hard · Certified Financial Planner Estate Planning

Ainsley, age 70, wants to make a Qualified Charitable Distribution (QCD) from her traditional IRA.

For 2026, what is the maximum amount Ainsley can transfer directly to a public charity while satisfying her Required Minimum Distribution (RMD)?

  1. $111,000
  2. The entire balance of the IRA, subject to a 60% AGI ceiling.
  3. $100,000
  4. $105,000

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