QCD

[Cl0udClimber]

"The distribution MUST go directly from the custodian to the charity. It cannot go to the owner and then the charity". How does the IRS translate "Directly"? One major broker will not mail it directly but they make the check out to the charity.

[rjs]

That's an acceptable way to make a QCD. The money goes directly from the IRA to the charity. As long as the check is payable to the charity, you handle the paper, but you don't handle the money. I've been doing it that way since QCDs became available. No problems.