Giving Through Your IRA

If you're 70½ or older, you can support InConcert Sierra directly from your IRA. The gift is excluded from your taxable income, satisfies your Required Minimum Distribution if you have one, and works whether or not you itemize. It's called a Qualified Charitable Distribution (QCD), and for many of our donors it's the most tax-efficient way to give.

Why Donors Choose a QCD

  • Up to $111,000 per person in 2026 ($222,000 for couples), excluded from taxable income
  • Counts toward your RMD if you're 73 or older and required to take one
  • Works without itemizing — the gift bypasses your deductions entirely
  • Lowers your AGI, which can reduce Medicare IRMAA premiums and other income-based costs

How to Make a QCD

The gift must be transferred directly from your IRA custodian to InConcert Sierra. If funds pass through your personal account first, the QCD treatment is lost. Your custodian handles the transfer with a simple form.

1. Contact your IRA custodian and request a Qualified Charitable Distribution to InConcert Sierra. Most major custodians offer this through their online portal:

  • Fidelity — fidelity.com, search "QCD"
  • Charles Schwab — schwab.com, search "QCD"
  • Vanguard — vanguard.com, search "QCD"
  • TIAA, Edward Jones, Merrill Lynch — contact your representative
  • Other custodians — any IRA provider can process a QCD; just call and request one
2. Provide your custodian with our information
  • Legal name: InConcert Sierra
  • Mailing address: P.O. Box 205, Nevada City, CA, 95959
  • Federal Tax ID (EIN): 68-0164659
  • Tax status: 501(c)(3)

3. Ask your custodian to include your name on the check or transfer. This helps us identify and acknowledge your gift promptly. We'll send you a written acknowledgment for your tax records confirming that no goods or services were provided in exchange.

Year-End Timing

To count toward the 2026 tax year, your QCD must be completed and received by December 31, 2026. We recommend starting the request with your custodian by early December to allow for processing.

Let Us Know

Because QCD funds arrive from your custodian rather than from you directly, it's helpful to let us know a gift is on the way so we can match it to you and send your acknowledgment promptly.

Email: info@inconcertsierra.org
Phone: (530) 273-3990

This page is provided for informational purposes only. InConcert Sierra does not provide tax, legal, or financial advice. Please consult your tax advisor and IRA custodian to determine whether a QCD is appropriate for your situation.


 

Thank you to our sponsors!