On 5/11/2021 11:17 PM, DerbyDad03 wrote:
On Tuesday, May 11, 2021 at 8:58:40 PM UTC-4, dpb wrote:
....

It's especially easy if your IRA is set up with check-writing
privileges-- you can write the check yourself rather than have the
holder of the IRA do it for you.

Sure, you can write the check, but you better have cash in your IRA or
the ability to raise cash on your own. Some firms allow client trading
in IRA's, some don't.

Well, if you are one who doesn't keep track of and ensure the cash is
where you want it, then yes, Virginia, this option is probably not for
you...

The main drawback is the inability to control when the cash is withdrawn.
The distribution doesn't happen until the "personal" check is deposited by
the charity. If the custodian issues the check, the distribution occurs on
the day the check is issued.

Worst case is you decide to do a QCD as your RMD late in the year and the
charity holds your check until January. Technically you would be on the hook
for a IRS penalty of 50% of the RMD because you never really took your RMD
for the previous year. You could probably get out of it, but it would take some
work. I'm just saying that letting the custodian issue the check eliminates that
issue.
....

Find a better-managed charity to which to donate and/or don't wait until
the last minute...

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