on the money by Christy Boysen Coulter IRA Gifts
Many of those whose lives have been shaped by camp want to give back but aren’t always sure how. By helping donors understand how to support your camp through their IRA at age 70½ or older, you’re offering them a practical, tax-smart way to offer support. A Qualified Charitable Distribution (QCD)
allows individuals to transfer funds directly from their IRA to your camp. Tis giſt can count toward their Required Minimum Distribution (RMD) but does not increase their taxable income. For many, it is the most tax-efficient way to give.
Supporting your camp through an IRA can
enable donors to make a more significant donation than they might otherwise be able to give.
Even if someone is not ready to give today or
they’re not yet 70½, naming your camp as a ben- eficiary of their IRA is a simple and powerful way to show their support. Pre-tax retirement assets are oſten heavily taxed when passed to heirs, making them one of the most impactful assets to give to a ministry.
Why this matters for your fundraising
• Unlocks larger gifts: Many donors hold more wealth in their retirement accounts than in cash. Supporting your camp through an IRA can enable them to make a more significant donation than they might otherwise be able to give.
• Reduces tax burdens: A QCD does not count as taxable income, which can lower a donor’s overall tax bill. Naming your camp as a beneficiary can also help avoid estate taxes on those assets.
• Simple to implement:Making a gift from an IRA is straightforward. Most adminis- trators allow donors to complete a short form or make the request online, making the process quick and accessible.
How to encourage IRA giving You don’t need to be a financial expert to help your supporters explore IRA giving. Your role is simply to raise awareness and make it easy for them to take the next step. You can do this by:
• Including a section on IRA giving in newsletters or appeal letters.
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www.ccca.org November/December 2025
Photo courtesy of Trout Creek Bible Camp
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