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Easterseals Capital Region & Eastern Connecticut Easterseals Capital Region & Eastern Connecticut

Qualified Charitable Distributions

If you're 70½ or older, your retirement savings can do more good than you might think. A Qualified Charitable Distribution (QCD) lets you give directly from your IRA to the causes you love, tax-free. For those subject to required minimum distributions (RMDs) from their traditional IRAs, a QCD can help satisfy this requirement tax-free, so you can give more to charity while paying less in taxes.

The Benefits of QCDS

  • Reduces your Taxable Income: Since QCDs do not count as income, they can help keep you in a lower Federal tax bracket, reduce the impact on Social Security taxation and Medicare surcharges. Additional state tax benefits may apply.
  •  Reduce Taxable Income: If you do not depend on your RMD for retirement needs, a QCD can be a tax-efficient way to satisfy RMDs while supporting causes you care about.
  •  Simplifies Charitable Giving: QCDs provide a tax benefit regardless of whether you itemize deductions

How it Works?

  1. Call your IRA custodian (Fidelity, Schwab, etc.) and request a QCD.
  2.  Provide the Charity’s name, address, and Tax ID (EIN).
    1. Easterseals Capital Region & Eastern CT, 100 Deerfield Road, Windsor CT 06095, Tax ID: 06-0662138
    2. If you have any questions please contact Wendy Archer, Chief Marketing & Philanthropy Officer at warcher@escrec.org
  3.  Your custodian will send the check directly to the charity.
2026 annual limits table
Eample of a married couple with 420K RMD

Interested in Learning More?

Thoughtful giving starts with thoughtful planning. Because your financial picture is unique, we recommend speaking with a financial professional to confirm this strategy aligns with your goals.