A Smarter Way to Give from an IRA

For donors taking required distributions, giving from an IRA can be one of the most tax-efficient ways to support the causes they care about.

Through a Qualified Charitable Distribution (QCD), eligible clients can direct funds to charity, satisfy their Required Minimum Distribution (RMD), and avoid recognizing that distribution as taxable income.

It’s simple, effective, and easy to incorporate into planning.

FAs Guide to QCDs
IMG_7808

What To Know

Clients age 70½ or older can make QCDs directly from their traditional IRA to qualified charitable organizations.

These distributions:

  • Satisfy RMD requirements
  • Are excluded from taxable income
  • Do not require itemizing deductions

Important: QCDs cannot be made to donor advised funds.

Where iGiftFund Fits

For eligible QCD strategies, iGiftFund offers a Designated Fund option that is designed to support a designated charitable organization while meeting applicable IRS requirements.

Clients continue working with their trusted financial advisor, while iGiftFund provides the charitable administration and stewardship.

Designated Fund

Support the specific organizations your client cares about, with a structured, ongoing giving plan.

At the time the fund is established, the client:

  • Names the charity or charities that will receive grants
  • Defines the distribution amount and frequency

Once established, this structure remains in place.

Key Advantages

Clients can:

  • Use QCDs to satisfy RMD requirements while minimizing taxable income
  • Establish a clear, structured charitable plan
  • Continue working with their trusted financial advisor on their familiar platform
  • Create a lasting charitable legacy
  • Rely on a responsive, high-touch team to manage administration and distributions

A Practical Planning Tool for Financial Advisors

For clients who are charitably inclined and taking required distributions, a QCD paired with a Designated Fund offers a straightforward, compliant solution.

FAQs about QCDs

FAQs about QCDs

A Practical Planning Tool For Financial Advisors

For clients who are charitably inclined and taking required distributions, a QCD paired with a Designated Fund offers a straightforward, compliant solution. Contact us to learn how this strategy can help your clients achieve their financial goals.

Contact iGiftFund