Mercer Advisors
Sharing Knowledge

Question

Can I use a QCD before required minimum distributions start?

Answer

Yes. QCD eligibility begins at 70 ½, while RMDs don’t start until 73 — or 75 if you were born in 1960 or later. Gifts made during that window reduce the IRA balance before distributions are required, which can lower your RMDs in later years.

Related FAQs

What is the difference between giving cash and giving appreciated stock?

What is the new charitable giving tax deduction floor for 2026?

Should I bunch my charitable donations?
Tax Planning Financial Planning Charitable Giving Impact of New Laws Tax Basics Tax Tips & Tricks OBBBA Protecting Your Legacy Year-Round Tax Planning FAQs
Last Updated Sept. 8, 2026
Previous Next

Further Learning

Market Commentary Article

Making Sense of Rising Treasury Yields

What investors should know about bond prices falling as long-term Treasury yields climb to a 19-year high.

Tax Planning Article

The New Math of Charitable Giving Tax Deductions

New 2026 charitable giving tax deduction rules changed the math. Learn how the AGI floor, the 35% cap, and DAFs reshape your year-end giving strategy.

Listen
Investment Management Podcast

Episode 40 – Diversify Broadly, Both Across and Within Global Asset Classes

Don Calcagni, Chief Investment Officer, explains why he pursues the broadest possible diversification in portfolios — and why it’s the second principle of the evidence-based investment philosophy at Mercer Advisors.

Estate Planning Article

How To Keep Your Family Vacation Home in the Family

Passing down a family vacation home takes more than a will. Learn how trusts, LLCs, and honest conversations can keep your legacy property in the family.

Back to Sharing Knowledge

About Mercer Advisors

We exist so you don’t have to worry about money. For more than 40 years, we’ve taken the sophisticated, time-tested approach that many ultra-high net worth individuals use to help manage their financial lives and made it accessible to more families.

Explore Our Solutions

Financial Planning
Estate Planning
Tax Planning & Preparation
Insurance Solutions
Investment Management
Trustee Services

Want to learn more about Mercer Advisors?

Let’s Talk