Give Directly from your Individual Retirement Account (IRA)

This is one of the simplest, most tax-efficient ways to make a gift.

If you are 73 or older, you are generally obligated each year to take a 
Required Minimum Distribution (RMD) from your traditional IRA.

As a way of lowering your taxable income,
you can choose to send all or part of that RMD to Give a Little.  

(If you do this, you will be making what is called a Qualified Charitable Distribution or QCD.)​

The gift must go directly from your IRA custodian to Give a Little.  
Money that passes through your hands first misses out on the tax savings.  
  

Further information

• In 2026, you can give up to $111,000 per person ($222,000 for a married couple) from a traditional IRA.
• A QCD is excluded from your taxable income entirely, so you pay no taxes on your charitable donation.
• Because it lowers your reported income, a QCD may also help keep your Medicare premiums or other income-based costs lower.

Steps to follow

1. Contact your IRA administrator to begin the process of making a Qualified Charitable Distribution.
2. Ask for a direct transfer to Give a Little and provide the following:  Give a Little, P.O. Box 232 McMinnville, OR 97128 Federal Tax ID (EIN) #26-0733729.
3. To qualify for this tax year, ensure that your administrator sends the money from your IRA directly to us so that we receive it by December 31, 2026 to qualify for this tax year.
4. We will send you an acknowledgment for your records. 

But you don't have to wait until age 73 to make a Qualified Charitable Distribution (QCD).

Starting at age 70½, you can get the same tax benefits using a QCD.

(The difference is that, between these two ages, you would be taking money from your IRA voluntarily, rather than using funds the IRA requires you to withdraw.)

Please consult your tax advisor or trusted professional to determine
the best giving strategy for your individual circumstances.