmeriCorps – Volunteer database
- BoardStrong– Nonprofit board database
- Catchafire – Skill-based volunteer database
- Create the Good / AARP – Volunteer database
- Idealist – Volunteer and intern database
- Points of Light Engage – Volunteer database
- Taproot Plus – Skill-based volunteer database
- gov – Public service and volunteer database
- VolunteerMatch – Volunteer database
Learn More
Starting your charitable giving journey in retirement is a fulfilling way to give back to your community and leave a legacy.
By following these steps, you can ensure your contributions are meaningful, impactful and aligned with your personal values and financial goals.