Charles Schwab allows IRA holders two alternatives for QCD payments as follows:
1. Deliver/send a check direct to a qualified charity from Schwab.
2. Make the check payable to the charity but mail it to the IRA owner to be delivered to the charity.
My Question: Does the IRS consider checks delivered to a charity by the IRA holder a QCD assuming the check is made payable to the charity?
Thank you.
