IRA Charitable Rollovers are a Win-Win-Win

by Andrew Dumont, Chair

Did you know you can support no-cost home repairs for low-income homeowners, lower your taxes, and meet your Individual Retirement Account’s (IRA) required minimum distribution? That’s what I call a win-win-win, and it is possible if you direct your IRA’s trustee to make a qualified charitable distribution to Rebuilding Together Arlington/Fairfax/Falls Church (RT-AFF).

As you may know, if you are the owner of a traditional IRA, you must generally start receiving distributions from your IRA by April 1 of the year following the year in which you reach age 72. These distributions must equal at least a minimum amount, commonly referred to as the required minimum distribution.

What you may not know is that qualified charitable distributions (QCDs) count towards your required minimum distribution. A QCD is generally a nontaxable distribution made directly by the trustee of your IRA (other than a SEP or SIMPLE IRA) to an organization eligible to receive tax-deductible contributions (like RT-AFF!). You must be at least age 70 1/2 when the distribution was made.

The maximum annual exclusion for QCD’s is $100,000. Any QCD in excess of the $100,000 exclusion limit is included in income like any other distribution. If you file a joint return, your spouse can also have a QCD and exclude up to $100,000 from his or her income. The amount of the QCD is limited to the amount of the distribution that would otherwise be included in income. If your IRA includes nondeductible contributions, the distribution is first considered to be paid out of otherwise taxable income. It is important to note that you can’t also claim a charitable contribution deduction for any QCD that you have excluded from your income. Read more

Fall Rebuilding Days

Our first Fall Rebuilding Day was a huge success thanks to the support of seven of our longtime partners and a team of our year-round volunteers. The repairs and modifications they made will have a lasting impact for the homeowners and nonprofit residential facilities that we served.

We are incredibly proud of our team leaders and volunteers who joined us after missing two National Rebuilding Days due to the pandemic. “I was fortunate to visit many of the nine projects on Saturday to see our teams in action,” said Patti Klein, Executive Director. “The energy and smiles from the volunteers and homeowners were contagious! Everyone was excited to be back out in the community doing what they love – making a tangible difference in the hearts and homes of our neighbors.”

More than 100 community members volunteered their time to tackle a variety of repairs and modifications to correct health and safety hazards that included: installing grab bars and railings; making plumbing and electrical repairs; replacing appliances that were no longer functioning; installing new toilets, vanities, faucets and exhaust fans in bathrooms; patching and painting damaged walls, doors and ceilings; diverting water away from homes; removing and repairing broken fences; tacking overgrown yards; and so much more.

Please join me in thanking our caring and dedicated volunteers for an incredible day of work! And a special thank you to the women and men who served as team leaders who spent countless hours planning repairs, coaching their teams and sweating the details to make their projects a success.

2021 Fall Rebuilding Day Partners:

ACCA – Annandale Christian Community for Action
Bush Hill Presbyterian Church
Dulin United Methodist Church
Fairfax United Methodist Church
The Falls Church Episcopal
St. Mary’s Episcopal Church
St. Peter’s Episcopal Church
RT-AFF Year-Round Volunteers

RLAH Real Estate hosted their very first Rebuild on September 15 in Arlington. It was a big success and the volunteers had a great day working together to help a neighbor in need.

Dell Technologies Women in Action DC/Virginia Chapter completed our first She-Build project, bringing together a team of women volunteers to help a single mother by making repairs at her home so she and her family can live safely.

Here are some highlights from our Fall Rebuilding Days.

