IRA Rollover

IRA Rollover (Qualified Charitable Distribution)

You may be looking for a meaningful way to invest in the future of youth in our community. If you are age 70½ or older, you can use a Qualified Charitable Distribution (QCD) from your IRA to support New Pathways for Youth while potentially lowering your taxable income.
A QCD allows you to make a direct gift from your IRA to a qualified nonprofit like New Pathways for Youth, and it can be one of most tax-efficient ways to give.

Benefits of an IRA charitable rollover (QCD)

• Transfer up to $111,000 annually (2026 limit) from your IRA directly to charity
• Satisfy all or part of your Required Minimum Distribution (RMD) if you are age 73 or older
• Exclude the gifted amount from your taxable income
• Reduce your adjusted gross income (AGI), which may positively impact Medicare premiums and other income-based calculations
• Give regardless of whether you itemize deductions
• Make a powerful investment in mentorship, personal development, and wrap-around support for youth

Because the distribution is excluded from income, it is not eligible for an additional charitable deduction, but many donors find the income exclusion provides greater overall tax benefit.

How an IRA charitable rollover gift works

• Contact your IRA custodian and request a Qualified Charitable Distribution to New Pathways for Youth.
• The funds must be transferred directly from your IRA to New Pathways for Youth.
• The amount given will count toward your annual RMD (if applicable) and will not be included in your taxable income.

An IRA charitable rollover is a simple, impactful way to support youth as they build confidence, stability, and the tools they need to live their lives with joy and purpose.

As always, please consult your tax advisor to determine how this strategy applies to your individual circumstances.