Planned Giving

Come Change Lives with Us

Our supporters are people with passion – for serving others and strengthening our community. We are committed to helping you bring that passion to life. By including Jewish Family Service of San Diego in your legacy plans, you will enable us to broaden and deepen our commitment to meeting people where they are and providing services that uplift and empower.

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Make a Gift From My IRA

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IRA Charitable Rollover

Jewish Family Service of San Diego is committed to helping you bring your passion of serving others and strengthening our community to life.

If you are at least 70½ years of age, you are eligible to make a gift from your IRA directly to a charitable organization. This is often referred to as an IRA charitable rollover or a qualified charitable distribution (QCD). The annual limit on QCDs is now indexed for inflation, and in 2024 you can transfer up to $105,000 from your IRA to a charitable organization.

IRA Charitable Rollover
IRA (Custodian)
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What is a required minimum distribution (RMD)?

For anyone with a pre-tax retirement account, such as an IRA or 401(k), at a certain age, you are required to withdraw each year. This withdrawal is called a required minimum distribution (RMD) and the amount you are required to withdraw depends on factors such as your marital status, age, and life expectancy.

  • Beginning in 2023 you won't have to make an RMD until you are 73 years of age, and in 2033, the age increases to 75 years of age.
  • If you have a spouse who is 70½ or older, they can also give any amount up to $105,000 from their IRA.
  • Making a gift to Jewish Family Service of San Diego can help satisfy part or all of your RMD. This means your gift won't count as income and could help reduce your Medicare premium and decrease the amount of Social Security income that is subject to tax.

Benefits of an IRA Charitable Rollover Gift

  • Help provide critical services — from food assistance and transportation, to counseling and career coaching to individuals and families on our community.
  • Pay no income taxes on your gift.
  • Reduce your taxable income, even if you do not itemize deductions.
  • Satisfy all or part your RMD for the year.

Plan for the Future

  • Continue your support of Jewish Family Service of San Diego by naming us as a partial or full beneficiary of your retirement account. This is called a beneficiary designation and can be completed through your account administrator.

Let us Help

  • Use the "Make a Gift From My IRA" tool located on this page to contact your IRA custodian.
  • Speak with someone today about how support through your IRA can help create a stronger and healthier community where everyone can thrive.

Contact us

If you have any questions about making a gift from your IRA or assigning Jewish Family Service of San Diego as a beneficiary or your retirement account, please contact us us.

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