IRA Charitable Roll Over

• 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.