---
title: "Tithing from an IRA…Tax-Free"
source: https://www.perissosprivatewealth.com/insights/tithing-from-an-iratax-free
publisher: Perissos Private Wealth Management
published: 2025-11-08T16:00:00.000065+00:00
updated: 2026-05-06T19:29:38.256401+00:00
topics: qualified charitable distribution qcd, ira tithing tax benefits, charitable giving from ira oklahoma city, rmd charitable donation rules, tax-efficient giving bethany ok
license: Educational content. Cite with attribution. Not personalized financial, tax, or legal advice.
---

# Tithing from an IRA…Tax-Free

Tithing from an IRA Tax-Free: charitable giving strategies from Perissos — QCDs, donor-advised funds, and turning RMDs into tax-free generosity.

Retirement Resource Library

## Frequently asked questions

### 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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Source: [Perissos Private Wealth Management](https://www.perissosprivatewealth.com/insights/tithing-from-an-iratax-free) — fee-only fiduciary wealth management in Bethany, Oklahoma. 405.212.9690.

This article is educational and is not personalized financial, tax, legal, or investment advice.