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Qualified Charitable Distributions (QCDs)
If you're 70½ or older, Qualified Charitable Distributions allow you to transfer up to $108,000 annually directly from your IRA to DOVE International completely tax-free. This strategy satisfies your required minimum distributions while excluding the amount from your taxable income.
Why QCDs Are Powerful?
Tax-Free Charitable Giving
QCDs provide a unique opportunity for tax-free charitable giving by eliminating income tax on the distribution amount while reducing your adjusted gross income (AGI). This strategy counts toward your required minimum distributions and works even if you take the standard deduction, making it beneficial for virtually all IRA holders over 70½.
Example Impact
Your RMD: $50,000 | QCD to DOVE: $15,000
- Taxable income: Only $35,000 (instead of $50,000)
- Result: Lower taxes + Kingdom impact
QCD Requirements
Eligibility
- Age 70½ or older when distribution is made
- Direct transfer required - Money cannot pass through your hands
- $108,000 annual limit per person ($216,000 for married couples)
- Qualified charity only - DOVE International qualifies
Eligible Accounts
- Traditional IRAs
- Inherited IRAs
- Inactive SEP and SIMPLE IRAs
- Not eligible: Active employer plans, Roth IRAs
How to Make a QCD
1. Contact Your IRA Custodian – Request a “Qualified Charitable Distribution”
2. Provide DOVE’s Information:
- Legal Name: DOVE International
- Address: 11 Toll Gate Road, Lititz, PA 17543
- Tax ID: 23-2762420
3. Choose Transfer Method – Direct to charity or check made payable to DOVE
4. Complete by December 31 – No extensions available
QCD Benefits for DOVE
Your QCD directly supports DOVE International’s global mission of church planting in unreached nations, leadership training for new generations, missionary support worldwide, and small group development globally. Through your tax-free giving, you’re helping build the church from house to house, city to city, and nation to nation.
Plus you receive:
- Tax-free charitable giving
- RMD requirement satisfaction
- Reduced taxable income
- Kingdom impact reporting
Next Steps
Ready to turn your required IRA distributions into tax-free Kingdom giving? Our team will guide you through the QCD process and help coordinate with your IRA custodian.
Legacy & Planned Giving
Brian Sauder – Legacy Giving Specialist
Phone: 717.627.1996
Email: legacy@doveinternational.com
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