Charitably inclined individuals aged 70.5 or older may benefit from making Qualified Charitable Distributions (QCDs) directly from their traditional IRA. QCDs are a great tax planning tool, allowing individuals to support the charities they love in a tax efficient manner.  One of the most beneficial aspects of QCDs is that they enable individuals to fulfill their annual required minimum distribution (RMD) requirements by directly transferring traditional IRA assets to charity tax-free. For 2025, an individual can donate up to $108,000 to one or more charities through QCDs.

We created a flowchart that addresses common questions pertaining to Qualified Charitable Distribution rules including age, distribution limits, qualified charitable recipients, reporting process, and more.

Can I do a Qualified Charitable Distribution from my IRA?

 

While checklists and flowcharts can help you identify different opportunities, we are always available to meet with you to discuss your financial needs and goals, and to help identify what the best opportunities are for you.

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