Donate With IRAs and Qualified Charitable Distributions (QCDs)
Turn your IRA into direct impact that will change families and communities now and for generations to come.
Getting Started – Donating With IRAs and QCDs
If you’re 70½ or older, a QCD allows you to make a tax-free donation directly from your IRA to Seeds for a Future. If you’re 73 or older, your QCD can also count toward your Required Minimum Distribution (RMD), which may reduce your tax burden.
To give, simply contact your IRA custodian and request a direct transfer from the IRA to Seeds for a Future. Be sure the donation is made directly from your IRA to Seeds for a Future; otherwise, it won’t qualify.
Below is the address to send your IRA distribution paperwork and check to, along with Seeds for a Future's Tax ID:
Seeds for a Future
PO Box 10453
Prescott, AZ 86304
EIN 41-2206020
Be sure to include your name and address in the distribution paperwork so we can thank you directly and provide you with a receipt for your donation.
Questions about IRA distributions and QCDs? Please connect with us below.
IRA QCD Frequently Asked Questions
A QCD allows for the direct transfer of funds from your IRA to a qualified nonprofit organization.
If you're 70½ or older, you can donate up to $100,000 tax-free annually through a QCD.
A QCD allows you to give to non-profits without incurring taxes from drawing on your IRA.
It can also count toward your Required Minimum Distribution (RMD) if you're age 73 or older, potentially lowering your tax bill.
Anyone age 70½ or older with a traditional IRA can make a QCD. Other retirement accounts like 401(k)s or donor-advised funds don’t qualify for QCDs directly.
If you're age 73 or older, the IRS requires you to withdraw a certain amount each year from your traditional IRA—this is called your Required Minimum Distribution (RMD). A QCD lets you donate part or all of your RMD directly to a qualified nonprofit like Seeds for a Future, satisfying your RMD without increasing your taxable income.
Yes. You can donate up to $100,000 per year per individual through QCDs. For married couples, each spouse can donate up to $100,000 from their own IRAs.
When you initiate the QCD, ask your IRA custodian to include your name and contact information with the check to Seeds for a Future. It’s also helpful to let the nonprofit know your gift is coming so they can properly acknowledge it.
To discuss IRA disbursements, please connect with us using the secure form below:
