一项新的2026年IRS规则允许退休人员从IRA直接给予慈善机构免税待遇,降低逐项收入的应纳税收入。 A new 2026 IRS rule lets retirees give directly from IRAs to charity tax-free, lowering taxable income for those who itemize.

2026年1月1日生效的一项新的IRS规则允许退休人员从其传统的IRA向合格的非营利机构直接提供慈善捐助,而不将这一数额计为应纳税收入,这有可能减少逐项扣减者的纳税责任。 A new IRS rule effective January 1, 2026, allows retirees to make direct charitable contributions from their traditional IRAs to qualified nonprofits without counting the amount as taxable income, potentially reducing tax liability for those who itemize deductions. 改革的目的是鼓励退休人员慈善捐赠,同时简化税收报告程序。 The change aims to encourage charitable giving among retirees while simplifying tax reporting. 财务顾问建议对退休帐户进行审查,并在执行细则之前提出战略。 Financial advisors recommend reviewing retirement accounts and giving strategies ahead of the rule’s implementation.