How To Take Your Required Minimum Distribution & NOT Pay Federal Income Tax (Part 1)

Sound too good to be true? It’s not. It’s called a Qualified Charitable Distribution (or QCD some of us ‘in the biz’ like to call it). If you do it the right way. That’s the key. You must follow the rules precisely if you don’t want to pay Uncle Sam his cut. If you’re in the fortunate situation where you flat out don’t need your required minimum distribution (or RMD that those of us ‘in the biz’ like to call it) then a proper gifting strategy may be an appealing tactic for you to employ this year.

There’s a few rules you need to follow but it isn’t really all that complicated. You only need to execute it properly. Alright, I’ve held you in enough suspense. You’re probably on the literal edge of your seat right now (I know I am). Here are the rules you need to follow in order for your RMD to be EXCLUDED (Yes, I said excluded) from your gross income on your federal tax return:

  • The IRA owner must be 70 ½ years old.[1] (Pay attention to this because it can get confusing. An IRA owner generally must take his/her first RMD during the first calendar year that he or she turns 70 ½). Just remember, the IRA owner must have already turned 70 ½ years old in order to perform a QCD. So many abbreviations, I know.
  • The maximum allowable amount of a QCD is $100,000 USD per calendar year on a ‘per-taxpayer basis.’ [2]
  • The QCD must come from an Individual IRA (such as a Traditional IRA or Rollover IRA). A QCD cannot generally come from a SIMPLE IRA or SEP IRA. An IRA owner is able to take a QCD from his or her ROTH IRA, but distributions from a ROTH IRA are generally tax-free anyway so that wouldn’t make a ton of sense. [3]
  • The QCD must go to a public charity. Private foundations, or donor-advised funds are not qualified to receive a QCD. (A private charity may quality for a QCD but you would need consult a qualified tax professional to proceed with that route). [4]
  • The RMD check has to be issued directly to the charity. The IRA owner cannot have the RMD sent to him or her, cash it, then write a check to the charity. Doesn’t work that way. (The IRA owner can have the check made payable to the charity and mailed to the IRA owner if they want, but I’d say it’s cleaner and easier to just have the check made payable to the charity AND mailed directly to the charity as well).[5]

So, there you have it! Pretty easy, huh? If you’re so inclined and feeling generous a QCD might be a great strategy for you. If this idea appeals to you, contact me and I can assist you through the process.

This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor. Other specific rules may apply as laws may change. Consult a professional before making any decisions in regard to gifting required minimum distributions.

[1] Source: https://www.law.cornell.edu/uscode/text/26/408.

[2] Source: https://www.irs.gov/uac/special-charitable-contributions-for-certain-ira-owners

[3] Source: https://www.law.cornell.edu/uscode/text/26/408

[4] Source: https://www.irs.gov/uac/special-charitable-contributions-for-certain-ira-owners

[5] Source: https://www.irs.gov/uac/special-charitable-contributions-for-certain-ira-owners

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  104. The new Zune browser is surprisingly good, but not as good as the iPod’s. It works well, but isn’t as fast as Safari, and has a clunkier interface. If you occasionally plan on using the web browser that’s not an issue, but if you’re planning to browse the web alot from your PMP then the iPod’s larger screen and better browser may be important.

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  107. The Zune concentrates on being a Portable Media Player. Not a web browser. Not a game machine. Maybe in the future it’ll do even better in those areas, but for now it’s a fantastic way to organize and listen to your music and videos, and is without peer in that regard. The iPod’s strengths are its web browsing and apps. If those sound more compelling, perhaps it is your best choice.

  108. Between me and my husband we’ve owned more MP3 players over the years than I can count, including Sansas, iRivers, iPods (classic & touch), the Ibiza Rhapsody, etc. But, the last few years I’ve settled down to one line of players. Why? Because I was happy to discover how well-designed and fun to use the underappreciated (and widely mocked) Zunes are.

  109. Between me and my husband we’ve owned more MP3 players over the years than I can count, including Sansas, iRivers, iPods (classic & touch), the Ibiza Rhapsody, etc. But, the last few years I’ve settled down to one line of players. Why? Because I was happy to discover how well-designed and fun to use the underappreciated (and widely mocked) Zunes are.

  110. Zune and iPod: Most people compare the Zune to the Touch, but after seeing how slim and surprisingly small and light it is, I consider it to be a rather unique hybrid that combines qualities of both the Touch and the Nano. It’s very colorful and lovely OLED screen is slightly smaller than the touch screen, but the player itself feels quite a bit smaller and lighter. It weighs about 2/3 as much, and is noticeably smaller in width and height, while being just a hair thicker.

  111. I’ll gear this review to 2 types of people: current Zune owners who are considering an upgrade, and people trying to decide between a Zune and an iPod. (There are other players worth considering out there, like the Sony Walkman X, but I hope this gives you enough info to make an informed decision of the Zune vs players other than the iPod line as well.)

