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How to Lower Taxes by Taking a Qualified Charitable Distribution (QCD)

You can take a make a charitable gift from your IRA to satisfy your RMD. Using a QCD or qualified charitable distribution, you can avoid taxes on the RMD. In addition, this strategy may allow you to reduce your income to levels that prevent or reduce taxes on Social Security retirement benefits, Medicare premium surcharges, and more. Learn more about the QCD and how it could work for the charitably-minded and cash-flow conscious.