Now and Later: Tax-Wise Giving from Your IRA

May 22, 2025 | Blog

Many Grace Christian University supporters choose to maximize their generosity and reduce their tax burden by giving from their individual retirement accounts, either now or later.

  1. Give now.
    If you are age 70½ or older, you have a unique and highly tax-efficient giving opportunity. You can contribute up to just over $100,000 (indexed annually for inflation) directly from your IRA through a qualified charitable distribution. This can count toward your required minimum distribution and lower your taxable income, all while supporting the mission of Grace to graduate courageous ambassadors for Christ.
  2. Give later.
    Leave a legacy of eternal impact. IRAs left to loved ones are considered taxable income. But when you name Grace Christian University as a beneficiary, your gift goes entirely to the university, tax-free, equipping future students to learn, grow, and serve for generations to come.

Whether you give now, later, or both, giving through your IRA is a wise way to steward your resources and invest in the ministry work happening at Grace.

To learn more, email Pete Tilden at ptilden@gracechristian.edu or call Pete Tilden at (616) 298-0771. 

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