Unlocking the Power of Your IRA

For many of us, supporting the land and people of Israel through Jewish National Fund is a lifelong commitment. Today, innovative giving strategies allow you to make a meaningful impact while enjoying significant financial benefits. One of the most powerful tools available is the Qualified Charitable Distribution (QCD) from your IRA—especially when combined with a Charitable Gift Annuity (CGA) through Jewish National Fund.

A QCD is a direct transfer of funds from your IRA to a qualified charity like Jewish National Fund. If you are 70½ or older, you can make tax-free gifts from your IRA. This strategy is particularly valuable because it:

• Satisfies Required Minimum Distributions (RMDs): Starting at age 73, the IRS requires you to withdraw a minimum amount annually from your IRA. A QCD counts toward your RMD without increasing taxable income.
• Reduces Taxable Income: Unlike regular IRA withdrawals, QCDs are excluded from adjusted gross income, which may lower your tax bracket, reduce taxes on Social Security, and help decrease Medicare premiums. In 2026, you can contribute up to $111,000 through QCDs. A married couple can each donate $111,000 for a total of $222,000!
• Supports Your Values: Your gift directly strengthens Jewish National Fund’s mission to support the land and people of Israel.

Recent tax law changes now allow you to use your IRA to fund a Jewish National Fund Charitable Gift Annuity (CGA) through a QCD. Here’s why this is a game-changer:

• Lifetime Income: A JNF QCD Legacy CGA provides fixed income payments for life for you (and/or your spouse), with rates up to 10.1% depending on age. (Rates are subject to change and may not be available in all states.)
• Tax Advantages: Because it is not counted as ordinary income and it satisfies your RMD, a QCD gift offers substantial tax savings even though it does not generate a charitable deduction.
• Special Limits: In your annual QCD limits, $55,000 is eligible for a QCD Legacy CGA. Married couples can combine for even higher limits. The QCD Legacy CGA option is available once in your lifetime.

Your IRA QCD helps Jewish National Fund continue critical rebuilding and economic relief efforts in southern and northern Israel following the October 7 attacks. The fighting may have ceased, but Jewish National Fund’s work on the ground continues.

For details on how you can make this tax-smart gift work for you and for a personalized illustration, contact a Jewish National Fund Planned Giving Professional at jnflegacy.org or call 800-562-7526