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technique
Qualified Charitable Distribution (QCD)
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Last discussed Sep 30, 2026
A strategy for IRA owners aged 70½ or older to send money directly from a traditional IRA to a charity. The amount is excluded from income and can count toward required minimum distributions.
Recently discussed in
Maximizing Charitable Deductions Under OBBBA's New Rules, With Ben Henry-Moreland
Ben Henry-Moreland · Sep 30, 2026
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Ben Henry-Moreland
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Used for: Making charitable gifts from a traditional IRA at age 70½+ while satisfying RMDs and avoiding the 0.5% AGI floor
Praised: Excluded from income, counts toward RMDs, not subject to the 0.5% AGI floor o...
vs: Compared to standard itemized charitable contributions, which are subject to ...
"Well, QCD is always kind of one of my favorite strategies. I think it's a way to contribute dollars from a traditional IRA and it's only available for individuals who are age 70 and a half or older... Because it's not a sort of standard itemized c..."
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