A qualified charitable distribution (QCD) is made directly from your IRA to a charity and never flows through your income — meaning you pay no income tax on that distribution, regardless of whether you itemize. A regular charitable deduction requires you to take the income (pay the tax), donate the cash, and then deduct it, subject to AGI limits and the requirement that you itemize. For clients over age 70 ½ with significant IRA balances, a QCD may be meaningfully more tax-efficient than a regular deduction, particularly at income levels where itemizing doesn’t provide a full benefit.
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