{"id":5289,"date":"2026-06-18T07:51:05","date_gmt":"2026-06-18T07:51:05","guid":{"rendered":"https:\/\/hcfm.org\/es\/donacionesplanificadas\/dando-opciones\/the-ira-gift-qcd\/"},"modified":"2026-07-21T06:08:01","modified_gmt":"2026-07-21T06:08:01","slug":"el-regalo-ira-qcd","status":"publish","type":"page","link":"https:\/\/hcfm.org\/es\/donacionesplanificadas\/dando-opciones\/el-regalo-ira-qcd\/","title":{"rendered":"El regalo IRA (QCD)"},"content":{"rendered":"<style>@media(max-width:1024px){.cbmi-d0dd36c0{min-height:55vh !important;}.cbmi-d0dd36c0.is-fit-object .wp-block-cover__image-background{object-fit:contain;object-position: 50% 100% !important;}}@media(max-width:767px){.cbmi-d0dd36c0{min-height:55vh !important;}.cbmi-d0dd36c0.is-fit-object .wp-block-cover__image-background{object-fit:contain;object-position: 50% 100% !important;}}<\/style>\n<div class=\"wp-block-cover has-base-color has-text-color has-link-color wp-elements-1 cbmi-d0dd36c0\" style=\"margin-top:0px;margin-bottom:0px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;min-height:70vh;aspect-ratio:unset;\"><img data-recalc-dims=\"1\" decoding=\"async\" class=\"wp-block-cover__image-background wp-image-6621 size-full\" alt=\"\" src=\"https:\/\/i0.wp.com\/hcfm.org\/wp-content\/uploads\/2026\/06\/Planned-Giving.jpg?ssl=1\" data-object-fit=\"cover\"\/ data-desktop=\"https:\/\/hcfm.org\/wp-content\/uploads\/2026\/06\/Planned-Giving.jpg\"><span aria-hidden=\"true\" class=\"wp-block-cover__background has-contrast-background-color has-background-dim\"><\/span><div class=\"wp-block-cover__inner-container is-layout-constrained wp-container-core-cover-is-layout-b12131f3 wp-block-cover-is-layout-constrained\">\n<div class=\"wp-block-group is-layout-constrained wp-container-core-group-is-layout-6820f5d6 wp-block-group-is-layout-constrained\" style=\"margin-top:0px;margin-bottom:0px;padding-top:8.44rem;padding-right:0rem;padding-bottom:2.5rem;padding-left:0rem\">\n<h1 class=\"wp-block-heading has-text-align-center animated fadeInUp slow has-whitney-font-family is-heading-wave-line is-wave-line-width-100 is-wave-line-primary is-wave-align-left\" style=\"margin-bottom:1rem;text-transform:capitalize\">Donaci\u00f3n Planificada<\/h1>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group alignfull max-781:!mt-5 max-781:!mb-5 is-layout-constrained wp-container-core-group-is-layout-8ec45f02 wp-block-group-is-layout-constrained\" style=\"margin-top:0rem;margin-bottom:0rem;padding-top:3.75rem;padding-right:1.25rem;padding-bottom:3.75rem;padding-left:1.25rem\">\n<div class=\"wp-block-columns are-vertically-aligned-top columns-layout is-layout-flex wp-container-core-columns-is-layout-6f9e0450 wp-block-columns-is-layout-flex\" style=\"margin-top:0px;margin-bottom:0px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px\">\n<div class=\"wp-block-column is-vertically-aligned-top text-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:70%\">\n<h2 class=\"wp-block-heading has-text-align-left animated fadeInUp slow has-tertiary-color has-text-color has-link-color has-whitney-font-family has-x-large-font-size is-heading-wave-line is-wave-line-width-100 is-wave-line-primary is-wave-align-left wp-elements-2\" style=\"padding-top:0rem;padding-right:0rem;padding-bottom:1.25rem;padding-left:0rem;font-style:normal;font-weight:600;text-transform:capitalize\">Donaci\u00f3n desde una IRA (QCD)<\/h2>\n\n\n\n<p class=\"animated fadeInUp delay-100ms slow has-x-medium-font-size wp-block-paragraph\" style=\"margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;padding-top:0rem;padding-right:0rem;padding-bottom:1rem;padding-left:0rem\">Su Cuenta Individual para el Retiro (IRA) puede ser una forma fiscalmente eficiente de apoyar a Holy Cross Family Ministries desde ahora. La Distribuci\u00f3n Ben\u00e9fica Calificada (QCD, por sus siglas en ingl\u00e9s), tambi\u00e9n conocida como \u00abIRA Charitable Rollover\u00bb, le permite realizar una donaci\u00f3n libre de impuestos a Holy Cross Family Ministries y, al mismo tiempo, cumplir con su Distribuci\u00f3n M\u00ednima Requerida (RMD, por sus siglas en ingl\u00e9s).