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Hi to All, BACKGROUND: I have a very difficult client who is already perturbed with me because we can't process her RMD for free, we can't give it to her in quarterly installments, and we can't endorse a rollover of all her assets into her IRA and THEN taking her RMD. All of my research indicates that she must take the RMD first and then roll the remainder from the 401(k) to the IRA. She is terminating her plan effective 05/31/2019; her date of birth is 08/26/1948; she turned 70.5 on 02/26/2019. QUESTION: Her RMD is a bit over $31,000. She has called several times insisting that when it is processed, her broker will send $10,000 straight to the United Way, tax free, and the remainder which is of course taxable, will go to her. Now that I go to actually research and try to accommodate her wishes, I am finding that this is not permissible. According to my research, she could have done this out of an IRA, but not out of a 401(k). Do any of you know any way that she can somehow avoid taxation on the portion she wants to donate to charity? Can she recoup it somehow when her 2019 personal taxes get prepared next spring? Thank you for any observations or advice.