Qualified Charitable Distributions

 
 

Blog post

If you are age 70 ½ or older, it is well worth your time to investigate whether a tool known as a Qualified Charitable Distribution might be right for you as a tax-savvy way to support [ABC Charity]. Here is how it works:

  • You can make a QCD if you have reached the age of 70½, and as such, you can direct up to $111,000 (2026 limit) annually from your traditional IRA to [ABC Charity]

  • If you’ve reached the age-73 threshold for IRS-mandated Required Minimum Distributions (RMDs) from qualified retirement plans, a QCD counts toward your RMD.

  • QCD transfers are not included in your taxable income.

  • The $111,000 cap (2026 limit) will be indexed for inflation.

Making a Qualified Charitable Distribution from an IRA can help you maximize your impact, minimize taxes, and support [ABC Charity]'s mission in a meaningful way. Reach out to us anytime to explore what’s possible.

Social posts

Facebook / Instagram

If you are age 70½ or older, a Qualified Charitable Distribution can be a tax-savvy way to make a lasting impact. Contact [ABC Charity] to learn how!

If you are age 70½ or older, have you considered making a Qualified Charitable Distribution from your IRA? Let’s make your giving go further.

Tweets

If you are 70½ or older, a Qualified Charitable Distribution may be a smart, tax-wise way to support [ABC Charity]. #SmartGiving

If you are 70½ or older, consider making a Qualified Charitable Distribution from your IRA. #TaxSmartGifts

LinkedIn

You can use the entire blog post on LinkedIn, or simply use one of the Instagram, Facebook, or Twitter blurbs and link to the full blog post on your website.

Messaging & tips to drive engagement

Key message points

  • Cash isn’t always the most effective gift.

  • For donors age 70½ or older, a Qualified Charitable Distribution is one of the most tax-savvy options available for making charitable gifts.

  • [ABC Charity] is equipped to receive Qualified Charitable Distributions from an IRA.

Tips to drive engagement

  • Use this content to spark conversations with donors who are age 70 1/2 or older about making a Qualified Charitable Distribution to your organization.

  • These messages can be layered into donor meetings or shared with tax, legal, and financial professionals in your network.

Email copy

Consider including paragraphs such as the following in your emails to potential planned giving donors:

  • Qualified Charitable Distributions are among the most tax-efficient giving options available. Have you considered this option?

  • Many of our donors who are age 70½ or older are making Qualified Charitable Distributions to [ABC Charity]. We’d be happy to share additional information about this option with you. Would this be helpful?