IRA Rollover

IRA Rollover

What is an IRA charitable rollover?

An IRA charitable rollover is a way to transfer money from your IRA to the UDNF directly, without paying income tax on the distribution. This can be a great way to make a large gift to support our mission, especially if you are over age 70½ and have required minimum distributions (RMDs).

Benefits of an IRA charitable rollover

  • Avoid taxes on transfers of up to $100,000 per year from your IRA to the UDNF
  • Reduce your taxable income, even if you do not itemize deductions
  • Make a gift that is not subject to the deduction limits on charitable gifts
  • Satisfy your required minimum distribution (RMD) for the year


How an IRA charitable rollover gift works

  • Contact your IRA plan administrator and request a qualified charitable distribution (QCD) form.
  • Fill out the QCD form and designate the UDNF as the recipient of your gift.
  • Your IRA plan administrator will send your gift directly to the UDNF.


Please note:

  • You must be at least 70½ years old to make an IRA charitable rollover.
  • You can only make one IRA charitable rollover gift per year.
  • IRA charitable rollover gifts do not qualify for a charitable deduction.


Contact us

If you have any questions about an IRA charitable rollover gift, please contact us at We would be happy to assist you and answer any questions you might have.