dmertz
Level 15

Retirement tax questions

Ah, I see.  In that case your standard deduction is limited, which explains the $10,390.

 

I suspect that that your filed tax return is correct and that the IRS examiner made an error by thinking that the $10,395 represented an amount of itemized deductions despite there being no Schedule A included in the tax return.  The letter you received should provide instructions for disagreeing with the finding of the examiner.

 

I assume that you also have unearned income that results in you having taxable income.  There is no benefit to claiming a charitable deduction if your taxable income is already zero.