4 photos of volunteers working
Burke United Methodist Church (pictured above) has been partnering with RT-AFF since 1998. House Captains Mike Holmes and Mike Sawin can always be counted on to accept challenging rebuilding projects and this year was no different. The BUMC team made critical repairs for a retired couple in Burke whose townhome was frequently inundated with water due to its low position in the neighborhood, and poor drainage. The team developed and executed a water mitigation plan and rainwater now drains into a nearby culvert rather than into the family’s basement. Faulty work in the basement done by a paid contractor also had to be corrected so the team replaced studs, installed drywall, painted, and made electrical repairs , transforming the rooms into bright, welcoming spaces where the couple’s grandchildren can play safely. They also cleared a dryer vent blocked by mice nests and made many other critical repairs and safety modifications. Mr. J said “Mike and the team did a great job. If there was something that needed doing they got it done. We’re very grateful and we feel safer and more secure in our home.”
three photos of team at work
Dell Technologies Women in Action DC/MD/VA Chapter (above)  joined us for their first rebuild and our first She Build. “Helping Dina was really empowering for both her and our team of volunteers,” said House Captain and RT-AFF Board member Jean Edwards. “Some of our team members learned to do home maintenance projects they’ve never done before, and we helped Dina develop a sense of pride of ownership. She was overwhelmed by her responsibilities as a single mother, and tremendously grateful for our assistance.”
Fairfax United Methodist Church (pictured above) made repairs at two Gabriel Homes residences. Gabriel Homes provides residential placement, training and community integration for adults with developmental disabilities and is a nonprofit that the FUMC team loves to support. House Captains Mary McDaniel and Patricia Hupalo and their teams painted many rooms in both homes, making the rooms brighter and more welcoming. The teams created safe and tidy outdoor spaces for the residents by clearing overgrown plants and brush that were tripping hazards, correcting standing water problems that allowed biting insects to thrive, and taking care of other deferred maintenance. Outdoor spaces are an especially critical need during the pandemic and bring joy to the residents of Gabriel Homes.
St. Peter’s Episcopal Church, Arlington completed their 34th rebuilding project with us this fall. Homeowners Mr. and Mrs. C enjoyed the camaraderie and great rapport with the St. Peter’s volunteers. The C’s now have a fully functional, safe bathroom and a working kitchen after living without a shower and with multiple broken appliances. The team corrected 10 health and safety priorities and the C’s home now meets all 25 RT Health and Safety Priorities. “We had a great day!” exclaimed House Captain Tony Poole. “Rebuilding Day is one of my favorite days of the year because it allows us to give back and help a family re-establish safety and livability in their home. I can’t wait for our next Rebuilding Day.” The team was honored to have a visit from Arlington County Board Member Matt De Ferranti. Team Captains Bruce Jolly and Tony Poole showed Matt around the project so he could see the importance of the work RT-AFF and our volunteers do for homeowners in need. RT-AFF receives funding from Arlington County through a Community Development Block Grant.
Patti Klein, Bruce Jolly, Matt De Ferranti and Tony Poole.

Patti Klein, Bruce Jolly, Matt De Ferranti and Tony Poole.

Grab bar installation

Low Cost Home Modifications to Prevent Falls

Rebuilding Together Arlington/Fairfax/Falls Church has developed an effective system for identifying and correcting fall hazards in low-income seniors’ homes. Our Rebuilding Together Express program won the Commonwealth Council on Aging’s Best Practices award in 2018. In completing repairs to more than 218 homes we’ve demonstrated that relatively simple and low-cost repairs, modifications, and equipment can correct most fall hazards. Our small teams of RT Express volunteers correct 95% of fall hazards through half-day projects spending less than $500 for materials. ​Click the image below to watch the presentation that Don Ryan and Lucy Stein made at the Virginia Governor’s Conference on Aging.

Presenters: Don Ryan, Rebuilding Together Arlington/Fairfax/Falls Church
Lucy Stein, MSOTR/L, CAPS MedStar Health

Wells Fargo Foundation

Wells Fargo Grant Provides Critical Repairs for Homeowner in Fairfax

Wells Fargo FoundationReplacing a roof is expensive and not part of our regular scope of work, so when RT-AFF received Mrs. T’s application we weren’t sure we could help her. Thanks to a grant from The Wells Fargo Foundation, a national partner of Rebuilding Together, we were able to make this critical home repair that allows her to live safely in her home of 24 years.

“I will always be very grateful for everything you did for me. I want to express my gratitude to Wells Fargo, Mr. Don, Mr. Jon and all of the angel volunteers who fixed my house and made it safe,” exclaimed Mrs. T.

Mrs. T learned about RT-AFF when she opened her Fairfax County Real Estate Tax Waiver mailing and found a flyer describing our program. It was very difficult for her to ask for help because she took pride in her independence, but her roof was leaking in many places and her kitchen ceiling had collapsed.

Mrs. T and her husband owned a successful restaurant in their home country. After immigrating to the U.S. to find safety and new opportunities for their teenaged children, they worked for a catering company, received security clearance, and served at many events for government agencies and at the White House. Their son served in the U.S. Air Force and completed four tours of duty in Iraq. He also ran for office in county government. When Mr. T became ill and had to stop working the children shifted their lives to be nearby to help their parents.

Living on one income was difficult and when the roof started leaking Mrs. T placed buckets around the house to catch the water. After Mr. T passed away the close-knit family continued to help as best they could. But the buckets catching rain were multiplying and during one storm the kitchen ceiling became so waterlogged it came tumbling down. Then the pandemic hit and Mrs. T lost her catering job. Every storm caused new worries that the roof wouldn’t hold, especially when the wind howled. She was desperate for help.

The Wells Fargo Foundation grant allowed Rebuilding Together – AFF to hire a contractor to replace Mrs. T’s roof. After the roof was replaced and the house was water-tight, RT-AFF volunteers repaired the kitchen ceiling, installed a donated dishwasher, added grab bars, railings and new lighting and made many other repairs that resolved 13 Health and Safety Priorities. Now that Mrs. T’s home meets all 25 Rebuilding Together Health and Safety Priorities she feels safe and sound and looks forward to living there for many more years.

