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Strategy Comparison
OCLAT vs. CRT:
Every Metric, Head to Head
Both are charitable trusts. Only one returns assets to your family, maximizes your deduction, and protects your estate. Here's the full breakdown on a $1M contribution.
The OCLAT
Optimized CLAT
Charitable Lead Annuity Trust
vs.
Traditional
CRT
Charitable Remainder Trust
$1,000,000
Full dollar-for-dollar deduction. Up to 30% of AGI with 5-year carryforward.
Winner
Income Tax Deduction
~$250,000
Partial deduction only. Limited by IRS present-value calculation.
75% less
$370,000
At 37% bracket. Immediate savings you can reinvest the same tax year.
4× more savings
Year 1 Tax Savings
~$92,500
Based on partial deduction of ~$250K at same bracket.
$3,243,398
Irrevocable annuity over 30 years to charities you select. Real, committed, collateralized.
3.2× to charity
Total Charity Impact
Remainder only
Charity receives whatever is left after donor's lifetime income. Amount uncertain.
Deferred & uncertain
$6,811,602
Tax-free transfer to heirs or dynasty trust. Zero estate tax. Zero gift tax.
6.8× returned
Assets to Family
$0
Nothing. The entire remainder goes to charity. Your family receives zero.
Nothing to heirs
$0
Remainder passes outside your taxable estate. Generation-skipping capable.
Fully exempt
Estate Tax on Transfer
N/A
No transfer to family, so no estate tax — but also no wealth preservation.
Immediate
From day one, contributed assets are permanently shielded from creditors, lawsuits, and divorcing spouses.
Full protection
Asset Protection
Partial
Some protection, but income stream to donor may be reachable by creditors.
$1,000,000
NGC for the OCLAT counts the same as an outright cash gift — the full present value is booked in year one under CASE 2024 Standards.
Full NGC credit
NGC Credit (CASE 2024)
$0
Zero NGC credit. Charity has no current-year bookable, irrevocable commitment.
No credit
Dollar Allocation
Where Does Your $1M End Up?
After 30 years at 8% annual return
OCLAT
$6.8M to Family (68%)
$3.2M to Charity (32%)
CRT
$1.5M Income to Donor
Remainder to Charity
$0 to Family
The Verdict
The OCLAT gives more to charity, returns more to family, and saves more in taxes — simultaneously.
4×
Larger tax deduction
3.2×
More to charity
$6.8M
Returned to family (vs. $0)
$0
Estate tax on transfer
A CRT gives income during your lifetime but leaves nothing to your family. The OCLAT gives everything — to your charities, your family, and your legacy.
Schedule Your OCLAT Analysis