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 Give back — and save on taxes — with this great addition to your retirement toolbox. Rawpixel.com / Shutterstock.com

Qualified charitable distributions (QCDs) are not only a way to help great causes and those in need, but they also are a way to manage your tax exposure and avoid unpleasant surprises. For people who are at least 70 ½, and who don’t need income (or who simply want to avoid the income tax) from their required minimum distributions (RMDs) from certain retirement accounts, QCDs are a nice tool to…

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