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Don't forget:
If you make a charitable contribution DIRECTLY form your IRA it counts as part of your RMD BUT isn't included in your income. You can use the standard deduction and in effect deduct your charitable contributions as well


That's right, but....

You must be at least 70 1/2 and the amount you contribute may be up to 100,000 whatever you RMD may be or is not yet because your birthday is later than July 1, 1949, when you RMD year is age 72.

As you say, tax-wise, this Qualified Charitable Distribution is identical to withdrawing from ones TIRA, including this amount as ordinary income and then deducting this as a charitable contribution on schedule A.

BruceM
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