Your years of saving.
Their fresh start.
A gift from your IRA can help Lake County young adults take their next step toward a diploma, a career, and a stronger future.
Talk about an IRA giftIRA charitable gifts
A direct way to
make a difference.
If you’re age 70½ or older, you may be able to give directly from an eligible IRA through a qualified charitable distribution, or QCD. Sometimes called an IRA charitable rollover, it’s a way to support YBLC through the savings you’ve built.
Details for your IRA provider.
- Legal name
- YBLC Inc. (YouthBuild Lake County)
- Tax ID (EIN)
- 20-0549865
- Charitable status
- 501(c)(3) public charity
- Mailing address
- 2527 Green Bay Rd
North Chicago, IL 60064
Here to help
Make your next gift meaningful.
Have questions about supporting YBLC or need information for your IRA provider? Our Development team can help you get started and discuss where you’d like your gift to make a difference.
Talk with our teamCall 847-473-3483Your IRA provider and tax advisor can confirm eligibility, timing, and reporting requirements for your circumstances.
Frequently asked questions.
Who can make a qualified charitable distribution?
You must be at least 70½ when the distribution is made and use an eligible IRA. Ongoing SEP and SIMPLE IRAs generally do not qualify. Ask your IRA provider to confirm your account’s eligibility before arranging a gift.
How much can I give in 2026?
The 2026 QCD limit is $111,000 per individual, across all eligible charities combined. The limit is adjusted for inflation, so check the applicable year’s amount with your provider. Your advisor can explain any rules that affect how much you can exclude from income.
Can a QCD count toward my required minimum distribution?
Yes. If you have a required minimum distribution (RMD), a qualifying QCD can satisfy all or part of it for that year. Coordinate with your IRA provider before taking your distribution so the gift is handled correctly.
Is a QCD also a charitable tax deduction?
An eligible QCD is generally excluded from federal taxable income. You cannot also claim a charitable deduction for the amount excluded. Your tax advisor can confirm the reporting and tax treatment for your situation.
Can I send the gift through a donor-advised fund?
No. A gift to a donor-advised fund does not qualify as a QCD. Ask your IRA provider to make the qualifying distribution directly to YBLC.
When should I start, and should I tell YBLC?
Start early, especially for a year-end gift. A QCD must be completed by December 31 to count for that tax year; your provider may have earlier processing deadlines. Let our Development team know a gift is coming so we can help identify it and thank you.
2026 information. Learn more from the IRS QCD guidance and Fidelity’s current QCD limits and requirements.
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