Although the IRS requires us to withdraw a certain amount each year from our retirement accounts in order to satisfy the Required Minimum Distribution requirements. However, if you don’t need the money, you can transfer money directly to a non-profit via a qualified charitable distribution. This can be done for a total of up to $100K per year and meet the IRS guideline. You can split your contributions between as many charities as you want under IRS rules, although some banks do place a limit on this. Talk to your bank and a local accounting firm like Hayashi & Wayland.