Bunching your charitable gifts into one big year is the standard fix for the new 0.5% floor. But two years, three, or five? Stack too little and you never clear the bar; stack too much and you run into the AGI ceiling. Here is how to size a bunch that actually fits your numbers.

The standard deduction is now so high that most people get no tax benefit from their giving at all. Bunching fixes that — you stack several years of gifts into one year, deduct it all at once, and let a donor advised fund hand the money out on the old schedule. Here's exactly how it works.