IRA Giving

If you’re age 70½ or older and have a traditional IRA, there’s a powerful way you can support the Missoula Children’s Theatre — and it may offer you meaningful tax benefits at the same time.

It’s called a Qualified Charitable Distribution, or QCD, and it allows you to make a donation directly from your IRA to a qualified nonprofit like MCT. If you’re subject to Required Minimum Distributions (RMDs) — which begin at age 73 — a QCD can satisfy all or part of that annual requirement without increasing your taxable income.

Keep reading below to learn more about how
to make this kind of tax-friendly donation.

Why consider a QCD?

Tax savings – The distribution is excluded from your taxable income.
No need to itemize – You can still take advantage even if you don’t itemize deductions.
Helps fulfill your RMD – If you must withdraw funds, why not use them to support a cause you love?

Key Details

You must be 70½ or older to make a QCD.
The donation must come directly from your IRA custodian to the Missoula Children’s Theatre.
You can give up to $105,000 in 2025, and that amount won’t count toward your income.
The gift must be completed by December 31 to count for the current tax year.

How to Give

1.) Contact your IRA custodian (e.g., Fidelity, Vanguard, Schwab) and request a Qualified Charitable Distribution to:

Missoula Children’s Theatre
200 N. Adams St.
Missoula, MT 59802
Tax ID: 81-0332120

2.) Please let us know if you plan to make a QCD so we can ensure your gift is properly acknowledged and receipted.

Your generosity fuels the imagination of thousands of children across Montana and around the world. With a QCD gift from your IRA, you can keep the magic alive — while making a tax-smart financial decision.

Thank you for considering this special way to support the performing arts and our mission.

Questions? Please contact Carlyn Schulzke at cschulzke@MCTinc.org or (406) 829-5219.