topic QCD from ROTH in Error-is there a way to correct? in Retirement tax questions

QCD from ROTH in Error-is there a way to correct?

magu8870 — Mon, 23 Feb 2026 12:24:03 GMT

Hello, I recently had a a few QCDs that were processed from my ROTH. Since a qualified distribution from a ROTH IRA shall not be includible in gross income is there anyway to ammend or correct with my CPA ?

Re: QCD from ROTH in Error-is there a way to correct?

dmertz — Thu, 16 Feb 2023 18:45:50 GMT

Only distributions of otherwise taxable funds in an IRA can be a QCD. Since a qualified distribution from a Roth IRA is never taxable, it is not permitted to be reported as a QCD. Instead it must be reported on Schedule A as a charitable contribution, the same as if the distribution was paid to you and you then wrote a check to the charity.

It's extremely rare that any distribution from a Roth IRA could qualify as a QCD. It would have to be a distribution made from a Roth IRA after the participant reached age 70½ but before the 5-year qualification period has been met, and the IRA has investment gains. The QCD is not permitted to exceed those investment gains.

Re: QCD from ROTH in Error-is there a way to correct?

magu8870 — Thu, 16 Feb 2023 21:01:20 GMT

Thank you