Question

What is a qualified charitable distribution (QCD) and how does it work?

Answer

A QCD is a direct transfer from your IRA to a qualified 501(c)(3) charity. If you’re age 70½ or older, you can direct up to $111,000 per person in 2026 to charity. The amount can count toward your RMD and is not included in your taxable income.

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.

Want to learn more about Mercer Advisors?