![](https://cdn.statically.io/img/www.catholiccharitiesusa.org/wp-content/uploads/2024/04/ccnh-libertyhouse-e1713366143544-983x1024.jpg)
IRA Charitable Rollover
![](https://cdn.statically.io/img/www.catholiccharitiesusa.org/wp-content/uploads/2023/12/Website-Icons39.png)
Simple
Consult with a knowledgeable staff member.
![](https://cdn.statically.io/img/www.catholiccharitiesusa.org/wp-content/uploads/2023/12/Website-Icons38.png)
Beneficial
Lower your taxable income.
![](https://cdn.statically.io/img/www.catholiccharitiesusa.org/wp-content/uploads/2023/12/Website-Icons_purple12.png)
Impactful
See your donation help those in need.
![](https://cdn.statically.io/img/www.catholiccharitiesusa.org/wp-content/uploads/2023/11/IRA-1024x577.jpg)
Make a difference tomorrow. Start a rollover today.
Put Your IRA Charitable Donation to Work
Your generosity will help fund ministries that are serving individuals and families across the country — at food pantries, in senior housing and in job training programs.
![A closeup of the hands of two people. One holds a pen and prepares to sign paperwork. The other has her hands folded on the table.](https://cdn.statically.io/img/www.catholiccharitiesusa.org/wp-content/uploads/2023/11/IRA-paper-1024x577.jpg)
![A closeup of a small calculator, a pen and a pair of folded black glasses.](https://cdn.statically.io/img/www.catholiccharitiesusa.org/wp-content/uploads/2023/11/Calculator-1024x577.jpg)
![An older couple smile and look happy. Their heads are pressed together; she rests her hand on his chest and he has his arm around her shoulder.](https://cdn.statically.io/img/www.catholiccharitiesusa.org/wp-content/uploads/2023/11/IRA-1-1024x577.jpg)
The process
Instruct your IRA administrator to transfer funds to the charity, or charities, you designate. Payment should be sent directly from your IRA to Catholic Charities USA via a qualified charitable distribution (QCD).
Tax benefits
- A QCD excludes the donation amount from your taxable income, potentially earning you significant tax breaks.
- Lower taxable income may reduce the impact to certain tax credits and deductions, including Social Security and Medicare.
Requirements and restrictions
- Donor must be 70½ or older.
- Gifts must be made directly from an IRA to a 501(c)(3) charitable organization. Gifts from 401(k), 403(b) and 457 plans are prohibited.
- All charitable gifts combined may not exceed more than $100,000 per taxpayer, per year.
- Gifts may not be made to a donor advised fund, supporting organization or private foundation.
- Gifts are not included in taxable income, and no charitable deduction is allowed.
![Francena Phillips Jackson is senior director of planned giving.](https://cdn.statically.io/img/www.catholiccharitiesusa.org/wp-content/uploads/2023/11/Francena-P-Jackson.jpg)
Questions? Contact us.
Francena Phillips Jackson
Senior Director, Planned Giving
703-236-6206 | Email
The Impact
Your gift to Catholic Charities USA is more than a one-time donation. The impact of your generosity and support of the Catholic Charities mission will long be felt.
![](https://cdn.statically.io/img/www.catholiccharitiesusa.org/wp-content/uploads/2023/12/Website-Icons_white27.png)
58,900
Families assisted with SNAP benefits
![](https://cdn.statically.io/img/www.catholiccharitiesusa.org/wp-content/uploads/2023/12/Website-Icons_white19.png)
12,820
Clients connected to primary care providers
![](https://cdn.statically.io/img/www.catholiccharitiesusa.org/wp-content/uploads/2023/12/Website-Icons_white11-1.png)
606,018
Clients accessed homelessness services