Note, however, that if you plan to make a QCD to satisfy some of your RMD, you'll have to wait until you reach age 70½ to distribute that portion because a Qualified Charitable Distribution can only be made after you actually reach age 70½. Any amounts distributed prior to reaching age 70½ will still be RMD, but will not be QCD even if transferred to charity; amounts transferred to charity prior to age 70½ would instead have to be reported as a Schedule A deduction.
