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IRA Qualified Charitable Distribution

You spent your working years saving up for retirement. But you also made sure that you donated regularly to charity. Once you’ve retired, your income may be limited. But you don’t want to give up on your philanthropic goals. So how can you keep donating to your favorite charity(s) during retirement?

Give, and it shall be given to you…. For with the same measure that you mete withal it shall be measured to you again.
Luke 6:38

Benefits of an IRA Qualified Charitable Distribution

  • Funds from an IRA can be used for charitable donations if done correctly
  • Donations made from an IRA can meet all or part of the IRA’s required minimum distributions for the tax year
  • QCDs are not considered taxable income
  • Make a gift that is not subject to the deduction limits on charitable gifts
  • Help further the work and mission of our organization


How an IRA Qualified Charitable Distribution gift works

  1. A QCD must be made directly from your IRA custodian.
  2. Your IRA funds will be directly transferred to our organization to help continue our important work.
  3. Unless you’re making a nondeductible contribution, the amount that can qualify as a QCD must be limited to the amount you would normally be taxed on as ordinary income.
  4. The maximum total QCD amount you can contribute each year is equal to your total required minimum distribution (RMD) or up to $100,000. While you can make a donation that exceeds your yearly RMD, be aware that the extra amount will not qualify towards helping you meet your next year’s RMDs.
  5. Please contact us if you wish for your gift to be used for a specific purpose.

But the word of God grew and multiplied.
Acts 12:24

Contact Us

If you have any questions about gifts through stocks, bonds and IRA’s, please contact us.

We would be happy to assist you and answer any questions you might have and to provide you with an illustration demonstrating your specific tax benefits.