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Greetings, CMOYE, and welcome. You asked:

<<After my death, does this allow me to leave my money in a trust, tax free, given at a rate of 5% per year to charity, with my three kids deciding which charity to give to? With an average return of 11% per year, this could even grow over time. If anyone knows of a link to a site that gives a full description of this type of trust, I would appreciate the info.>>

It can, yes. As to links, just use any search engine, type in "charitable lead trust", and a whole host of sites will pop-up to provide you a description of these vehicles.

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