How to Make an Impact with an IRA Charitable Donation

By Community Impact Team

As the year comes to an end, many generous community members begin thinking about how they can make the greatest impact with their charitable giving. If supporting families across Utah, Wasatch and Summit Counties is part of your year-end plan, using your IRA to give to Community Action Services and Food Bank is one of the most meaningful ways to do this, while maximizing your financial planning.  

Your IRA charitable donations allow you to align your financial planning with the values you care about most. Whether you’ve given this way before or are considering it for the first time, IRA giving is a powerful tool that helps ensure local families have access to food, housing stability, and long-term support here in Utah. Especially during the winter months when needs are highest. 

Why should you donate from your IRA  

An IRA charitable donation also known as a Qualified Charitable Distribution (QCD) allows individuals age 70½ or older to donate up to $105,000 per year directly from their IRA to an eligible nonprofit like Community Action Services and Food Bank. 

Because the donation goes straight from your IRA to the charity: 

• It does not count as taxable income 

• It can satisfy all or part of your Required Minimum Distribution (RMD) 

• You still get the joy and impact of giving, without increasing your tax burden 

This makes IRA donations a smart end-of-year giving strategy for many retirees and financial planners. If you’re unsure whether you qualify, we encourage you to talk with your financial advisor or IRA custodian and they can help you set up your QCD easily. 

How to make an IRA donation to Community Action Services and Food Bank?

Making a QCD is simple and usually takes just a few minutes: 

1. Contact your IRA custodian(Such as Fidelity, Schwab or Vanguard)
   Ask them to send a Qualified Charitable Distribution directly to Community Action Services and Food Bank. 

1. Provide our legal information:
   Community Action Services and Food Bank
   Address: 815 S Freedom Blvd Suite 100 

EIN#: 87-0491952 

1. Notify us of your gift.
   This helps ensure we acknowledge your donation quickly and accurately. Call 801-373-8200 or email us casfb@casfb.org

1. Confirm the distribution before December 31 
   To count toward this year’s RMD and taxes, your QCD must be completed by the end of the calendar year. 

You IRA gifts support our local programs such as: 

• Food Pantries providing fresh, nutritious food to families in need  

• Housing Services that help stabilize families facing homelessness 

• Circles Program helping families move out of intergenerational poverty 

• Community Gardens bringing neighbors together to grow fresh produce 

• Financial Literacy and Homebuyer education classes for community members 

As we close out 2025, we are deeply grateful for donors who choose to invest in hope, stability and community resilience. Your generosity through IRA charitable giving, helps ensure that no neighbor has to face hunger or crisis alone, while potentially providing tax benefits for YOU. 

IRA/QCD distributions do not always include donor contact information when the checks are sent directly from the plan administrator.  To ensure prompt and appropriate gift acknowledgement connect with our donor relations specialist Cynthia Munoz cynthiam@casfb.org

Together, we can end 2025 with impact and begin 2026 with hope.