With so many people needing so much help right now, you have a unique opportunity to teach younger family members the value of giving back. Here are three ways to make giving an activity that will bring your family closer together while making a real impact on the world.

Financial life planning is comprehensive financial advice that centers around your goals and values. Most normal financial plans are all about return on investment. We look at your return on life. When you focus on your life goals and priorities, everything else falls into place.

We believe in giving back. But we don't just want to give - we want to give the smart way. Here are some things to consider when you're giving to charity.

Anyone who reaches age 70 ½ must start taking RMDs (Required Minimum Distributions) from their retirement accounts - and they have to pay income taxes on these distributions. But for those of you who are already planning to donate to charity, it's possible to donate directly from your individual retirement account as a QCD - a Qualified Charitable Distribution. This counts as part of your required minimum distribution, but the money isn't taxed - it goes straight to charity.