A QCD is a direct transfer of funds from an IRA to an eligible charitable organization. To be clear, QCDs can be made only out of IRAs. If you have your savings in a 401(k) plan, you'll need to roll ...

For some people, retiring with a large balance in a traditional individual retirement account (IRA) or 401(k) can be a bit of a problem. If you don't need the money, too bad -- you'll eventually be ...