Johnne Syverson, CFP, AEP, CAP

A retired farmer wanted to donate $202,000 in grain. One charity said no—“We only take cash and stocks.” Another said yes, turned it into a high-yield gift annuity, and gained a grateful donor for life. The first charity? Left with nothing. This isn’t about generosity—it’s about competence. When nonprofits cling to outdated rules, they don’t just miss gifts. They drive donors away. Inflexibility isn’t policy. It’s failure.