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Give from your IRA

Ways to Give

Support Earth Talks. Owe nothing extra to the IRS.

If you’re 70½ or older, a Qualified Charitable Distribution (QCD) lets you send gift dollars from your IRA straight to Earth Talks Foundation — skipping your taxable income entirely and counting toward your Required Minimum Distribution if you have one.

WHY DONORS CHOOSE A QCD

One transfer, four advantages

A QCD isn’t a deduction you claim later — the gift is simply excluded from your income in the first place. For many donors, especially those who no longer itemize, that makes it the most tax-efficient way to give.

  1. Satisfies your RMD. If you’re required to take a Required Minimum Distribution, a QCD can count toward it–in full or in part
  2. Excluded from taxable income. The transferred amount never shows up as income, even if you don’t itemize deductions.
  3. No capital gains, no ACI limits. Unlike appreciated-stock gifts, a QCD isn’t capped by adjusted-gross-income percentage limits.
  4. Funds Earth Talks’ work now. Your gift supports ETF operations. 

Give with confidence

Earth Talks Foundation is a registered 501(c)(3) public charity governed by an independent Board of Directors, with financial controls and conflict-of-interest and gift-acceptance policies on file. Copies of our governing documents and IRS determination letter are available at How We Operate.

  • Idaho Nonprofit in good standing
  • 501(c)(3) Public charity
  • Independent Board Not controlled by RI
  • Governance Policies On file & available by request

Frequently Asked Questions

  • Eligibility

    You must be age 70½ or older on the gift date. Your Required Minimum Distribution age — when RMDs must begin — depends on your birth year under the SECURE 2.0 Act.

    Minimum age to give a QCD: 70 1/2. Applies regardless of when your RMDs begin.

    Eligible Accounts: Traditional, inherited, SEP & SIMPLE IRAs. All eligible accounts, regardless of when your RMDs begin.

    RMDs begin at 73 for those born in 1951-1959 under the current law

    RMDS begin at 75 for those born in 1960 or later under the current law.

    This page is provided for general information and does not constitute tax or legal advice. Please consult your tax advisor or IRA custodian about your specific situation.

  • Giving limits

    The annual QCD limit per individual for 2026, indexed yearly for inflation is $111,000.  Married couples with separate IRSs can each give up to their own limit–a combined $222,000.

    • The gift must move directly from your IRA custodian to Earth Talks Foundation–funds cannot pass through your hands first.
    • A QCD can satisfy all or part of your RMD for the year, dollar for dollar.
    • A one-time QCD of up to $55,000 can also fund a charitable gift annuity or charitable remainder trust; talk with your IRA custodian and tax advisor about whether this applies to you. 

Ready to donate?

Use the details above or email us directly, and we’ll help.