"I due to my age have to take out (I think 4 1/2 % ) from my Fidelity savings annually. " - this sounds like an RMD (Required Minimum Distribution). Were you at least 70 1/2 last year?
When you asked Fidelity to withdraw the money, did you ask them to make it a trustee to charity direct transfer (this is required for a QCD).
A QCD is a "qualified charitable distribution". Instead of you recognizing the 1099-R as income and then deducting the charitable contribution as a deduction on Schedule A, instead, the income is never listed as taxable on the 1040, so you don't have to worry about Schedule A limits.
A QCD can qualify as part or all of an RMD.
So, CarolandBob, did you tell Fidelity to transfer the money directly to the charity? If so, you can report this as a QCD. If not, you will have to report this on Schedule A.
@carolandbobp
**Say "Thanks" by clicking the thumb icon in a post
**Mark the post that answers your question by clicking on "Mark as Best Answer"