<\/p>\n\n\n\n<div class=\"wp-block-group has-primary-to-secondary-gradient-background has-background is-layout-constrained wp-container-core-group-is-layout-81ed83c8 wp-block-group-is-layout-constrained\" style=\"border-top-left-radius:1.25rem;border-top-right-radius:1.25rem;border-bottom-left-radius:1.25rem;border-bottom-right-radius:1.25rem;margin-top:0px;margin-bottom:1.25rem;padding-top:1.25rem;padding-right:1.25rem;padding-bottom:1.25rem;padding-left:1.25rem\">\n<h2 class=\"wp-block-heading has-text-align-left animated fadeInUp slow has-base-color has-text-color has-link-color has-whitney-font-family has-x-medium-font-size is-heading-wave-line is-wave-line-width-100 is-wave-line-primary is-wave-align-left wp-elements-3\" style=\"padding-top:0rem;padding-right:0rem;padding-bottom:1.25rem;padding-left:0rem;font-style:normal;font-weight:600;text-transform:capitalize\">Cont\u00e1ctenos<\/h2>\n\n\n\n<p class=\"animated fadeInUp delay-100ms slow has-base-color has-text-color has-link-color has-x-medium-font-size wp-elements-4 wp-block-paragraph\"><a href=\"https:\/\/hcfm.org\/es\/donacionesplanificadas\/contactanos\/\" data-type=\"link\" data-id=\"https:\/\/hcfm.org\/es\/donacionesplanificadas\/contactanos\/\">Oficina de Desarrollo Institucional \u00bb<\/a><\/p>\n\n\n\n<p class=\"animated fadeInUp delay-100ms slow has-base-color has-text-color has-link-color has-x-medium-font-size wp-elements-5 wp-block-paragraph\"><a type=\"tel\" href=\"tel:508-238-4095\" id=\"tel:508-238-4095\">Llame al 508-238-4095<\/a><\/p>\n<\/div>\n\n\n\n<p class=\"animated fadeInUp delay-100ms slow has-x-medium-font-size wp-block-paragraph\" style=\"margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;padding-top:0rem;padding-right:0rem;padding-bottom:1rem;padding-left:0rem\"><strong><strong>\u00bfC\u00f3mo Califico?<\/strong><\/strong><\/p>\n\n\n\n<p class=\"animated fadeInUp delay-100ms slow has-x-medium-font-size wp-block-paragraph\" style=\"margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;padding-top:0rem;padding-right:0rem;padding-bottom:1rem;padding-left:0rem\">La Distribuci\u00f3n Ben\u00e9fica Calificada (QCD, por sus siglas en ingl\u00e9s) ofrece m\u00faltiples beneficios para realizar donaciones desde su Cuenta Individual para el Retiro (IRA).<\/p>\n\n\n\n<ul class=\"wp-block-list animated fadeInUp delay-200ms slow\">\n<li class=\"has-x-medium-font-size\" style=\"margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;padding-top:0rem;padding-right:0rem;padding-bottom:0.38rem;padding-left:0rem\">Debe tener 70\u00bd a\u00f1os o m\u00e1s al momento de realizar la donaci\u00f3n.<\/li>\n\n\n\n<li class=\"has-x-medium-font-size\" style=\"margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;padding-top:0rem;padding-right:0rem;padding-bottom:0.38rem;padding-left:0rem\">La donaci\u00f3n debe transferirse directamente de su IRA a Holy Cross Family Ministries.<\/li>\n\n\n\n<li class=\"has-x-medium-font-size\" style=\"margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;padding-top:0rem;padding-right:0rem;padding-bottom:0.38rem;padding-left:0rem\">Para 2026, el monto total de las donaciones mediante QCD no puede exceder los $111,000 USD por donante.<\/li>\n<\/ul>\n\n\n\n<p class=\"animated fadeInUp delay-100ms slow has-x-medium-font-size wp-block-paragraph\" style=\"margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;padding-top:0rem;padding-right:0rem;padding-bottom:1rem;padding-left:0rem\"><strong>Beneficios de la Distribuci\u00f3n Ben\u00e9fica Calificada<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list animated fadeInUp delay-200ms slow\">\n<li class=\"has-x-medium-font-size\" style=\"margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;padding-top:0rem;padding-right:0rem;padding-bottom:0.38rem;padding-left:0rem\">Si no detalla sus deducciones fiscales, una QCD le permite obtener beneficios fiscales similares a los de una deducci\u00f3n por donativos caritativos.