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Question

Donor advice fund

Forum|Forum|7 months ago
October 22, 2025
1 reply
0 views

Can I use RMDs from my IRA to fund a donor advice fund? Is this a good strategy to reduce income?

Ask the Experts - Navigating - Oct 2025

user17581364628

Level 5

Hello,

Welcome to the event:

Your question: "Can I use RMDs from my IRA to fund a donor advice fund? Is this a good strategy to reduce income?"

You can use your Required Minimum Distribution (RMD) from an IRA to fund a Donor Advised Fund indirectly (DAF). Direct Qualified Charitable Donations (QCD) to DAF are not allowed. Use QCD to reduce taxable income, and separately make donations to DAF from non-IRA fund. Alternatively, you may consider donating appreciated assets to the DAF instead.

https://www.irs.gov/publications/p590b

Hope this helps.