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QCD Donations

Let’s Make an Impact Together

Your Qualified Charitable Distribution (QCD) to IDEAS supports critical programs that empower communities, create sustainable growth, and drive systemic change. By giving directly from your IRA, you can reduce your tax burden while making a difference in financial literacy, poverty alleviation, and more.

Consider a QCD if you:

  1. Are aged 73 1⁄2 or older.
  2. Want to lower your taxable income and satisfy your Required Minimal Distribution (RMD).
  3. Prefer a simple, tax-efficient way to give.

Why Choose a QCD to Support IDEAS?

Your QCD can make a powerful impact by supporting:

  • Financial Literacy: Empower individuals to manage their resources effectively. 
  • Improving Access to Critical Resources: Provide communities with tools like financial literacy, technical support in accessing loans and savings. 
  • Funding Migrant and Returnee Micro-Enterprises: Help entrepreneurs launch and grow businesses that support their families and local economies.
  • Alleviating Poverty: Drive systemic change with programs designed to lift families out of poverty.

Why Give Through a Qualified Charitable Distribution (QCD)?

A Qualified Charitable Distribution (QCD) is a tax-smart way to give directly from your IRA to charities like IDEAS. Here’s why it might be the smart choice:

  • Reduce Your Taxable Income: Avoid paying taxes on IRA withdrawals by donating directly, which lowers your taxable income.
  • Satisfy Your Required Minimum Distribution (RMD): If you’re 73 or older, a QCD counts toward your RMD without adding to your taxable income.
  • Tax-Free Giving: Make a bigger impact since your gift isn’t reduced by taxes, ensuring every dollar goes directly to supporting IDEAS.
  • Simplify Your Giving: Direct transfers from your IRA custodian make the process seamless, with no need to manage deductions or sell assets.
  • Support Causes You Care About: Your QCD funds IDEAS’ work in financial literacy, poverty alleviation, and sustainable development, creating lasting change in underserved communities.

How to Make a QCD to IDEAS

Contact Your IRA Custodian: Inform your custodian of your intention to make a QCD. Provide them with IDEAS’ name, address, and Tax ID (EIN). Please email to donations@ideasnet.org to obtain our Tax ID number. 

  • Specify the Amount: Decide how much you would like to contribute (up to $100,000 per year).
  • Obtain IDEAS’ Information: Provide your IRA custodian with our tax number and the number of our account at Schwab: Please email donations@ideasnet.org to obtain our Tax ID number. 
  • IDEAS Mailing Address: 1702 Dancing Fox Road, Decatur, GA 30032 USA
  • Request Confirmation: Ensure your custodian sends the funds directly to IDEAS and request confirmation of the transfer.

Notify IDEAS: Let us know to expect your gift so we can ensure proper acknowledgment and allocate your support effectively.

IRS Requirements

Donors must be at least 70½ years old at the time of the distribution.

Up to $100,000 per individual per year ($200,000 for couples, if each spouse qualifies).

Only traditional IRAs and inherited IRAs are eligible. Other account types must be rolled over into an IRA first.

To qualify as a QCD, the donation must go directly from the IRA custodian to the charity.

Only 501(c)(3) organizations are eligible to receive QCDs. IDEAS is fully qualified.

The QCD cannot be used to purchase event tickets, memberships, or any other item that provides a benefit to the donor.

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Dr. Carter Garber
Executive Director of IDEAS
and IDEAS Mexico

HQ: 1702 Dancing Fox Road
Decatur, GA 30032 USA
info@ideasnet.org

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  • Relatives of each of the 5 population groups above. 
  • The government that collects taxes and benefits from free training of residents who are developing skills.
  • People selling or buying services from these populations. 
  • People renting apartments and business places to Latin American residents. 
  • Universities that are sending their students to be trained. 
  • Those who receive our training and later may decide to obtain full time employment find the materials useful. 
  • Consultants such as those videoing and editing videos, bookkeeping, computer work, social media, administrative tasks, publishing manuals,  etc.
  • Financial institutions who benefit from the interest paid on the loans or debts. They often do not pay IDEAS for developing their clients. 
  • Latin American Migrants: We seek to assist some of the 500,000 migrants from 11 countries who have gained residency in Mexico in the last 5 years. Many start businesses to sustain their families, with a significant portion being single mothers or women in vulnerable situations.
  • Binational Families: Returning Mexicans often face economic exclusion and loss of remittance income. IDEAS helps them and their families develop businesses through financial education and skill-building.
  • Financial Institutions: Many financial entities are hesitant to serve migrants. IDEAS educates them on the value of these populations. IDEAS provides potential with tools like infographics, training manuals and access to financial services such as loans and savings accounts. We train a substantial number of their staff who provide services like remittances, loans, investments, and savings.
  • Partner Organizations: NGOs, federal, state, and local government institutions, UN and international agencies, and others partner with IDEAS to support migrants and returnees. We train their staff to expand services and integrate entrepreneurship into their programs.
  • Volunteers, Consultants, and Students: Volunteers, part-time consultants, and students play critical roles, contributing expertise and gaining firsthand experience. We provide substantial education and valuable experience that help them now and prepare them for future work. Many report life-changing perspectives after working with migrant communities.