As we enter the final weeks of 2012, financial and estate-planning advisors have rarely faced so many uncertainties surrounding tax and other relevant legislation, economic fluctuations and other determinative factors. Clients can, however, take certain action by the end of this year to help them take advantage of a few areas of certainty, in which wise planning of charitable gifts can pay off with immediate and, perhaps, future tax savings.  Don’t Delay Charitable ...

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