Qualified Charitable Distributions (QCDs) Make Giving Simple and Tax-Efficient
What Is a Qualified Charitable Distribution (QCD)?
A Qualified Charitable Distribution (QCD) is a direct gift from your Individual Retirement Account (IRA) to a qualified nonprofit like Heart to Heart International. By donating this way, you may:
Avoid income taxes
As the money goes directly to charity, it does not count as taxable income.
Satisfy your Required Minimum Distribution (RMD)
If you meet the age criteria, your donation can count towards your annual RMD.
Make a lasting difference
Your gift helps Heart to Heart International deliver medicines, medical supplies, and healthcare access to communities in need at home and across the globe.
How to Make a QCD Gift to HHI
Contact your IRA custodian or financial institution to request a Qualified Charitable Distribution.
Instruct them to make the check payable to
Heart to Heart International
11550 Renner Blvd.
Lenexa, KS 66219Notify us of your gift by emailing at tracy.miller@hearttoheart.org or call 913-320-6142. This ensures we properly recognize your generosity and send you a timely receipt.
Ensure Your QCD Donation Is Properly Credited
You may have the option to instruct your financial institution either to send a check directly to HHI or to your address. It is common for financial institutions to send a check without adequately identifying the donor, even if you explicitly instruct them to do so. Please notify us that you will be making a QCD donation from your IRA so we can make sure we properly recognize your gift and send you a receipt in a timely manner.
If you choose to have the check sent to your address, it must be made payable to Heart to Heart International to get the tax benefit of the charitable distribution. Do not deposit the check into your personal account. Simply take the check they send you and mail it to us in a new envelope with a note that includes your name, your address, and your email address if you wish to provide it.
What to Remember About QCDs
Available for IRA holders age 70½ and older.
Can satisfy part or all of your annual RMD.
The maximum annual QCD amount is $100,000 per person.
Only applies to IRAs (not 401(k)s or other retirement accounts).
Tax rules vary. Please consult your financial advisor or accountant.
Why Consider a QCD?
If you are required to take a distribution but don’t need the funds for living expenses, a QCD allows you to:
Reduce your tax burden.
Directly support humanitarian aid and global healthcare access.
Contribute in a way that is both simple and impactful.
Even if you are not yet required to take your RMD, you may still be able to make a QCD. Talk with your IRA custodian, financial advisor, or tax professional to see if this option is right for you.