Ask ten people whether hiring a financial advisor is “worth it,” and you’ll likely hear ten different answers. Some will point to the cost, others to the potential for better returns—but ultimately, it’s a decision that feels as personal as your money itself.

Giving is more than just writing a check. It represents a meaningful experience and direction that helps to create an enduring impact felt by your family and by those you are helping. Consider these four steps to take when creating a giving plan.