Skip the Taxes on Mandatory Distributions

Every year after a certain age, the IRS requires us to pull a minimum amount out of our traditional IRAs. That required minimum distribution (RMD) is normally taxable income. T

There is a straightforward way to handle it differently. A Qualified Charitable Distribution (QCD) lets you send the RMD directly from the IRA to a qualified charity. (Like Impact 100!) The amount never lands in your bank account, and it is excluded from your taxable income. In practical terms, you can cover your Impact 100 membership—and more—using money hat was going to come out of the IRA anyway, without writing a check from after-tax dollars.

For 2026 the QCD limit is $111,000. If you still have an RMD to satisfy, the direct transfer an count toward it, provided the charity receives the funds by December 31.

Already taken your 2026 RMD?

You can still do a QCD. It will not reduce an RMD that has already been distributed, but it still keeps the transferred amount out of your adjusted gross income. Or simply use the gift to grow the grant pool so we can fund more local nonprofits this cycle.

Appreciated stock is a different (and strong) option

QCDs must be cash. If you hold long-term appreciated shares with significant gains, you can transfer the stock itself to Impact 100 to fund your 2027 Membership. You generally avoid capital gains tax on the appreciation and, if you itemize, can deduct the fair market value. We liquidate the shares upon receipt and the proceeds support the grant pool.

Direct the gift the way you want

• $1,000 covers a full membership
• $1,250 makes you a Member and a Friend
• Add more to the Friends fund
• Support scholarships for younger women through the Leaders of the Future program
• Pre-pay the next year’s membership for yourself
• Cover a daughter’s, friend’s, or another woman’s membership

Membership dollars go 100% into the grant pool that funds high-impact projects in our community.

A quick timing note

The December 31 deadline is firm for RMDs (after the first year) and for a QCD to count toward this year’s RMD. Stock transfers need extra lead time. Many people find it useful to loop in their advisor or accountant, especially if coordinating with a spouse, so everything is lined up cleanly.

Uncle Sam says the money has to come out. A QCD simply lets you point it straight at the grant pool instead of receiving it as taxable income first. One transfer, more dollars available for local nonprofits, no extra check from your after-tax funds.

Reach out for the exact legal name, address, and EIN your custodian or brokerage will need by
emailing [email protected]. We’ll help you get the details sorted before the 12/31/26 deadline!