IRA Giving
Give from your IRA. Preserve memory. Inspire the next generation.
How a Qualified Charitable Distribution May Reduce Your Taxes
What it is
A Qualified Charitable Distribution (QCD) transfers funds directly from your Individual Retirement Account (IRA) to a qualified charity, such as the Holocaust Remembrance Association (HRA18).
Who can give
You must be at least 70½ on the date of the distribution. You can make a QCD even before you are required to take an RMD.
Lower taxable income
A qualifying QCD is excluded from federal taxable income. Compared with taking a taxable IRA withdrawal, it can keep your adjusted gross income (AGI) lower. You do not need to itemize deductions to benefit.
Counts toward your RMD
If you must take a Required Minimum Distribution, a QCD can satisfy all or part of that year's IRA RMD. IRA RMDs generally begin at age 73 under current rules; your required starting age depends on your birth year. Ask your advisor to confirm your own requirement.
Up to $111,000
Eligible individuals may give up to $111,000 in QCDs across all charities combined. Each eligible spouse may give from their own IRA, subject to their own limit. Limits are adjusted annually.
Your Gift Helps Hope Grow
Your generosity supports the Holocaust Garden of Hope, educational experiences for students and families, and community involvement through the Upstander Stone Project. Together, we honor lives lost and inspire people to choose courage, compassion, and action.
How to Make Your Gift
Contact your IRA custodian
Request a Qualified Charitable Distribution payable directly to Holocaust Remembrance Association. A withdrawal payable to you followed by a personal donation does not qualify as a QCD.
Provide our giving details
- Payable to
- Holocaust Remembrance Association
- Federal Tax ID / EIN
- 83-3600582
- Mailing address
- PO Box 6556
Kingwood, TX 77325-6556 - Reference
- IRA Qualified Charitable Distribution
Ask your custodian to include your name so we can identify your gift.
Let us know your gift is coming
Email
jerrim@hra18.org
or call Rozalie Jerome at
832-287-5057
. Share your name, contact information, anticipated amount, and custodian’s name.Plan ahead and keep records
Work with your custodian well before year-end so the distribution is completed by December 31. Keep your acknowledgment and share it with your tax preparer.
Important Giving Guidelines
QCDs generally come from IRAs, not directly from 401(k) or 403(b) accounts. Ongoing SEP and SIMPLE IRAs are not eligible. A QCD excluded from income cannot also be claimed as a charitable deduction. You cannot receive event tickets, meals, or other goods or services in exchange. Deductible IRA contributions after age 70½ can affect the amount eligible for exclusion. Consult your advisor if you already took your RMD or have other questions about eligibility.
See What Your Generosity Makes Possible
We would love to share what we have been accomplishing, and where we are headed. Contact us to request a report highlighting HRA18’s recent achievements, progress at the Holocaust Garden of Hope, our educational and community programs, and our vision and future plans for 2027 and beyond.
Request our impact report and future plans:
email Jerri at
jerrim@hra18.org
or call Rozalie Jerome at
832-287-5057
.
Information reflects 2026 rules and is for general education, not individual tax advice. Consult your tax advisor and IRA custodian about your eligibility, timing, and tax treatment.
Learn more:
IRS QCD guidance
|
Fidelity QCD overview
|
IRS 2026 limits