A qualified charitable distribution (QCD) allows individuals who are 70½ years old or older to donate up to $100,000 total to one or more charities directly from a taxable IRA instead of taking their required minimum distributions. As a result, donors may avoid being pushed into higher income tax brackets and prevent phaseouts of other tax deductions, though there are some other limitations.
Please consult with your retirement plan administrator, tax advisor, or financial planning professional to discuss your specific situation. You can also refer to online resources like https://www.fidelitycharitable.org/guidance/philanthropy/qualified-charitable-distribution.html for more information.