Print, sign, and send to your custodian.
Use the button to print or save your letter as a PDF. Before mailing, hand-write your IRA account number on the line provided and sign it. Then upload nothing to us, just send it to your custodian. We will watch for your check.
TO: IRA Distribution Department
Custodian:
| IRA Account Holder | |
| IRA Account Number | Write your account number here by hand after printing |
| Distribution Amount |
SUBJECT: Direct Qualified Charitable Distribution (QCD) request
Please accept this document as my instruction to make a direct, trustee-to-trustee transfer from my Traditional IRA referenced above. Please process this transfer as a Qualified Charitable Distribution (QCD) under Section 408(d)(8) of the Internal Revenue Code.
I confirm that I am age 70½ or older as of the date of this distribution and that this gift is intended to qualify as a Qualified Charitable Distribution.
Please issue a check payable to, or a direct wire to, the charity exactly as follows:
To comply with federal tax rules, these funds must go directly to the 501(c)(3) organization. Please do not distribute these funds to me directly.
Thank you for promptly processing this request.
Sincerely,
Why give from your IRA?
A Qualified Charitable Distribution lets you give directly from your IRA, tax-free, while meeting your annual requirement.
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Tax-free transfer
The gift moves straight from your IRA custodian to SpineHope, so it never counts as taxable income to you.
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Satisfies your RMD
A QCD can cover all or part of your Required Minimum Distribution for the year.
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Every dollar to care
No platform fees in the middle. Your full gift reaches the children we serve.
Common questions about IRA giving.
A quick orientation. For specifics, your tax advisor and IRA custodian are the final word.
Generally, anyone age 70½ or older with a Traditional IRA. The distribution must go directly from your IRA custodian to SpineHope.
You can exclude up to the IRS annual QCD limit per person from your taxable income. That cap is indexed for inflation each year, so confirm the current-year figure with your advisor.
Yes. A QCD can satisfy all or part of your RMD for the year, while keeping that amount out of your adjusted gross income.
No. A QCD is an exclusion from income, not a deduction, so you get the benefit whether or not you itemize.
Many custodians accept a signed letter of instruction like the one this page generates. Some, often Fidelity, Schwab, or Vanguard, ask you to use their own QCD form as well. Use this letter as your written instruction and check your custodian's process.
No. This page is general information to make giving easier. Please confirm the details with your own tax advisor and IRA custodian before you act.
Prefer to have your advisor coordinate?
Your financial advisor or custodian can send the gift directly to SpineHope using our official credentials.
SpineHope Official Credentials
- Legal Name:
- SpineHope
- EIN / Tax ID:
- 26-2126362
- Mailing Address:
- 2028 E Ben White Blvd Ste 240 PMB 6728, Austin, TX 78741
- Questions:
- info@spinehope.org