{"id":28033,"date":"2025-12-15T11:00:00","date_gmt":"2025-12-15T19:00:00","guid":{"rendered":"https:\/\/www.sacregcf.org\/three-clients-three-solutions-one-common-theme-copy-1-copy-1\/"},"modified":"2026-06-30T20:11:45","modified_gmt":"2026-07-01T03:11:45","slug":"unrestricted-giving-qcds-and-why-they-matter","status":"publish","type":"post","link":"https:\/\/www.sacregcf.org\/es\/unrestricted-giving-qcds-and-why-they-matter\/","title":{"rendered":"Unrestricted Giving, QCDs, and Why They Matter"},"content":{"rendered":"\n
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As someone who cares deeply about our community, you already understand how important charitable giving is to improve the quality of life. Every year, Americans give nearly 2%<\/a> of our nation\u2019s GDP to charitable causes\u2014a remarkable level of generosity that supports more than a million nonprofits across the country. At the same time, trust has become one of the most important factors donors consider when deciding where to give. We are honored that so many of you place your confidence in the Foundation to steward philanthropy with care and integrity.<\/p>\n\n\n\n

The Foundation is committed to understanding the needs of our community and sharing that information with you and your clients to help ensure that charitable dollars are invested where they can do the greatest good. Some needs are urgent, such as immediate assistance in response to a crisis. Other needs are long-term, such as building educational opportunities, strengthening health and human services, or expanding economic stability. Because the community\u2019s needs evolve over time, the Foundation is focused on identifying what matters most at any given moment and helping you ensure that your generosity has a meaningful impact both immediately and across generations.<\/p>\n\n\n\n

For donors aged 70\u00bd and older, one of the most effective and tax-savvy charitable giving tools available is the Qualified Charitable Distribution, or QCD. A QCD allows you to direct up to $108,000 in 2025 from your IRA to a qualified public charity\u2014bypassing taxable income. If you are already taking required minimum distributions (RMDs), a QCD will count toward that amount without increasing your adjusted gross income, which can be especially helpful for managing tax brackets, Medicare IRMAA surcharges, and other income-related considerations.<\/p>\n\n\n\n

QCDs cannot be directed to Donor Advised Funds<\/a> (DAFs). As a result, many donors choose to use their DAFs for ongoing annual support of their favorite nonprofits, while strategically using their QCDs to make direct gifts to our community’s Impact Fund<\/a> or to one or more charitable funds established by local nonprofits<\/a>. This approach allows donors to meet their required distributions in a tax-efficient way while channeling IRA assets into flexible, high-impact funds that address pressing local needs and strengthen the nonprofit organizations serving our region.<\/p>\n\n\n\n

Looking ahead, with new tax laws taking effect in 2026, QCDs may become even more valuable.<\/p>\n\n\n\n

No matter which tools you use \u2014 a DAF, a QCD, or other giving strategies \u2014 we are here to support you. Please reach out anytime. We are honored to partner with you to ensure your generosity continues to make a meaningful difference in the community we all love.<\/p>\n<\/div>\n\n\n\n

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Let’s Get Started<\/h3>\n\n\n\n

Your philanthropy is personal. We are your support team, here to help you and your supporters give with confidence.<\/p>\n\n\n\n

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\"Kelly<\/a><\/div>\n

Kelly Siefkin, CFRE<\/a><\/h4>\n
Chief Philanthropy Officer<\/div><\/div><\/div><\/div><\/div>\n
\"Chelsea<\/a><\/div>\n

Chelsea Fahr, CFRE<\/a><\/h4>\n
Senior Director of Philanthropy<\/div><\/div><\/div><\/div><\/div>\n
\"Rebekah<\/a><\/div>\n

Rebekah Rabiroff<\/a><\/h4>\n
Director of Legacy Giving<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\t\t\t