Deductions & credits

For gifts of appreciated stock, the limit you can deduct in one year is 30% of your AGI for most charities, and 20% of your AGI for some charities.  While the CARES act temporarily increased the overall limit for "50% charities" to 100% of your AGI, the CARES act did not change the 30% limit for gifts of appreciated stock to 50% charities. 

 

I guess that means that you can sell the stock and pay capital gains tax, and then donated the cash up to the 100% limit, or donate the appreciated stock and, if the stock value is more than 30% of your AGI, carry the deduction forward to next year.  I can't think of a reason why it would be better to pay the tax for the larger deduction this year instead of donating the stock even if you have to carry part of the donation forward.  You may want to see a financial planner.