IRA Qualified Charitable Distribution

The IRA Charitable Rollover, or Qualified Charitable Distribution (QCD), allows individuals 70½ and older to give up to $108,000 (for 2025) directly from their IRA to charities, avoiding income tax and fulfilling Required Minimum Distributions (RMDs), providing significant tax benefits, though it’s not a deductible gift and excludes Donor-Advised Funds (DAFs). Individuals may exclude this income from their gross income on their Federal income tax return.

During your lifetime, gifts from your IRA can be given to many funds at CFGG, including community endowment funds, scholarship funds, organizational endowments, and field of interest funds. The IRS does not allow QCDs to be made to a Donor-Advised Fund. Contact us for a complete list of funds available.

It’s easy to make an IRA rollover gift. Contact your IRA plan administrator to transfer your gift amount to CFGG (56-1380249), then contact your development team at development@cfgg.org to let us know which fund you would like to support.

Please consult with your professional advisors to determine if an IRA Qualified Charitable Distribution may be a viable option for you.

*Before 12/31/19, the age for distribution was 70.5.