Donor advice fund

Jenniemac64 — Wed, 22 Oct 2025 16:27:56 GMT

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

Re: Donor advice fund

Deepp — Wed, 22 Oct 2025 17:12:14 GMT

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.

topic Donor advice fund in Retirement tax questions

Donor advice fund

Re: Donor advice fund