How the Charitable IRA Rollover Works in 2026

Lucas and Luna break down the Qualified Charitable Distribution (QCD) strategy for 2026 — the tax-savvy way to donate from your IRA. With the SECURE Act changes and the standard deduction still high, the QCD lets taxpayers over 70½ give up to $108,000 directly to charity, counting toward their Required Minimum Distribution without triggering taxable income. They walk through a concrete example: a retiree with a $50,000 RMD who donates $20,000 via QCD saves roughly $4,400 in federal tax compared to taking the RMD and giving from a checking account. They also cover the one-rollover-per-year rule, the interaction with the bunching strategy, and a warning about donor-advised funds (which don't qualify). #QCD #CharitableIRA #TaxStrategy #Retirement #RMD #QualifiedCharitableDistribution #IRA #DonorAdvisedFund #TaxDeduction #CharitableGiving #SECUREAct #Finance #TaxPlanning #RetireeTax #FexingoBusiness #BusinessPodcast #Podcast #LucasAndLuna Keep every episode free: buymeacoffee.com/fexingo