Give Generously,
Get the Big Tax Deduction,
& Grow Wealth 1–5×.
Made for families, business owners, nonprofits, and the advisors who work with them, [n]dowed uses the Optimized CLAT (OCLAT) — a charitable trust peer-reviewed and endorsed by tax experts — to give you a full tax deduction now, support the causes you choose for decades, and hand back 1–5×1 to your family later, free of estate and income tax.
The OCLAT Infographic
The whole plan on one page — how it's set up, how the money moves, and what you get back, at a glance.
Everybody Wins: The Six Stakeholder Map
Most ways of giving force a trade-off: give more, keep less. [n]dowed is built so everyone involved comes out ahead.
Three Steps to Lasting Impact
The whole thing takes just two calls over about two weeks. Here's how it works.
Built for Moments That Define Legacies
The OCLAT fits five common situations — from regular yearly giving to selling a business. Here are the moments where it matters most.
What Happens to Your Money
One gift, three payoffs — for your taxes, your charities, and your family. Build your own OCLAT and compare it side by side with doing nothing — estate tax included.
What an OCLAT Asks of You
The numbers above are only half the picture. These are the constraints, stated plainly, because they decide whether this is a fit far more often than the arithmetic does.
- It cannot be undone. An OCLAT is irrevocable. Once funded, the charitable payments are locked in for the full term.
- The money is committed for 15–30 years. You need enough income, savings or other assets outside the trust to live on without touching it.
- What returns to your family depends on performance. The charity is paid first, in full, whatever happens. The remainder is what is left after that — it is not a guaranteed number.
- The deduction moves with the §7520 rate. Figures on this site assume the current rate of 5.2% and roughly 8% average annual growth. Both change the result.
We publish a candid list of who the OCLAT suits and who it does not — read the full fit and not-a-fit breakdown. Not legal or tax advice. Consult independent counsel before executing any charitable trust strategy.
Two Calls. Two Weeks.
A Powerful Legacy That Lasts.
Fund your charities for decades, grow your family's wealth, and give exactly the way you intended. Start with a private, no-obligation analysis.
Don't take our word for it. Ask your own AI.
Do your own diligence. Pick your contribution, term and role below, then paste the prompt into ChatGPT, Claude, or Gemini — it directs the AI to review [n]dowed by grading the OCLAT and attorney Jonathon Morrison's credentials from A+ to F and give a firm recommendation for your situation. AI will also verify the math regarding your estimated tax deduction, amount to charity, and amount coming back to your family tax-free. Please feel free to edit the prompt as you like.
Select your role above to generate your personalized evaluation prompt.
Use the Copy prompt button, or highlight the text and right-click to copy. For best results, use an AI with web browsing or search enabled so it can open the links above (on by default in ChatGPT and Gemini; in Claude, turn on web search).
From our Press
A real-world case at the highest level of wealth planning and philanthropy.
Important Assumptions & Disclosures
- 1–5× returned to family. The 1–5× range applies to terms of 20 years or longer: at an assumed 8% annual return, a longer term compounds more before the remainder returns to your heirs (illustratively ~1.4× at 20 years, ~2.6× at 25 years and ~4.6× at 30 years). A shorter 15-year term falls below the range — roughly ~0.7× on the same assumptions — because there is less time to compound. Shorter terms return less; results are not guaranteed and depend on actual investment performance, the §7520 rate at funding, and your tax situation.
- 8% assumed annual return. Used for illustration only. Modeled outcomes are stress-tested with Monte Carlo simulation across a range of market scenarios; actual returns will be higher or lower and may be negative in any given year. Not a projection or guarantee of future performance.
- “Zero known IRS audits.” Reflects the experience of the OCLATs implemented to date by Jonathon Morrison; it is not a prediction that any individual trust will not be examined, and is not an assurance of any particular tax outcome.
[n]dowed does not provide legal or tax advice. Figures are illustrative and depend on your individual circumstances. Consult your own qualified tax and legal advisors before acting. See our Credentials & Track Record for methodology and sources.