Giving from Your 401k or IRA Retirement Plan
Leave family the balance of savings and checking accounts, and donate double-taxed assets like IRAs to us.
You've worked hard and planned for retirement. Now, with a little creativity, you can leverage your retirement assets to benefit you and your family, reduce federal taxes, and support American Rivers far into the future.
How It Works
- Name American Rivers as a beneficiary of your IRA, 401(k), or other qualified retirement plan.
- Pass the balance of your retirement assets to American Rivers by contacting your plan administrator.
- Important! Tell American Rivers about your gift. Your plan administrator is not obligated to notify us, so if you don't tell us, we may not know.
70 ½ or older? Make a “Tax-Free” Gift Through Your IRA
- Qualified Charitable Distribution (IRA Rollover)
Note: The SECURE Act increased the MRD (Minimum Required Distribution) age from 70½ to 73. The age for a Qualified Charitable Distribution (QCD), however, still remains at 70½.
Benefits
- Continue to take regular lifetime withdrawals.
- Maintain flexibility to change beneficiaries if your family's needs change during your lifetime.
- Your heirs avoid the potential double taxation on the assets left in your retirement account.
Next
- More detail on retirement plans.
- Frequently asked questions on retirement plans.
- Have you drafted your will? Create yours online, for free.
- Contact us so we can assist you through every step.
Explore More Gift Options
Will or Trust →
You can plan a gift that will not affect your cash flow.
Appreciated Securities →
Take advantage of appreciated securities, avoid tax.
Life Insurance →
Make a significant gift, no matter the size of your estate.
Retirement Plan →
Donate double-taxed assets and leave more to family.
Real Estate →
Donate a valuable asset, receive powerful tax benefits.
Personal Property →
Donate personal property, receive signifcant tax benefits.
Donor-Advised Fund →
Make a gift from your DAF, or name us a beneficiary.
Mineral Rights →
Gift mineral rights and receive a tax deduction.
Contact Us
Planning your estate and legacy for future generations, including your charitable interests, takes careful evaluation. Consulting with the appropriate professionals can assist you.