What is a Qualified Charitable Distribution (QCD)?

A Qualified Charitable Distribution (QCD) allows IRA owners aged 70½ or older to transfer up to $105,000 annually directly to a qualified charity without the distribution being counted as taxable income.

Can a QCD satisfy a Required Minimum Distribution?

Yes, a QCD can satisfy all or part of your annual Required Minimum Distribution (RMD) obligation while keeping the funds out of your adjusted gross income.

How do you execute a tithing payment from an IRA tax-free?

To qualify for tax-free treatment, the check must be issued directly from the IRA custodian to a 501(c)(3) organization; if the owner receives the funds first, the distribution typically becomes taxable.

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Tithing from an IRA…Tax-Free

November 8, 2025•1 min read

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