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Qualified Charitable Distributions (QCDs)

What Is a QCD?

A Qualified Charitable Distribution allows individuals age 70½ or older to transfer funds directly from an IRA to a qualified charity. The distribution is excluded from taxable income instead of being treated as a charitable deduction.

Why Donors Use QCDs

A QCD may:

  • Satisfy all or part of your Required Minimum Distribution (RMD)

  • Reduce taxable income

  • Potentially lower Medicare premium surcharges

  • Benefit donors who do not itemize deductions

Key Requirements

  • Must be age 70½ or older

  • Funds must transfer directly from the IRA custodian to the charity

  • The receiving organization must be a qualified public charity

  • The gift must come from an eligible IRA account

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