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As already noted, the distribution must go directly from the IRA to the charity. It can’t go from the IRA to you and then to the charity.

Another error in the thread is the reporting. QCDs are reported on a 1099-R. On your return, you have to report the full distribution, then enter zero for the taxable amount (or report only the taxable portion if you also took taxable distributions).

Because of the way QCDs are reported, it would be best if the payment is actually withdrawn from the IRA before year end. If you have an IRA with check writing privileges, I would make sure the check arrives in plenty of time for the charity to deposit it before year end.

—Peter
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