qbteachmt
Level 15

Wow; is this what happened:

There is no reason to send the shares as QCD, because the growth would not have been taxable to your client as gain, and there is no tax reason to do this as shares. Instead, as RMD, the entire amount is taxable income, so she could have had the shares sold and just sent the proceeds of the RMD to the church.

There also isn't any math to do, because there is no process for excluded gain on something that was in a deferred account and would be treated as income, not gain. You are not handling an Appreciated Asset.

You send shares when you want to shelter yourself from the Gain on appreciated stock price.

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