Individual Retirement Account (IRA) holders 70 ½ years of age or older may make tax-free distributions from a Traditional IRA or taxable amounts from a Roth IRA and donate the amount distributed, tax-free, to an eligible tax-exempt organization. This tax-free distribution is known as a Qualified Charitable Distribution (QCD). 

Qualified Charitable Distributions must be payable directly to a charity.

Qualified Charitable Distributions may be used to satisfy the Required Minimum Distribution (RMD) from an IRA.

The tax-free distributions are limited to a maximum of $111,000 for 2026.

A Medallion Signature Guarantee (MSG) will be needed for a first time QCD through GuideStone, or the first time a QCD is going to a specific charity.

If you would like to take a Qualified Charitable Distribution from your IRA, please contact our Customer Solutions team to request an application.  

Note: Retirement assets in a 403(b), 401(k), SEP IRAs and SIMPLE IRAs as well as Employer Sponsored Retirement Plans do not qualify for treatment as Qualified Charitable Distributions under any circumstance. However, for these accounts, you may name a charity as a beneficiary.