With less than two months remaining in 2026, now is the time to help clients finalize their year-end charitable giving plans. Gifts involving appreciated stock, IRA qualified charitable distributions (QCDs), donor advised funds, or other complex assets often require additional coordination and processing time to ensure transactions are completed before December 31.
Important USPS Update
A recent USPS change could affect year-end gifts made by check. Mail sent from the Flathead Valley is typically postmarked when processed in Spokane, not when dropped off at a local post office. A check mailed December 31 may not be postmarked until January, potentially affecting its tax deductibility. Encourage clients to mail checks early or use alternative giving methods.
IRA distributions also deserve attention
Individuals age 70½ and older can make Qualified Charitable Distributions (QCDs) directly from their IRAs to eligible charities. For those required to take a minimum distribution (RMD) in 2026, a QCD can satisfy all or part of that requirement while excluding the qualifying amount from taxable income. QCDs must be completed by December 31, 2026, and cannot be made to donor advised funds.
If your clients are considering a year-end gift through Whitefish Community Foundation, please reach out early. We're happy to work alongside you to coordinate the charitable portion of their year-end planning and help ensure their gifts are completed on time.
Back to all articles
