IMPORTANT TAX BENEFIT —  Have you reached that golden IRS age of     70 ½? If so, then you can donate directly to Holy Spirit from your taxable IRA with a Qualified Charitable Distribution (QCD). Just direct your IRA custodian to distribute via direct check to Lutheran Church of the Holy Spirit.

· Currently the maximum annual QCD amount any individual can make in total is $105,000 (index adjusted annually).

· This direct contribution satisfies any RMD (Required Minimum Distribution) you may be subject to.

· This distribution is not included in your Adjusted Gross Income for the year and thus will not be taxable income.

· This amount will not count against your IRMAA (income related monthly adjustment amount for Medicare).

You may already have a checkbook for your taxable IRA account for making such charitable contributions