Bill Lloyd, CFP

As a 34-year veteran of the financial services industry, Bill’s career has evolved over the years from starting in the insurance and investment side of things to evolving into financial planning. Within the latter, he has always had a bent on identifying different tax strategies to take some of the sting out of the tax bill for his clients.

The Tax Cuts & Jobs Act (2017) created a small change in the tax code that opened the door to a new opportunity. It occurred to him, that if he harnessed that change in the tax code and combined it with a concept from the estate planning area, he could generate real good, for retirees as well as charities. Thus, he founded The Charitable Payraise®.

Bill has been on the planned giving committee of his alma mater, Colgate University, for almost 20 years. Bill’s father was a career Marine who ran DC Toys for Tots as part of his duty for three years. Giving back has been part of his family and professional life ever since. It is not an accident that Bill would create a method to help clients and charities at the same time.