Harvest Fund - QCD

Transform Your Required IRA Distributions into Powerful Kingdom Impact—Tax Free

Maximize your Giving power in Retirement with pre-tax dollars that renew every year

For retirees with IRAs, the CFA Harvest Fund offers a uniquely powerful way to support your favorite ministries while enjoying significant tax benefits—up to $216,000* in 2025! This specialized giving account allows you to make Qualified Charitable Distributions (QCDs) that work harder for both you and the causes you care about.

Triple Tax Benefits – Exclusively for Retirees 70½+

  • 1. You Significantly Reduce Your Taxable Income

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    Direct IRA funds to charity without counting as income
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    Satisfy your Required Minimum Distribution (RMD)
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    Potentially qualify for a lower tax bracket
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    Give up to $100,000 annually ($200,000 for couples)
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    Benefit without itemizing deductions

  • 2. Maximize Your Social Security Benefits

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    Keep your Adjusted Gross Income (AGI) lower
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    Potentially reduce taxes owed on Social Security benefits
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    Possibly avoid Medicare premium surcharges
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    Maintain eligibility for other income-based benefits
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    Optimize your retirement cash flow

  • 3. You'll Simplify Your Giving Process and Find More Joy

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    Support multiple charities from one account
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    We handle all distributions and paperwork
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    Receive consolidated reporting
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    Make changes whenever you wish
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    Enjoy concierge-level service

How It Works: Effortless Giving in 3 Simple Steps

  1. Direct Your Distribution
    Instruct your IRA administrator to transfer funds to your CFA Harvest Fund

  2. Select Your Charities
    Tell us which ministries and churches you want to support and designate how much/how often

  3. Enjoy the Benefits
    We handle all distributions, paperwork, and follow-up

The Harvest Fund is the perfect addition for retirees looking to make an impact, year after year…

Church Tithers

Pay your regular tithes with pre-tax dollars while CFA sends monthly gifts to your church in your name.

Multiple Ministry Supporters

Support several charities with one simple distribution while CFA handles all the paperwork.

Non-Itemizers

Receive full tax benefits from charitable giving even if you don't itemize deductions on your tax return.

Major Gift Givers

Make significant contributions to special campaigns or causes directly from your IRA rather than your bank account.

  • "The Harvest Fund has been a revelation. We support our church and favorite ministries with pre-tax dollars, reduced our taxable income, and CFA handles everything. It couldn't be simpler!"

    B. & W. Williams, Harvest Fund holders since 2022

FAQs

  • Anyone 70½ or older with an IRA account can open a Harvest Fund using Qualified Charitable Distributions.

  • Unlike DAFs, QCDs can be used to satisfy your Required Minimum Distribution while keeping the funds entirely out of your taxable income. Many members hold both types for maximum impact and flexibility.

  • Absolutely! Your Harvest Fund can support as many qualifying charities as you wish. Bear in mind that unlike DAFs, you must designate your charities at the outset and while changes can be made later, they are much more restricted so most suitable for charities you have a lifelong interest in supporting.

Ready to Harvest Tax-Free Giving Benefits?

Download our comprehensive Harvest Fund Guide to learn:

  • How to set up your fund with your IRA administrator

  • The tax advantages specific to your situation

  • Ways to optimize your Required Minimum Distribution

  • How to support multiple charities seamlessly

  • Planning strategies for ongoing giving

Got Questions?

We offer more ways to give than we can list here. So perhaps a call is a good next step for us. If you have questions or just want to get acquainted, click to call us now on mobile.