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IRA Charitable Gifts

Qualified Charitable Distributions (QCDs) and Required Minimum Distributions (RMDs)

Support the School Sisters of St. Francis with a Tax‑Smart Gift

If you are age 70½ or older, you can make a meaningful and tax‑efficient gift to the School Sisters of St. Francis through a Qualified Charitable Distribution (QCD) from your IRA. A QCD allows you to donate directly from your IRA without the distribution being included in your taxable income, making it one of the most financially advantageous ways to give.

Beginning at age 73, you must take Required Minimum Distributions (RMDs). Many donors choose to use part or all of their RMD to support the School Sisters of St. Francis, reducing taxable income while sustaining our mission.

2026 QCD Limits

  • Individuals (2026): You may contribute up to $111,000 directly from your IRA to a qualified charity.
     
  • Married Couples (2026): If both spouses have their own IRAs, each may give up to $111,000, for a combined potential gift of $222,000.
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Benefits of Making a QCD
  • Reduce taxable income. QCDs can lower your adjusted gross income, potentially decreasing your tax liability.  
     
  • Satisfy part or all of your RMD. Your QCD counts toward your annual RMD requirement.
     
  • Give more at no additional cost. Because QCDs are excluded from taxable income, your gift may go further than an after‑tax contribution.
     
  • Support the School Sisters of St. Francis directly. Your generosity helps sustain our retired sisters, preserve St. Joseph Chapel, and support our global ministries.
How to Make a QCD or RMD Gift
  1. Contact your IRA custodian and request a Qualified Charitable Distribution payable to:

School Sisters of St. Francis
1501 S. Layton Blvd.
Milwaukee, WI 53215

EIN:39-1594407

  1. Ask your custodian to include your name and contact information with the distribution so we can acknowledge your gift.
     
  2. Notify the Mission Advancement Office:
    Phone: 414‑385-5340
    Email: aferguson@sssf.org
Important Notes
  • QCDs must be transferred directly from your IRA to the School Sisters of St. Francis.
     
  • This information is not legal or financial advice. Please consult your tax professional for guidance.
Your Gift Makes a Difference

By directing your IRA distribution to the School Sisters of St. Francis, you help us continue our work of peace, justice, education, and compassionate service. Thank you for considering this meaningful way to support our mission.