Aaron Ells with Piton Wealth in Kalispell.
For Aaron Ells of Piton Wealth, financial planning is about far more than numbers—it’s about helping clients align their resources with what matters most. Through a holistic approach that includes financial planning, investment management, and philanthropy, Aaron regularly works with families navigating complex financial decisions and meaningful life transitions.
One such moment came when long-time clients decided to sell a cherished legacy property. After decades of ownership, they were ready to move closer to family, and an unexpected offer—well above what they had imagined—made that transition possible. With the sale, however, came a significant tax burden and an opportunity to reflect on their values.
Two priorities quickly emerged: to give generously to causes they cared about and to do so in a thoughtful, tax-efficient way. With deep ties to the Flathead Valley, the couple felt a strong connection to several local nonprofits.
Rather than defaulting to traditional year-end giving, the advisory team took a coordinated approach. Partnering with the clients’ accountant and Whitefish Community Foundation (WCF), they evaluated charitable strategies to optimize both impact and tax efficiency.
Together, they identified the Montana Endowment Tax Credit (METC) as a powerful tool, allowing the clients to reduce their Montana tax liability while making a meaningful, lasting impact in their community.
In a remarkable alignment of timing, one of the local nonprofits closest to the clients’ hearts had already been working with WCF to establish an endowment. The clients stepped forward with the founding gift, launching the fund, strengthening the organization’s long-term sustainability, and inspiring future donors.
The collaboration underscores an important takeaway for advisors: proactive relationships with community foundations can streamline complex giving strategies, particularly in time-sensitive situations. Under Montana law, METC gifts have to be structured as planned gifts, and the team at Whitefish Community Foundation has identified the Deferred Charitable Gift Annuity as the best bang for the donor buck - providing the highest allowable deduction up front.
“Start early in building a relationship with Whitefish Community Foundation, so when opportunities arise, there is already a strong foundation of trust, familiarity, and open communication in place,” said Aaron.
Clients today are approaching philanthropy with greater intention, seeking strategies that help maximize both giving and planning outcomes. Advisors who integrate charitable tools into broader financial planning can be better positioned to help clients achieve both meaningful impact and long-term alignment with their goals.
Disclosure: Thrivent Advisor Network and its advisory persons do not provide legal, accounting, or tax advice. Consult your attorney or tax professional. Whitefish Community Foundation is neither affiliated with nor endorsed by Piton Wealth.
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