The most tax-efficient charitable giving strategy for retirees over 70½ is the Qualified Charitable Distribution (QCD), which allows you to donate up to $105,000 per year directly from your IRA to charity. This satisfies your RMD without increasing your taxable income — potentially keeping you below IRMAA thresholds.
This answer is provided for general informational purposes only and does not constitute financial advice. Every family’s situation is different. For personalized guidance, schedule a free consultation with our team.
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