The ILJ-MI book club meets bi-monthly virtually to discuss titles that are relevant to our clients and immigrant and refugee stories. It would be a...
Immigration Law & Justice Michigan’s legal staff in four locations – Grand Rapids, Kalamazoo, metro Detroit and Traverse City – help low-income immigrants, refugees and asylum seekers understand their choices and navigate the complexities and barriers of the U.S. immigration legal system.
The ILJ-MI Impact
In 2023, the legal services provided by ILJ-MI increased by 33%
If you are 70½ or older, you can realize tax savings by giving from your IRA! It’s much simpler than you may think!
WHO: If you are 70½ years or older, you can donate up to $100,000 per tax year directly from an Individual Retirement Account (IRA) to charities like Immigration Law & Justice Michigan.
WHAT: Qualified Charitable Distributions (QCD), otherwise known as IRA charitable rollovers or IRA gifts, allow your charitable dollars to go further. QCDs may be excluded from your taxable income and qualify towards your required minimum distribution (RMD).
WHEN: Now! Some IRAs require that your charitable distribution be made before other withdrawals are taken.
WHERE: Contact your IRA administrator and instruct that person to transfer funds to the charities you’ve designated.
HOW: Here’s how a Qualified Charitable Distribution (QCD) works:
- You must be 70-1/2 or older at the time of gifting a distribution from your IRA to charity.
- You may distribute an amount, up to $100,000 in a calendar year, to one or more public charities, so long as it is completed by December 31 of that year.
- Your IRA administrator must make the distribution directly to the charity, or you may write a check to the charity from your IRA checkbook. Funds that are withdrawn by you and then contributed do not qualify.
WHY: QCDs count toward your required minimum distribution for the year. If you must take your required minimum distribution, but you don’t want or need the funds, QCDs are a good way to distribute the amount out of the IRA. As an added benefit, you’ll avoid paying income tax on your gross income up to $100,000. NOTE: Although the age at which most individuals must take a Required Minimum Distribution is now 73, gifts to qualified charities can still begin at age 70.5.
Frequently Asked Questions
Are there any QCD restrictions?
Per IRS regulations, QCDs cannot be made to a donor advised fund (DAF), charitable remainder trust or charitable gift annuity. A QCD can be made to your sponsoring 501(c)(3) organization if you can fund programs outside of your DAF. Such purposes include general support for the charity or for other programs they may maintain outside of their role as a DAF sponsor.
How do I make an IRA qualified charitable distribution?
- Contact your IRA administrator and instruct that person to transfer funds to the charity you designate.
- If you’d like to make a QCD gift, your financial institution should make the check out to “Immigration Law & Justice Michigan” and identify you as the donor by name and address. They can mail the check to:
Immigration Law & Justice Michigan
222 Cass St.
Traverse City, MI 49684
How do I get acknowledged for my contribution?
- Help us credit your gift and thank you by having your IRA administrator include your full name and mailing address on the gift. Have your administrator note that the transfer is an IRA Qualified Charitable Distribution.
May I donate to a specific office location?
- If you’d like to designate the gift to one of our four sites, please let us know.
If you have additional questions, please contact Molly McFadden at email@example.com or (269) 218-1524.
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Learn more about our recent events, news and announcements
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