Thanks MBAustin. It's actually been a crazy, irregular past 3 months and this just snuck up on us. I'm about ready to throw in the towel and say "whatever" and set my sights on 2021.
I had looked at the Charitable Giving account through Fidelity a couple of days ago (good idea) but my eyes glazed over with administration fees and investment fees...
We've made other inefficient mistakes and we still retired so maybe it just "is what it is."
I was just not wanting to kick myself over this one.
Thanks for your suggestion, I appreciate it.