  112. The new Zune browser is surprisingly good, but not as good as the iPod’s. It works well, but isn’t as fast as Safari, and has a clunkier interface. If you occasionally plan on using the web browser that’s not an issue, but if you’re planning to browse the web alot from your PMP then the iPod’s larger screen and better browser may be important.

  113. If you’re still on the fence: grab your favorite earphones, head down to a Best Buy and ask to plug them into a Zune then an iPod and see which one sounds better to you, and which interface makes you smile more. Then you’ll know which is right for you.

  114. This is getting a bit more subjective, but I much prefer the Zune Marketplace. The interface is colorful, has more flair, and some cool features like ‘Mixview’ that let you quickly see related albums, songs, or other users related to what you’re listening to. Clicking on one of those will center on that item, and another set of “neighbors” will come into view, allowing you to navigate around exploring by similar artists, songs, or users. Speaking of users, the Zune “Social” is also great fun, letting you find others with shared tastes and becoming friends with them. You then can listen to a playlist created based on an amalgamation of what all your friends are listening to, which is also enjoyable. Those concerned with privacy will be relieved to know you can prevent the public from seeing your personal listening habits if you so choose.

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  116. Between me and my husband we’ve owned more MP3 players over the years than I can count, including Sansas, iRivers, iPods (classic & touch), the Ibiza Rhapsody, etc. But, the last few years I’ve settled down to one line of players. Why? Because I was happy to discover how well-designed and fun to use the underappreciated (and widely mocked) Zunes are.

  117. Between me and my husband we’ve owned more MP3 players over the years than I can count, including Sansas, iRivers, iPods (classic & touch), the Ibiza Rhapsody, etc. But, the last few years I’ve settled down to one line of players. Why? Because I was happy to discover how well-designed and fun to use the underappreciated (and widely mocked) Zunes are.

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  119. Zune and iPod: Most people compare the Zune to the Touch, but after seeing how slim and surprisingly small and light it is, I consider it to be a rather unique hybrid that combines qualities of both the Touch and the Nano. It’s very colorful and lovely OLED screen is slightly smaller than the touch screen, but the player itself feels quite a bit smaller and lighter. It weighs about 2/3 as much, and is noticeably smaller in width and height, while being just a hair thicker.

  120. Hands down, Apple’s app store wins by a mile. It’s a huge selection of all sorts of apps vs a rather sad selection of a handful for Zune. Microsoft has plans, especially in the realm of games, but I’m not sure I’d want to bet on the future if this aspect is important to you. The iPod is a much better choice in that case.

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  164. Between me and my husband we’ve owned much more MP3 avid gamers about the yrs than I can count, like Sansas, iRivers, iPods (classic & touch), the Ibiza Rhapsody, and so forth. But, the final few many years I have settled down to just one line of gamers. Why? Mainly because I was satisfied towards check out how well-designed and fun in direction of use the underappreciated (and commonly mocked) Zunes are.

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  166. Nice read, I just passed this onto a friend who was doing a little research on that. And he actually bought me lunch as I found it for him smile Therefore let me rephrase that: Thanks for lunch!

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  170. The Zune concentrates on being a Portable Media Player. Not a web browser. Not a game machine. Maybe in the future it’ll do even better in those areas, but for now it’s a fantastic way to organize and listen to your music and videos, and is without peer in that regard. The iPod’s strengths are its web browsing and apps. If those sound more compelling, perhaps it is your best choice.

  171. Between me and my husband we’ve owned more MP3 players over the years than I can count, including Sansas, iRivers, iPods (classic & touch), the Ibiza Rhapsody, etc. But, the last few years I’ve settled down to one line of players. Why? Because I was happy to discover how well-designed and fun to use the underappreciated (and widely mocked) Zunes are.

  172. The contemporary Zune browser is surprisingly Fantastic, nevertheless not as Excellent as the iPod’s. It will work effectively, nevertheless is not as prompt as Safari, and includes a clunkier interface. If you sometimes plan upon making use of the web browser that is not an issue, however if you happen to be building in direction of read the world wide web alot versus your PMP then the iPod’s bigger display and far better browser could possibly be necessary.

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  190. This is taking a bit excess subjective, nonetheless I much favor the Zune Marketplace. The interface is vibrant, contains a lot more flair, and some cool options which include ‘Mixview’ that permit by yourself out of the blue look at identical albums, music, or other consumers comparable towards what you’re listening toward. Clicking on one particular of individuals will heart on that product or service, and a further fastened of “neighbors” will come into feeling, allowing for yourself toward navigate about investigating via related artists, audio, or customers. Speaking of end users, the Zune “Social” is additionally Terrific enjoyable, enabling by yourself locate other people with shared preferences and becoming pals with them. On your own then can pay attention towards a playlist manufactured dependent on an amalgamation of what all your close friends are listening in direction of, which is in addition interesting. People anxious with privacy will be relieved in the direction of recognize by yourself can stop the general public against observing your particular person listening habits if yourself consequently decide.

