Important Information Regarding IRA Check-Writing Privileges for Qualified Charitable Distributions

For those clients who have IRA check-writing privileges on your retirement account, please see below for a few reminders about your year-end Qualified Charitable Distributions (QCDs).

  • You may continue to use your IRA checkbook for charitable giving.

  • If you make charitable gifts using your IRA checkbook, please continue to maintain records of your donations and provide that information to your tax advisor when preparing your tax return.

  • To help avoid year-end processing delays, we recommend writing and mailing charitable checks by November 30, 2026.

If you plan to make charitable gifts from your IRA this year, please contact your wealth advisor as soon as possible. Your advisor can speak with you about the following:

  • Timing considerations for year-end charitable distributions;

  • Establishing standing instructions for recurring charitable gifts, which may simplify the process; and

  • Any questions regarding QCDs and charitable giving from your IRA.

Please contact Trisha Parks, Client Services Manager, at tparks@riverwealthadvisors.com, or by phone at717.888.9830 if you need assistance.

Taylor Schultz