Gifts from a Retirement Account

A Tax-Smart Strategy

Additional Resources

Why Give Through Your IRA?

  1. You get to keep more of what you earned! A Qualified Charitable Distribution (QCD) is a direct transfer of funds from your IRA to Highland Christian School.Because money leaving your IRA via a QCD is not considered a taxable distribution, this option eliminates income tax that you would have otherwise owed on a regular withdrawal.*
  2. QCD's count toward the Required Minimum Distribution (RMD) you must withdraw from your IRA once you reach age 73.  You can give up to $111,000 in 2026.

  3. If you name Highland Christian School as the beneficiary of a traditional IRA, your IRA becomes a 100% tax-free gift! When an individual inherits retirement funds, the gift is treated as income, creating a costly, taxable event.  However, when you leave your IRA to Highland Christian School, you eliminate the tax bill, provide meaningful Kingdom support, and leave other more tax-efficient gifts to your loved ones.

*Please note:  A QCD doesn't qualify for a charitable deduction, because the gift is already tax-free.

How to Make an IRA Gift

To make a qualified charitable distribution:  Simply contact your IRA Provider, and ask that they send a specific amount directly to Highland Christian School.  Your provider will arrange the transfer and distribute the gift directly to our account.

Here's the information they will need:

  • Name: Association for Christian Instruction (d/b/a Highland Christian School)
  • Federal Tax I (EIN):  35-0898393
  • Mailing Address: 3040 Ridge Rd, Highland, IN 46322
  • Purpose (optional):  e.g., "Where needed most" or a specific impact area

 

To name Highland Christian School as the beneficiary on your account, contact your plan provider and complete the appropriate beneficiary designation form.

 

Questions?

We'd love to talk with you about your giving goals, in confidence and without obligation. Whether you're ready to make an IRA Gift or still have questions, we're here, at your convenience.

Jodi Lineburg
Development Director
219-838-0356
[email protected]

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