Q: I turn 70.5 years old in June of 2017. Can I still transfer funds directly from my retirement account to a charity and have that count for my Required Minimum Distribution?
A: Section 408(d) (8), was made permanent allowing for your Required Minimum Distribution to be paid directly to a qualified charity. Not only that, as the funds go directly from your retirement account to the charity, they are not included in your adjusted gross income for the year. You can transfer as much of your RMD to a qualified charity as you wish and you do not have to have any of the RMD amount paid directly to you if that is your wish.

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