***New-IRA or RMD*** - Natural Family Planning | Fertility Awareness

IRA or RMD Distributions

For eligible individuals, a Qualified Charitable Distribution from an IRA may provide a tax-efficient way to support CCL directly from retirement assets.

How It Works

Anyone 70½ years or older with a contributory IRA is required to withdraw a “minimum distribution” annually (“RMD”). The distribution is considered ordinary income and is taxed at your tax rate. The amount of RMD is calculated based on IRS guideline tables.

As always, check with your CPA or tax advisor.

Where to Send

To make an IRA Charitable Contribution to the Couple to Couple League, direct your contribution to be sent to:

The Couple to Couple League International, Inc.
5440 Moeller Avenue Suite 149
Cincinnati, OH 45212

What to Expect

You can expect to receive acknowledgment of your gift from CCL once the transaction has been processed. Acknowledgment will include pertinent information about the donation, including the date of the donation. If you have not received a thank you from CCLI, please let us know so we can appropriately thank you for your gift. Thank you for building joyful marriages through teaching natural family planning!

Pension Protection Act

In 2006, the Pension Protection Act included a provision allowing taxpayers 70½ or older to transfer money from their IRA accounts directly to a charity without paying taxes on the distribution. In 2015, this provision was made permanent.

As long as you are 70½ or older, you can make an IRA Charitable Rollover (also called a “Qualified Charitable Distribution”) of up to $100,000 every year to a 501(c)(3) tax-exempt organization. If you’re married, your spouse can also contribute $100,000. The amount of distribution may exceed the RMD for the year. The contribution must be sent directly from your IRA to the charity. With this charitable opportunity, you can meet your required minimum distribution, avoid paying taxes on the distribution, and help your favorite charitable organization.

Questions about IRA or RMD giving?

Questions about stewardship, legacy giving, or how you would like to invest in CCL’s future? Contact Annie Roettker, CFO, for more information.

Annie Roettker

CFO & COO

IRA & RMD Contributions FAQs

Yes. If you meet the applicable IRS age requirements, you may be able to make a Qualified Charitable Distribution (QCD) directly from your IRA to Couple to Couple League.

A QCD allows eligible IRA owners to transfer funds directly from an IRA to a qualified charitable organization. For many donors, this can be a tax-efficient way to support CCL’s mission while making use of retirement assets.

Your IRA administrator can help you initiate the gift. Because individual circumstances and tax rules vary, we recommend consulting your financial or tax advisor to determine whether a QCD is appropriate for you.

A Required Minimum Distribution (RMD) is the minimum amount that certain retirement account owners are required to withdraw each year after reaching the applicable age under federal law.

If you are eligible to make a Qualified Charitable Distribution, a gift made directly from your IRA to CCL may count toward satisfying all or part of your RMD for the year.

This can provide a meaningful opportunity to use retirement assets you are required to withdraw to help strengthen marriages, support families, and make Natural Family Planning education available to future generations.

An RMD is an amount you may be required to withdraw from your retirement accounts each year. A Qualified Charitable Distribution (QCD) is a specific type of charitable gift made directly from an eligible IRA to a qualified charity.

A QCD can count toward your RMD when the applicable requirements are met. Unlike taking an IRA distribution personally and then donating the funds, an eligible QCD is generally excluded from your taxable income.

There are specific eligibility requirements and annual limits for QCDs, so we encourage you to consult your IRA administrator or tax advisor before making your gift.

Generally, you do not also claim a charitable income-tax deduction for the amount of an eligible Qualified Charitable Distribution. Instead, the potential tax benefit comes from the QCD generally being excluded from your taxable income when IRS requirements are satisfied.

This distinction can make QCDs particularly useful for some donors, including those who do not itemize deductions.

Your tax advisor can help you understand how a QCD may affect your individual tax situation.

Tax laws, eligibility requirements, age requirements, and annual limits can change. This information is provided for general educational purposes and is not intended as legal, tax, or financial advice. Please consult your IRA administrator, tax professional, or financial advisor regarding your individual circumstances.

IRA or RMD Distributions

How It Works

Where to Send

What to Expect

Pension Protection Act

Questions about IRA or RMD giving?

Annie Roettker

IRA & RMD Contributions FAQs

Can I make a charitable gift to Couple to Couple League from my IRA?Expand

What is a Required Minimum Distribution (RMD), and can I give it to CCL?Expand

What is the difference between an RMD and a Qualified Charitable Distribution?Expand

Do I receive a charitable deduction for a gift made through a QCD?Expand