<\/li>\n\n\n\n<li class=\"has-x-medium-font-size\" style=\"margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;padding-top:0rem;padding-right:0rem;padding-bottom:0.38rem;padding-left:0rem\">Si tiene 73 a\u00f1os o m\u00e1s y debe realizar una Distribuci\u00f3n M\u00ednima Requerida (RMD, por sus siglas en ingl\u00e9s), una QCD puede cumplir con ese requisito sin incrementar su ingreso gravable.<\/li>\n\n\n\n<li class=\"has-x-medium-font-size\" style=\"margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;padding-top:0rem;padding-right:0rem;padding-bottom:0.38rem;padding-left:0rem\">Puede destinar su donaci\u00f3n al programa o \u00e1rea de Holy Cross Family Ministries que usted elija.<\/li>\n\n\n\n<li class=\"has-x-medium-font-size\" style=\"margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;padding-top:0rem;padding-right:0rem;padding-bottom:0.38rem;padding-left:0rem\">Es una excelente manera de generar un impacto inmediato en la misi\u00f3n de Holy Cross Family Ministries.<\/li>\n<\/ul>\n\n\n\n<p class=\"animated fadeInUp delay-100ms slow has-x-medium-font-size wp-block-paragraph\" style=\"margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;padding-top:0rem;padding-right:0rem;padding-bottom:1rem;padding-left:0rem\"><strong>\u00bfC\u00f3mo puedo realizar una Distribuci\u00f3n Ben\u00e9fica Calificada (QCD)?<\/strong><\/p>\n\n\n\n<p class=\"animated fadeInUp delay-100ms slow has-x-medium-font-size wp-block-paragraph\" style=\"margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;padding-top:0rem;padding-right:0rem;padding-bottom:1rem;padding-left:0rem\">Comun\u00edquese con el administrador de su IRA para solicitar una Distribuci\u00f3n Ben\u00e9fica Calificada (QCD) desde su Cuenta Individual para el Retiro (IRA) a favor de Holy Cross Family Ministries.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-top columns-layout__left-col has-primary-to-secondary-gradient-background has-background is-layout-flow wp-container-core-column-is-layout-b9178209 wp-block-column-is-layout-flow\" style=\"border-radius:1.25rem;padding-top:1.5rem;padding-right:1.5rem;padding-bottom:1.5rem;padding-left:1.5rem;flex-basis:30%\">\n<div class=\"wp-block-buttons animated fadeInUp delay-100ms slow is-layout-flex wp-block-buttons-is-layout-flex\" style=\"margin-top:0rem;margin-bottom:0.5rem\">\n<div class=\"wp-block-button is-style-link-style\"><a class=\"wp-block-button__link has-base-color has-text-color has-link-color wp-element-button\" href=\"https:\/\/hcfm.org\/es\/donacionesplanificadas\/\">Desarrollo Institucional<\/a><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons animated fadeInUp delay-100ms slow is-layout-flex wp-block-buttons-is-layout-flex\" style=\"margin-top:0rem;margin-bottom:0.5rem\">\n<div class=\"wp-block-button is-style-link-style\"><a class=\"wp-block-button__link has-base-color has-text-color has-link-color wp-element-button\" href=\"https:\/\/hcfm.org\/es\/donacionesplanificadas\/por-que-dar\/\">\u00bfPor qu\u00e9 Donar?<\/a><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons animated fadeInUp delay-200ms slow is-layout-flex wp-block-buttons-is-layout-flex\" style=\"margin-top:0rem;margin-bottom:0.5rem\">\n<div class=\"wp-block-button is-style-link-style\"><a class=\"wp-block-button__link has-base-color has-text-color has-link-color wp-element-button\" href=\"https:\/\/hcfm.org\/es\/donacionesplanificadas\/planifica-tu-legado\/\">Planifica su Legado<\/a><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons animated fadeInUp o-anim-custom-delay o-anim-value-delay-600ms slow is-layout-flex wp-block-buttons-is-layout-flex\" style=\"margin-top:0rem;margin-bottom:0.5rem\">\n<div class=\"wp-block-button is-style-link-style\"><a class=\"wp-block-button__link has-base-color has-text-color has-link-color wp-element-button\" href=\"https:\/\/hcfm.org\/es\/donacionesplanificadas\/dando-opciones\/\">Opciones de Donaci\u00f3n<\/a><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons animated fadeInUp o-anim-custom-delay o-anim-value-delay-600ms slow is-layout-flex