Qualified Charitable Distributions (QCDs) just got a boost with the latest cost-of-living adjustments (COLA) for 2025.

A QCD allows you to roll funds directly from your IRA to a qualified charity, satisfying your Required Minimum Distributions (RMDs) without impacting your taxable income—even without itemizing. Here’s what’s new:

QCD Limit Increased: The maximum annual amount you can donate through a QCD has risen to $108,000 in 2025 (up from $105,000 in 2024).

Split-Interest Options Under SECURE 2.0: Now, you can make a one-time QCD election to a charitable gift annuity or charitable remainder trust, with an inflation-adjusted limit of $54,000 in 2025 (up from $53,000 in 2024).

These adjustments offer more flexibility and tax-efficient giving options for donors. Make sure that your donors are kept informed!