Every year you delay funding your OCLAT, you lose compounding time — which means less to charity, less to your family, and less in tax savings. Here's exactly how much.
Total Cost of a 5-Year Delay
$3,920,413
in lost family wealth, charity impact, and tax savings on a $1M OCLAT
Fund Today
Your OCLAT at Full Power
Compounding Years30
Tax Deduction$1,000,000
Tax Savings$370,000
Total to Charity$3,243,398
Remainder to Family$6,811,602
Fund in 5 Years
What You Lose by Waiting
Compounding Years25
Tax Deduction$1,000,000
Tax Savings$370,000
Total to Charity$2,352,781
Remainder to Family$4,317,219
What Disappears
Breakdown of Lost Value
By waiting 5 years on a $1M OCLAT
Family Remainder
$6.8M
-$2.5M
Charity Impact
$3.2M
-$890K
Deduction Savings
$370K
-$0
Year-by-Year Decay
Each year of delay costs you more than the last — compounding works against you when you wait
If You Fund In
Term
Family Receives
Charity Receives
Lost Value
Cumulative Loss
Don't Leave Money on the Table
Every month you wait, your OCLAT gets smaller.
The math is simple: time in the trust is compounding time. Less time means less to charity, less to family, and the same tax deduction — just without the growth.
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