Donate your IRA QCD

IRA QCD

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Ever wondered what other ways you can donate to your local charities or to The Arc of the Quad Cities Area? One of the many ways is giving a qualified charitable donation (QCD) through your IRA account!

At the age of 70 1/2 years old, you can easily have funds directly deposited from your IRA custodian to an IRS-approved charity of your choice. This works with traditional IRAs, SEP IRAs, and SIMPLE IRAs. The main benefits of this are that the donated amount is excluded from your taxable income, unlike a regular IRA withdrawal, you get the tax benefit without needing to itemize deductions, and they count towards your required minimum distribution (RMD) if you’re 73 years or older. The maximum amount per person in 2025 is $108,000, this will be increasing to $118,000 in 2026.

QCDs will not increase adjusted gross income, meaning it will help mitigate tax on Social Security or surcharges on Medicare premiums.

The timing of your IRA withdrawals matter! The “First Dollar Out” rule states that the first IRA withdrawals in a year count towards the RMD. To maximize your tax benefits, you should submit QCDs before taking any taxable RMD withdrawals. A QCD must be fully processed by the charity before December 31st to count for that year; the earlier the withdrawal means avoiding year-end delays.

IRA QCD

Make sure to contact your IRA custodian to setup a QCD and that it is being recorded as such for tax purposes!

For more information, you can visit QC Community Foundation or contact Sarah Wright from The Arc of the Quad Cities Area at wrights@arcqca.org

MLK Food Drive

Individuals Deliver Food Drive Outcomes & Receive Aid from the community

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This year, people with disabilities banded together all across the Quad Cities to serve their community through the Quad City Disability Awareness Coalition. They collected food for the MLK Food Drive and delivered those items to local food pantries across the Quad Cities, giving back and supporting their community.

People with disabilities live on tight budgets and rely on support from SNAP Benefits and Medicaid to get by. Yet, they gladly give back to their community. Offering their help to make sure no one faces food insecurity alone.

The results of their efforts are in, and it is truly impressive the difference that individuals with disabilities can make when given the chance to give back to their community.

Check out the impressive numbers:

530 Families Served

21 Participating Drop-off Sites

62 Participating Volunteers

Serving 11 Local Food Pantries

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During the most recent government shutdown, people with disabilities served by The Arc were suddenly cut off from their SNAP benefits. This disruption meant that individuals who already live on limited incomes were left without the resources they rely on to meet one of the most basic human needs: food.

In response, The Arc stepped forward—immediately and without hesitation—to fill the gap. But because these emergency supports could not be reimbursed due to the lapse in federal funding, The Arc turned to the community for help. And the community answered.

Thanks to generous emergency support from United Way of the Quad Cities and the Quad Cities Community Foundation, The Arc was able to ensure that no one went hungry during the shutdown. These funds made it possible to purchase groceries, provide meals, and maintain the stable, supportive environments that the people we serve count on every single day.

Many individuals served by The Arc live on tight budgets, stretching every dollar to make ends meet. Yet, even with these challenges, they are active community members who give back through volunteerism, employment, and everyday acts of kindness. It is profoundly meaningful that the broader community reflects this same spirit of reciprocity, stepping in when people with disabilities face barriers that no one should have to face alone.

The support we received ensured that individuals maintained not only access to nutrition but also the dignity, security, and peace of mind they deserve. It is a powerful reminder that when we take care of one another, our entire community becomes stronger.

Thank you to the United Way of the Quad Cities Area and the Quad City Community Foundation for supporting people with disabilities!

Year-End Appeal

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As we approach the end of the year, we give thanks to all of those in our community that have donated or participated in The Arc’s mission this year! We wouldn’t have been able to do it without your care and support. While we still have some time left, we generously ask that if you are still wanting to contribute to our year-end appeal, that you can still give back to your community through a variety of our platforms. You can make a general donation through our website using the donation page, you can donate your vehicle, participate in our Amazon Wishlist Program, use Smile.Amazon.com and select The Arc of the Quad Cities Area as your charity, or sign up for the opportunity to be a volunteer.

Any and all support helps The Arc fulfill its mission of empowering people with disabilities to believe in their own unique abilities and achieve their full potential by providing quality, innovative services that focus on, advocacy, inclusion, independence, employment, meaningful community life, and personal happiness.

We look forward to seeing you all again next year, and wish everyone a safe and warm Holiday Season!

 

Year-End Appeal

Amazon Wishlist