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Give Smarter: Make a Tax-Wise Gift from Your IRA
If you're 70½ or older, you can make a Qualified Charitable Distribution (QCD) directly from your IRA to NAMI St. Louis, transforming lives while potentially reducing your taxable income.
Your gift will support critical mental health education, advocacy, and support programs right here in our community, helping individuals and families find hope and healing.
- You must be at least 70½ years old at the time of the gift.
- The transfer must go directly from your IRA to NAMI St. Louis.
- You can give up to $108,000 per year (or $216,000 per married couple) tax-free.
- No income tax on the gift — your distribution won’t be included in your taxable income.
- May help you stay in a lower tax bracket.
- Counts toward your Required Minimum Distribution (RMD) for the year.
- Allows you to see the impact of your giving today, rather than as part of an estate gift.
Note: Because QCDs are already tax-free, you cannot claim an additional charitable deduction for these gifts.
How to Make an Immediate Gift from Your IRA
- Contact your IRA administrator to request a direct transfer to:
- NAMI St. Louis
12125 Woodcrest Exec Dr, Ste 205
St. Louis, MO 63141
EIN: 43-1143899
- NAMI St. Louis
- Contact Christine Patterson for guidance at [email protected] or call (314) 833-7933
- Download our sample letter to send to your IRA administrator for easy processing.
Important
Some IRA administrators don't include donor details when sending gifts. If you make a QCD, please let us know so we can thank you and ensure your gift is used as you intended. You can email us at [email protected].
