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I'm currently 67 and looking ahead to the expected RMDs. Is the age for Qualified Charitable Distributions tied to RMDs - I must be required to do an RMD before I can do a QCD ? So at the moment, for me, it would be an RMD is required beginning April 1 the year after I turn 72* because my birthday is in August and must be complete by Dec 31 of that year ? The following year would be Jan 1 - Dec 31 for the RMD.

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

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


*Unless they change this again.
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