Thank you for this, which is how I understand the law. However, your reply repeats much of the confusion that prompted my original question.
As stated at the beginning of my question, I will have satisfied my RMD with taxable withdrawals long before I need to make any charitable contributions, which means that none of my QCD's will go towards my RMD.
As I read the law, I can still make a QCD up to the $100K limit, which will still be considered pre-tax income.
Also, I can either claim the standard deduction or itemize provided I do not include the charitable contributions on Schedule A.
Is that correct?
