{"type":"rich","version":"1.0","provider_name":"Transistor","provider_url":"https://transistor.fm","author_name":"Freedom for Retirement™","title":"Writing a Check to Charity Got More Expensive in 2026","html":"","width":"100%","height":180,"duration":831,"description":"Two changes to the charitable deduction take effect in 2026, and a qualified charitable distribution from your IRA sidesteps both of them.\n\nStarting in 2026, itemized charitable gifts only count once they exceed half a percent of adjusted gross income, and the top value of any itemized deduction falls from 37 cents on the dollar to 35 cents. Required distributions push a retiree’s income higher every year, so the people who give the most absorb the biggest hit. Josh Duncan, partner at F5 Financial Planning, a fee-only fiduciary firm, walks through the change and the one strategy that bypasses it entirely.\n\nThis episode covers:\nWhy depositing your RMD and then writing a check does not qualify\nWhat the 2026 limit is per person and which accounts are eligible\nHow giving from your IRA can also lower your Medicare premiums\nWhether the strategy still helps when you take the standard deduction\nWhen to call your custodian so the transfer counts this year\nThe right structure, not just the right amount, determines how much of your generosity the tax code lets you keep.\n\n👉 Work with us at https://www.f5fp.com\n\nAbout F5 Financial Planning:\n\nAt F5 Financial Planning, we help individuals and families align their finances with what matters most so they can live lives of Freedom and Significance. We are a fee-only, fiduciary financial planning and investment management firm, meaning we don’t earn commissions or sell products — our only commitment is to our clients’ best interests. We provide comprehensive financial planning, investment management, tax-efficient strategies, and retirement planning for families, corporate executives, and entrepreneurs. Our team serves clients nationwide through virtual meetings and from offices in Illinois, Georgia and Florida.\n\nAt F5, our goal is simple: to help you gain confidence, clarity, and control over your financial future so you can focus on the people and passions that matter most. \n\nVisit https://www.f5fp.com to learn more about our...","thumbnail_url":"https://img.transistorcdn.com/OMhHymyiKvGNkP8t54gkQ7TzI2XINLOZKfM_8kC6oG8/rs:fill:0:0:1/w:400/h:400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS8zMmQ1/YjllNTViYjQxODFh/ZjM5NjgyZDFmMzkx/MDYyNy5wbmc.webp","thumbnail_width":300,"thumbnail_height":300}