Using a QCD Can Ghost Your RMD
If you are giving to charity, give your RMD, and reduce your taxable income.
Keep title of your home in your revocable living trust after you refinance
If you are giving to charity, give your RMD, and reduce your taxable income.
Giving helps others, reduces your taxes, and as a bonus, lifts your soul.
It may be more difficult and riskier than simply using a living trust.