When Ryan McKeown meets with clients at Wealth Enhancement in Mankato, he asks the questions that most other financial advisors ask about current cash flow, expected income and goals for retirement. But then he pops another question as well: How much do they want to be able to give away, even in retirement? “If you want to be able to continue a certain level of charitable giving after you retire, you should be planning for that now,” McKeown says. “If you want to be able to fund your giving for another 20 years, then I might recommend a strategy like starting a donor-advised fund now.”