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Deductions & credits
Not sure I understand your question. But if you do a QCD the Standard Deduction doesn’t matter. Yes the QCD comes off of your income before the Standard Deduction. A IRA QCD should be 0 taxable on 1040 line 4b and QCD written by it. Unless you have other 1099R taxable amounts on 4b. So it wipes out the RMD.
March 14, 2025
8:21 PM