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QUALIFIED CHARITABLE DISTRIBUTIONS 

Qualified Charitable Distributions (QCDs), also known as IRA Charitable Rollovers, are the savviest way for individuals age 70½ or older to use their IRAs to maximize their charitable impact. Donors 72 and older must take a Required Minimum Distribution (RMD)*. A charitable gift from your IRA is a smart way to skip the taxes associated with RMDs and make a big difference in the work we do on a daily basis.

A BRIEF GUIDE TO QCDs

What are QCDs?

QCDs are distributions from your Individual Retirement Account (IRA) made directly
to a qualified nonprofit organization without having the distribution counted as taxable income. QCDs are also sometimes referred to as IRA
Charitable Rollovers.

Up to $100,000 in IRA funds can be counted as QCDs annually, or $200,000 for married couples.

Who is Eligible?

If you are 70½ years of age or older and have a Traditional IRA, you are eligible to make
a QCD.

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*What is an RMD?


Read more about
RMDs on the IRS website

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What are the Benefits?

QCDs can:

  • Reduce your income taxes

  • Satisfy your RMD

  • Maximize your charitable impact

 

 

For More Information

on tax benefits and eligibility, please speak with your tax advisor for additional details.

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This page is meant to be informational only. For specific tax advice, please speak with your tax advisor.
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