How Charitable Giving Can Lower Your 2026 IRMAA Costs Charitable donations can be an effective way to reduce taxable income and stay within lower 2026 IRMAA brackets. Retirees who are required to take minimum distributions (RMDs) from traditional IRAs can use Qualified Charitable Distributions (QCDs) to donate up to $100,000 annually directly to charities. These distributions are exc... https://www.federalpensionadvisors.com/post/2025-irmaa-brackets