How Qualified Charitable Distributions Reduce Your RMD Tax

Qualified charitable distributions (QCDs) allow retirees over 70½ to donate up to $100,000 per year directly from their IRA to charity, counting toward their required minimum distribution without adding to taxable income. In this episode, Lucas and Luna break down the rules, the tax savings—including how QCDs can lower your AGI to reduce Medicare premiums—and when it beats itemizing. Perfect for charitably inclined retirees looking to stretch their savings and give smarter. #QualifiedCharitableDistribution #QCD #RMD #RetirementPlanning #TaxSaving #CharitableGiving #IRA #TraditionalIRA #TaxFree #IRMAA #MedicarePremiums #Fexingo #FinancePodcast #Retirement #FexingoBusiness #BusinessPodcast #WealthManagement #TaxStrategy Keep every episode free: buymeacoffee.com/fexingo