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OptimizingTax Benefits with a Qualified Charitable Distribution (QCD)

Posted: Wed, Nov 12, 2025
A qualified charitable distribution (QCD) can be a great way to reduce required minimum distributions (RMDs) and optimize the tax benefits of giving. If charitable giving is part of your financial plan, a QCD can further your philanthropic goals and help reduce the taxes you pay on your RMD. A QCD is generally a nontaxable [...]

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A qualified charitable distribution (QCD) can be a great way to reduce required minimum distributions (RMDs) and optimize the tax benefits of giving. If charitable giving is part of your financial plan, a QCD can further your philanthropic goals and help reduce the taxes you pay on your RMD.

A QCD is generally a nontaxable distribution made directly by the trustee of your IRA to an organization eligible to receive tax-deductible contributions. You must be at least age 70‑1/2 when the distribution was made. The amount of the QCD is limited to the amount of the distribution that otherwise would be included in your taxable income. QCDs must be taken by December 31st of the current tax year. The instructions below provide guidance about making a QCD:

  • Contact the trustee (financial institution) who is the custodian of your IRA.
  • Request a Qualified Charitable Donation in the amount of your choice be made to the church’s Foundation.
  • Have the trustee mail the monies directly from your IRA to the First Presbyterian Church of Bend Foundation and send a copy to you for your records. It’s IMPORTANT that the donor’s name(s) be included on the check. The Foundation’s mailing address is as follows:First Presbyterian Church of Bend Foundation
    230 NE 9″ Street
    Bend, OR 97701
  • The Foundation will acknowledge receipt of your donation upon receipt.

If you have any questions, please contact the Foundation at [email protected] or call the church’s Administrator at (541) 382-4401 and ask to speak to Foundation’s president.

Thank you in advance for your generosity.

Board of Directors,
First Presbyterian Church of Bend Foundation

It is recommended that you consult your tax advisor to confirm you are eligible to take a QCD. IRA custodians are required to report QCD’s as normal distributions to you and the IRS. Make sure you inform your tax advisor that you have taken a QCD so you as taxpayer can properly indicate that on your tax return.

The First Presbyterian Church of Bend Foundation is a qualified 501c3 non-profit organization, tax ID 85-1978134.