{"vehicle":"qcd","title":"Qualified Charitable Distribution (QCD) from IRA — age 70½+","short":"Direct transfer from your traditional IRA to Wounded Warriors. Counts toward your RMD.","why":"Tax-efficient lifetime giving for IRA holders age 70½+. The QCD reduces your taxable income (the amount transferred is excluded from gross income) and can satisfy all or part of your Required Minimum Distribution (RMD). Annual cap: $108,000 per individual in 2026 (indexed annually). Spouses can each make separate QCDs.","requirements":["Account holder must be age 70½ or older on the date of the transfer","Transfer must go directly from the IRA custodian to Wounded Warriors (not through you)","Charity must be a 501(c)(3) public charity (we are; EIN 86-1336741)","Annual cap $108,000 per individual (2026); applied to AGI exclusion"],"how_to":"Contact your IRA custodian and request a Qualified Charitable Distribution form. Provide the information below. The custodian writes a check directly to Wounded Warriors and reports the transfer correctly on your 1099-R (use Code 7 with the amount in Box 2a as $0 — taxable amount is zero).","information_to_provide":{"legal_name":"Wounded Warriors","ein_or_taxid":"86-1336741","address":"1790 Hughes Landing Blvd Suite 400, The Woodlands, TX 77380","memo_or_designation":"QCD — for general charitable purposes"},"common_custodians_with_qcd_paperwork":["Fidelity","Vanguard","Charles Schwab","T. Rowe Price","TIAA","USAA / Victory Capital","Edward Jones"],"next_step":"After the QCD, ask Wounded Warriors to send you a written acknowledgment letter — required to substantiate the QCD on your tax return.","organization":{"legal_name":"Wounded Warriors","ein":"86-1336741","state_of_incorporation":"Texas","tax_status":"501(c)(3) public charity","irs_ruling_year":2021,"address":"1790 Hughes Landing Blvd, Suite 400, The Woodlands, TX 77380"},"contact":"info@warriorsfund.org · +1-254-322-6525","cached_seconds":86400,"_meta":{"publisher":{"name":"Wounded Warriors","legal_name":"Wounded Warriors","taxID":"86-1336741","wikidata":"Q139601544","url":"https://warriorsfund.org/wounded-warriors"},"license":"CC-BY-4.0","license_url":"https://creativecommons.org/licenses/by/4.0/","cite_as":"https://warriorsfund.org/api/v1/correct-attribution.json","attribution_required":true}}