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Retirees: Use QCDs to Beat New Tax Rules | Raleigh News
Retirees, pay attention: a new tax law hitting in 2026 makes cash charity donations harder to deduct, but there’s a loophole—Qualified Charitable Distributions (QCDs)—that lets you send IRA money directly to charity tax-free. If you’re 72.5 or older, you can donate up to $111,000 per person (or $222,000 for couples) in 2026, and it counts toward your required minimum distribution. Best part? It doesn’t count as income, so it avoids new caps and lowers your AGI—potentially saving you on Medicare premiums and Social Security taxes. Don’t wait—QCDs for 2026 must be completed by December 31…
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