Then it is not a QCD. You must be 70 1/2 (or older) when a QCD is made.
If not 70 1/2 then it is just a regular charitable donation deductible as an itemized deduction on schedule A if you have enough other deductions to itemize.
Your broker should have told you that unless the broker has the wrong age for you.
**Disclaimer: This post is for discussion purposes only and is NOT tax advice. The author takes no responsibility for the accuracy of any information in this post.**
