topic Re: RMD and QCD in Retirement tax questions

RMD and QCD

dmf8 — Mon, 23 Feb 2026 13:42:28 GMT

In 2022 I used my RMD to make a QCD. My IRA administrator sent a check directly to the recipient who is listed by the IRS as a 501(c)(3) organization that is allowed QCDs. I requested that the contribution be made anonymously so my name did not appear on the check. I have a transaction statement from the IRA administrator with the date, amount, name of payee and check number. Is this sufficient documentation to satisfy IRS requirements?

Re: RMD and QCD

MinhT1 — Wed, 01 Feb 2023 15:56:00 GMT

Yes.

Re: RMD and QCD

dmertz — Wed, 01 Feb 2023 22:35:24 GMT

In the absence of a receipt from the charitable organization, you must have as substantiating documentation a statement from your IRA custodian showing the name of the organization, the date of the distribution, and the amount that you can provide to the IRS if requested.