wp-block-buttons-is-layout-flex\" style=\"margin-top:0rem;margin-bottom:0.5rem;padding-left:1.13rem\">\n<div class=\"wp-block-button is-style-link-style\"><a class=\"wp-block-button__link has-base-color has-text-color has-link-color wp-element-button\" href=\"https:\/\/hcfm.org\/es\/donacionesplanificadas\/dando-opciones\/regalos-por-testamento-o-fideicomiso\/\">Donaciones mediante Testamento o Fideicomiso<\/a><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons animated fadeInUp o-anim-custom-delay o-anim-value-delay-600ms slow is-layout-flex wp-block-buttons-is-layout-flex\" style=\"margin-top:0rem;margin-bottom:0.5rem;padding-left:1.13rem\">\n<div class=\"wp-block-button is-style-link-style\"><a class=\"wp-block-button__link has-base-color has-text-color has-link-color wp-element-button\" href=\"https:\/\/hcfm.org\/es\/donacionesplanificadas\/dando-opciones\/nombrandonos-en-tus-activos\/\">Nombrarnos como beneficiarios de sus bienes<\/a><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons animated fadeInUp o-anim-custom-delay o-anim-value-delay-600ms slow is-layout-flex wp-block-buttons-is-layout-flex\" style=\"margin-top:0rem;margin-bottom:0.5rem;padding-left:1.13rem\">\n<div class=\"wp-block-button is-style-link-style\"><a class=\"wp-block-button__link has-base-color has-text-color has-link-color wp-element-button\" href=\"https:\/\/hcfm.org\/es\/donacionesplanificadas\/dando-opciones\/el-regalo-ira-qcd\/\">Donaci\u00f3n desde una IRA (QCD)<\/a><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons animated fadeInUp o-anim-custom-delay o-anim-value-delay-600ms slow is-layout-flex wp-block-buttons-is-layout-flex\" style=\"margin-top:0rem;margin-bottom:0.5rem\">\n<div class=\"wp-block-button is-style-link-style\"><a class=\"wp-block-button__link has-base-color has-text-color has-link-color wp-element-button\" href=\"https:\/\/hcfm.org\/es\/donacionesplanificadas\/lo-que-puedes-dar\/\">\u00bfQu\u00e9 puede donar?<\/a><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons animated fadeInUp o-anim-custom-delay o-anim-value-delay-600ms slow is-layout-flex wp-block-buttons-is-layout-flex\" style=\"margin-top:0rem;margin-bottom:0.5rem\">\n<div class=\"wp-block-button is-style-link-style\"><a class=\"wp-block-button__link has-base-color has-text-color has-link-color wp-element-button\" href=\"https:\/\/hcfm.org\/es\/donacionesplanificadas\/recursos\/\">Recursos<\/a><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons animated fadeInUp o-anim-custom-delay o-anim-value-delay-600ms slow is-layout-flex wp-block-buttons-is-layout-flex\" style=\"margin-top:0rem;margin-bottom:0.5rem\">\n<div class=\"wp-block-button is-style-link-style\"><a class=\"wp-block-button__link has-base-color has-text-color has-link-color wp-element-button\" href=\"https:\/\/hcfm.org\/es\/donacionesplanificadas\/contactanos\/\">Cont\u00e1ctanos<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Donaci\u00f3n desde una IRA (QCD) Su Cuenta Individual para el Retiro (IRA) puede ser una forma fiscalmente eficiente de apoyar a Holy Cross Family Ministries desde ahora. La Distribuci\u00f3n Ben\u00e9fica Calificada (QCD, por sus siglas en ingl\u00e9s), tambi\u00e9n conocida como \u00abIRA Charitable Rollover\u00bb, le permite realizar una donaci\u00f3n libre de impuestos a Holy Cross Family [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":5282,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"editor_notices":[],"footnotes":""},"class_list":["post-5289","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>El regalo IRA (QCD) - HCFM-Spanish<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/hcfm.org\/es\/donacionesplanificadas\/dando-opciones\/el-regalo-ira-qcd\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"El regalo IRA (QCD) - HCFM-Spanish\" \/>\n<meta property=\"og:description\" content=\"Donaci\u00f3n desde una IRA (QCD) Su Cuenta Individual para el Retiro (IRA) puede ser una forma fiscalmente eficiente de apoyar a Holy Cross Family Ministries desde ahora. 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