Give Through Your IRA with a Qualified Charitable Distribution
If you’re age 70½ or older, you can support the Shenandoah Valley Bicycle Coalition directly from your IRA — a tax-wise way to invest in trails, walking, bicycling, and active transportation across our region.
Why Consider a QCD?
Reduce Taxable Income
Transfer up to the annual IRS limit — over $100,000 per person, indexed for inflation — directly from your IRA. The amount is excluded from your taxable income entirely.
Satisfy Your RMD
Beginning at age 73, your QCD can count toward all or part of your Required Minimum Distribution without increasing your adjusted gross income.
No Itemizing Required
Because the gift never appears in your income, you receive the full tax benefit even if you take the standard deduction — no itemizing needed.
Additional Financial Advantages
Lowering your adjusted gross income can unlock meaningful additional benefits for your overall financial picture — see below.
Lowering Your AGI May Also Help You
- Reduce taxes on Social Security benefits
- Avoid higher Medicare premium brackets
- Minimize income-based phaseouts
- Support thoughtful estate planning
How to Make a QCD
- Contact your IRA administrator and request a Qualified Charitable Distribution.
- Ask that the distribution be made payable to the Shenandoah Valley Bicycle Coalition using the information below.
- Ask your IRA custodian to include your name and contact information with the gift so we can properly thank you.
Have Questions?
We encourage you to consult your IRA administrator or tax professional to determine whether a QCD is right for your situation. You’re also always welcome to reach out to us directly — we’d love to hear from you!
Support the Coalition Through Your IRA with a Qualified Charitable Distribution (QCD)
If you are age 70½ or older, you can make a meaningful gift to the Shenandoah Valley Bicycle Coalition directly from your IRA through a Qualified Charitable Distribution (QCD).
A QCD allows you to support the Coalition while potentially reducing your taxable income — often more efficiently than writing a check.
Why Consider a QCD?
✔ Tax Advantage
You can transfer up to the annual IRS limit (over $100,000 per person, indexed for inflation) directly from your IRA to the Coalition. The amount transferred is excluded from your taxable income.
If you are subject to a Required Minimum Distribution (RMD) (generally beginning at age 73), your QCD can count toward all or part of that RMD — without increasing your adjusted gross income (AGI).
Even if you take the standard deduction and do not itemize, you still receive the tax benefit because the distribution never appears in your income.
Additional Financial Benefits
Lowering your adjusted gross income may:
- Reduce the portion of Social Security benefits subject to tax
- Help you avoid higher Medicare Part B and Part D premium brackets
- Prevent income-related phaseouts or limitations on other deductions and credits
- Serve as a thoughtful estate-planning strategy by reducing tax-deferred IRA assets while preserving other assets for heirs
Because the transfer goes directly from your IRA custodian to the Coalition, the process is straightforward and ensures the gift qualifies for exclusion from income.
How to Make a QCD
Contact your IRA administrator and request a Qualified Charitable Distribution payable to:
Shenandoah Valley Bicycle Coalition
EIN: 34-2016415
Mailing Address:
P.O. Box 1014
Harrisonburg, VA 22803
Email: [email protected]
Please ask your administrator to include your name and contact information with the gift so we can properly acknowledge and thank you.
Questions?
We encourage you to consult your IRA administrator or tax professional to determine whether a QCD is right for you.
You may also contact the Coalition at 571-277-8121 or [email protected].
Shenandoah Valley Bicycle Coalition is a 501(c)(3) nonprofit organization.
