IRA Charitable Rollover

A qualified charitable distribution from your Individual Retirement Account (IRA) supports the life-changing work of Catholic Charities in your community.

Put Your IRA Charitable Donation to Work

Pay no capital gains tax on donated securities held for more than one year. 


You may be eligible for a charitable tax deduction based on the fair market value of securities on the transfer date.


A donation of securities can help you rebalance your portfolio. 


Have Questions?

Contact us if you have donation questions.

Securities transfer process


To transfer shares directly to the CCUSA brokerage account, provide your broker/advisor with the following information:


  • DTC Number: #
  • Account Number: xxx-xxxx-x
  • Broker:
  • Catholic Charities Tax ID:


Please ask your broker to include your name on the transaction. This allows us to supply you with the appropriate tax documents.


The Process


Instruct your IRA administrator to transfer funds to the charity, or charities, you designate. Payment should be sent directly from your IRA to Catholic Charities USA via a qualified charitable distribution (QCD)

Tax Benefits


  • A QCD excludes the donation amount from your taxable income, potentially earning you significant tax breaks.


  • Lower taxable income may reduce the impact to certain tax credits and deductions, including Social Security and Medicare.


Requirements & Restrictions


  • Donor must be 70½ or older.
  • Gifts must be made directly from an IRA to a 501(c)(3) charitable organization. Gifts from 401(k), 403(b) and 457 plans are prohibited.
  • All charitable gifts combined may not exceed more than $100,000 per taxpayer, per year.
  • Gifts may not be made to a donor advised fund, supporting organization or private foundation.
  • Gifts are not included in taxable income, and no charitable deduction is allowed.



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