 The 3 Questions Donors Ask About IRA Rollover Gifts (and How to Answer Them)IRA rollovers are the best of both worlds. They let donors give from their assets, not their income – so these gifts are often larger than what someone could give from their checkbook. And here’s the best part: the funds can be put to use immediately by the nonprofit. Still, many fundraisers hesitate to talk about Qualified Charitable Distributions (QCDs) – also known as IRA rollover gifts – because they don’t feel confident answering donor questions. But here’s the truth: donors rarely ask complicated questions. They just want to understand the basics. If we want to receive these powerful gifts, we need to be ready with clear, simple answers. Here are the top three questions I hear most often – plus how to respond in a way that builds trust and inspires action. 1. “Will this affect my taxes?”Yes – in a good way. If you're 70½ or older, you can give directly from your IRA to a qualified charity without increasing your taxable income. For donors over 73, that gift can count toward your Required Minimum Distribution (RMD). So you're meeting a federal requirement and supporting a cause you love – without taking the tax hit. 2. “How hard is this to do?”Honestly? It’s very doable. If your IRA account includes check-writing privileges, you can write a check directly to the nonprofit. If not, a quick call to your broker or account manager will do the trick. Just make sure the funds go directly from the IRA to the charity. If they hit your personal account – even briefly – they become taxable. 3. “How much can I give this way?”In 2025, the annual QCD limit is $108,000 per individual, indexed for inflation. If both spouses have IRAs, a household can give up to $216,000 in a single year. Keep in mind: this is the total giving limit per IRA account per tax year. So if you've already made other QCDs this year, you’ll want to keep a tally toward that annual cap. Donors Are Asking – Are You Ready to Answer?If you’re not already promoting IRA rollovers, this is the time to start. And no – you don’t have to start from scratch. ✅ Grab the IRA Rollover Promotion Bundle – Everything You Need to Promote QCDs This $99 bundle includes:
You’ll get a downloadable PDF with links to every template, setup instructions, and a short tutorial video. Created by me – Jessica Neno Cloud, CFRE – after 20+ years in fundraising, this bundle is built to help you raise more, with less stress and guesswork. From 2019 to 2021, giving through IRAs jumped 390%. This isn’t a trend – it’s a tidal wave. Let’s make sure your nonprofit is riding it. Want a free way to get started? Download my free resource, Calendar of IRA Rollover Promotions – a simple tool to help you map out smart, strategic outreach across the calendar year. 👉 Download the Free Calendar Cheers!  P.S. Like this kind of insight? Subscribe to Real Deal Fundraising and get my best articles, tools, and curated resources every week – including webinars, videos, and free downloads. IRA Rollover References Resources If you liked this…
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Jessica Cloud, CFREI've been called the Tasmanian Devil of fundraising and I'm here to talk shop with you. Archives
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