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Does this also mean that I would not be able to do a QCD until the year after I turn 72 as well ?

As already mentioned, QCDs can be taken once you turn 70 1/2. Since you were born in August, that would be in February or March of the year you turn 71, depending on when during August your birthday falls, which can help to decrease RMDs when they do start. Be sure to wait to initiate the QCD until you are actually 70 1/2.

And a QCD will not count as income ? How about for the Medicare surcharge?

QCDs do not count toward AGI.
Under current law, MAGI for IRMAA is calculated by adding AGI and any tax-exempt interest, but not QCDs.

You should work with your broker to ensure that the QCD is sent directly to the charity, so it is a QCD, rather than a deductible charitable contribution. QCDs are limited to $100k per year.

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