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  198. The clean Zune browser is incredibly Great, nonetheless not as superior as the iPod’s. It will work effectively, however isn’t really as instantaneous as Safari, and has a clunkier interface. If your self at times method upon utilizing the web browser that’s not an issue, still if you’re developing toward study the web alot against your PMP then the iPod’s more substantial show and superior browser may be critical.

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  223. The clean Zune browser is astonishingly superior, nonetheless not as positive as the iPod’s. It performs well, yet is just not as immediate as Safari, and contains a clunkier interface. If your self once in a while application upon having the world-wide-web browser that’s not an issue, yet if you’re planning towards study the internet alot against your PMP then the iPod’s bigger screen and greater browser may be essential.

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  234. Among me and my husband we’ve owned added MP3 gamers higher than the yrs than I can count, including Sansas, iRivers, iPods (classic & touch), the Ibiza Rhapsody, etcetera. But, the closing few many years I’ve settled down towards one line of players. Why? Mainly because I was pleased toward discover how well-designed and pleasurable in the direction of hire the underappreciated (and greatly mocked) Zunes are.

  235. Hello! This is kind of off topic but I need some advice from an established blog. Is it very hard to set up your own blog? I’m not very techincal but I can figure things out pretty quick. I’m thinking about setting up my own but I’m not sure where to start. Do you have any tips or suggestions? With thanks

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  237. If you happen to be continue to on the fence: grab your favored earphones, brain down to a Simplest Acquire and request in the direction of plug them into a Zune then an iPod and look at which a single seems better in the direction of oneself, and which interface makes oneself smile even further. Then you are going to realize which is immediately for by yourself.

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  242. Apple at this time has Rhapsody as an app, which is a exceptional start out, still it is already hampered by way of the incapability in direction of shop locally upon your iPod, and includes a dismal 64kbps little bit selling price. If this modifications, then it will rather negate this comfort for the Zune, however the 10 new music per thirty day period will however be a massive additionally within just Zune Pass’ desire.

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  251. Zune and iPod: Maximum us citizens compare the Zune in the direction of the Contact, nonetheless soon after watching how slender and shockingly low and gentle it is, I take into account it towards be a fairly exclusive hybrid that brings together qualities of both of those the Touch and the Nano. It is incredibly vibrant and attractive OLED exhibit is marginally smaller than the touch screen, nevertheless the player by itself feels fairly a little bit lesser and lighter. It weighs pertaining to 2/3 as significantly, and is considerably smaller sized in width and top, though becoming precisely a hair thicker.

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  253. Apple presently incorporates Rhapsody as an application, which is a suitable commence, nonetheless it is now hampered by the lack of ability to retailer regionally on your iPod, and contains a dismal 64kbps little bit cost. If this modifications, then it will rather negate this benefit for the Zune, nonetheless the 10 new music per thirty day period will even now be a significant furthermore within Zune Pass’ favor.

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  255. Fingers down, Apple’s application store wins via a mile. It really is a enormous selection of all types of programs vs a as an alternative not happy variety of a handful for Zune. Microsoft is made up of Options, in particular within the realm of games, however I’m not yes I might need to have in direction of bet on the potential if this element is essential to you. The iPod is a a great deal better decision inside of that situation.

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  257. Nice read, I just passed this onto a friend who was doing some research on that. And he just bought me lunch because I found it for him smile Thus let me rephrase that: Thanks for lunch! “How beautiful maleness is, if it finds its right expression.” by D. H. Lawrence.

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  259. The Zune concentrates upon staying a Transportable Media Player. Not a web browser. Not a game machine. Quite possibly inside the long run it will do even improved inside all those areas, yet for by now it really is a extraordinary route toward organize and pay attention towards your songs and videos, and is without the need of peer within that regard. The iPod’s strengths are its web viewing and programs. If people reliable added powerful, probably it is your ideal final decision.

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  263. Zune and iPod: Greatest people today evaluate the Zune in the direction of the Touch, nevertheless when seeing how thin and surprisingly low and light it is, I check out it in direction of be a fairly exceptional hybrid that combines qualities of both of those the Touch and the Nano. It can be Really vibrant and attractive OLED display screen is somewhat more compact than the contact screen, nonetheless the participant itself feels Extremely a little bit smaller sized and lighter. It weighs concerning 2/3 as substantially, and is appreciably more compact inside of width and height, whilst currently being exactly a hair thicker.

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  266. Apple already contains Rhapsody as an application, which is a very good start out, yet it is already hampered by means of the incapacity towards retail outlet domestically on your iPod, and contains a dismal 64kbps little bit value. If this improvements, then it will fairly negate this benefit for the Zune, still the 10 audio per month will however be a large in addition within just Zune Pass’ want.

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