Tax Law (Questions About Taxes)/IRA and donation


John:  Perhaps I got this wrong, but somebody told me that if you take a distribution from a traditional IRA, but you have the custodian send the funds directly to a charity, then you can avoid having it appear on page one of the 1040 and you don't need to claim a charitable donation on Schedule A.  The net effect would be the same, but the benefit is that the distribution would not cause your social security to become taxable.  What do you say?  Thanks.  Larry


Thanks for your question.

You have it correct, no income shown and no charitable contribution deduction.  There are some other important factors,though. 1.  It can count toward your RMD for the year. 2. You must be over age 70 1/2.  3. It must be done before Dec 31 as that provision expires at the end of this year.

Hope this helps.

John Stancil, CPA

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John Stancil, CPA


I can answer questions on personal income taxes, partnerships, and some corporate income taxes. I can deal with some state tax questions. Limited gift and estate tax questions. I am also familiar with ministerial and church tax reporting issues. I am Professor Emeritus at Florida Southern College. Sales taxes and property taxes are state and local issues so I am not likely be be able to give you an in depth answer on those types of taxes. I have maintained a CPA practice, specializing in tax, for over 35 years. I am a member of the National Association of Tax Professionals, The Florida Insititute of CPA's, The NCPE Fellowship. In addition I am a Certified Mentor for SCORE. Visit my website at I also offer seminars and consultations to churches and clergy on their tax issues at Also visit my blog, I am listed on Tax Connections at Prepare and file your own taxes at


I hold a doctorate in Accounting, and am a CPA. My certifications of CIA, CFM, and CMA are inactive. I passed all certification examinations on the first attempt, and received honorable mention for my scores on the CIA exam. I have operated a CPA firm for over 37 years and have taught accounting and tax at the college level for over 35 years.

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