The two main problems with donor-advised funds (DAFs), according to the text, are the hidden costs and the focus on large accounts. Many of the largest DAF providers, such as Fidelity Charitable, Schwab Charitable, and Vanguard Charitable, are supported by investment management companies. These companies charge a fee on top of the assets they manage, ranging from 0.5% to 1.0%. This means that a significant portion of your donation could be going towards these fees rather than the charitable cause you intended to support. Moreover, these firms tend to focus on large accounts of $100,000 or more, with some having pricing and features that kick in at account sizes over $500,000, or even $5 million. This could potentially exclude smaller donors from benefiting from the advantages of DAFs. However, Daffy presents a great alternative for a DAF. Daffy has been chosen by Secfi as its preferred DAF provider for their advisory clients, indicating a high level of trust and reliability. Daffy also offers a range of resources to help donors maximize their impact and avoid common tax mistakes. Whether you're a startup employee looking to make charitable giving easier, or someone who wants to give back to your community like our #BeMoreGenerous winner, Daffy could be the perfect choice for your DAF.