How can I give through my IRA or required minimum distribution (RMD)?
Use your retirement assets to support veterans—while reducing your taxable income.
Make a Tax-Smart Gift That Honors Those Who Served
If you’re age 70.5 or older, you’re eligible to make a Qualified Charitable Distribution (QCD) – a voluntary direct gift from your IRA to a nonprofit like Welcome Home.
If you’re age 73 or older, the IRS may require you to take Required Minimum Distributions (RMDs) annually. A QCD can count toward your RMD while avoiding income tax.
What Is an RMD?
RMDs apply to traditional IRAs and many workplace retirement plans like 401(k)s and 403(b)s. Annual withdrawal amounts are based on your account balance and IRS life expectancy factors.
Example:
- IRA Balance: $100,000
- Age: 73
- IRS Factor: 26.5
- Required Withdrawal: $3,773.58 – must be withdrawn by December 31, but it can be donated directly to Welcome Home.
Why Give from Your IRA?
- Satisfy Your RMD — Donate directly to a qualified nonprofit and count it toward your required minimum distribution.
- Avoid Income Tax — A QCD counts toward your RMD, but is not counted as taxable income, up to $100,000 per year.
- Directly Help Veterans — Your gift provides shelter, employment support, and vital services for those in need.
How to Make a Qualified Charitable Distribution (QCD)
Contact your IRA administrator
Ask them to make a distribution directly to Welcome Home, Inc.
Notify our team
Let us know your gift is on the way so we can properly acknowledge your support.
Feel good
Your retirement savings just became a powerful tool for change.
What You’ll Need
Receiving Organization: Welcome Home, Inc.
Tax ID (EIN): 43-1372670
(573) 443-8001 | welcomeveterans.org/IRA-giving
Consult your financial or tax advisor to determine if a QCD fits your strategy.