Volunteers working inside

Roofers at work

 

We have a lot more photos from this project and others on our Flickr albums.

Multiple Critical Repairs Help Springfield Family

Miller & Long pouring new concrete, volunteers from the Faith Church Kingstowne team, Steve Schoepke (l-r)

Homes that present multiple critical health and safety hazards challenge Rebuilding Together-AFF to be creative in gathering the right volunteers and resources to make the homes safe.

The L family’s home in Springfield needed critical repairs. They had a major moisture problem that required demolishing the sidewalk next to their home and pouring 150 square feet of concrete to correct the slope so that rain flowed away from the house. A crew of professionals from Miller and Long, one of our valued corporate partners, tackled this task and completed the work in just one day.

With the major moisture problem solved, our partners from Faith Church Kingstowne mobilized a team of 50 volunteers to make a host of repairs inside and out on their rebuilding day. They painted, repaired drywall, replaced kitchen cabinets, made safety modifications to reduce the homeowner’s risk of falls, and corrected moisture and ventilation problems. The homeowners also had three complex plumbing repairs (including one emergency) that required special skills so Rebuilding Together – AFF made a quick call to volunteer Steve Schoepke, who came to the rescue the same day.

Family members were delighted to receive help and gratefully worked along side the volunteers. Through this layered approach to repairs and modifications we were able to address 17 critical health and safety issues for the family and their home now meets all 25 of RT-AFF’s Health and Safety Priorities. Check out our Flickr albums for more project pictures.

Pictured below are our partners from Faith Church Kingstowne.

2020 IFDA-DC Masquerade Ball Benefitting Rebuilding Together – AFF

Event Update!
The 2020 Masquerade Ball hosted by the International Furnishings and Design Association – DC Chapter (IFDA-DC) raised almost $9,000 for RT-AFF’s programs. We want to express our thanks and appreciation to all of the IFDA-DC volunteers who worked long and hard to make the Ball an amazing and successful event in support of safe and healthy housing. Little did we know that a week after the Masquerade Ball we would be working from home and practicing social distancing.
Masquerade Ball Volunteers
Pictured above from left to right are Chris Gribbs (RT-AFF Board Member), Patti Klein (RT-AFF Executive Director), Laura Hildebrandt (IFDA-DC Volunteer), Michele Fick (IFDA-DC Board Member), Jean Edwards (RT-AFF Board Member), Debbie Harp (IFDA-DC Board Member), Andrew Dumont (RT-AFF Board Member) and Rebecca Penno (IFDA-DC President).

Read more

Rebuilding Together – AFF is Top-Rated Nonprofit for 2019

“We are honored to be named a 2019 Top-Rated Nonprofit,” says Patti Klein, RT-AFF Executive Director.

“We are proud of our accomplishments his year and want to extend our thanks and share this award with all of our volunteers and supporters.”

The Top-Rated Nonprofit Award is the based on the rating and number of reviews that Rebuilding Together – AFF received from volunteers, donors
and homeowners. One of our reviewers wrote “Volunteering with RT-AFF has been very enlightening as far as seeing others in need, and how kindhearted volunteers step up to help when and where they can. This non-profit brings out the best in people, and has been a heartwarming experience for me personally.”
“Rebuilding Together – AFF is a great example of a nonprofit making a real difference in their community,” said Perla Ni, CEO of GreatNonprofits, “Their award is well-deserved recognition not only of their work, but the tremendous support they receive, as shown by the outstanding reviews they have received from people who have direct experience volunteering with them.”

American Trucks Positive Payload Program Supports RT-AFF

Rebuilding Together – AFF is pleased to announce that we’ve received a contribution from the American Trucks Positive Payload Program. American Trucks established the Positive Payload program in April 2017 to support non-profit organizations using pickup trucks in field work that improves local communities.

RT-AFF doesn’t own a truck, but we are fortunate that a several of our volunteers regularly bring their trucks to help us get materials and supplies to our project sites to help homeowners in need in our community.

You can learn more about the Positive Payload program here: https://www.americantrucks.com/positive-payload.html

Pictured below are (l-r) Scott Cambell, Doug Chapin, Alberto Chalmeta, Rich DiGiovanna, and Dick Meyers. The truck belongs to Dick Meyers, who’s been volunteering for Rebuilding Together-AFF more than 20 years. The team was making repairs for a Fairfax homeowner including repairing her back fence and shed door, air sealing her attic for energy efficiency, and installing a grab bar, smoke and carbon monoxide alarms and a fire extinguisher.

 

 

Fannie Mae – 7 Days to SERVE

We couldn’t have asked for better weather or a more dedicated group of volunteers as we partnered with Fannie Mae during 7 Days to SERVE, their concentrated week of community service activities. During 7 Days to SERVE Fannie Mae employees volunteer with non-profit partners like Rebuilding Together -AFF who provide services to address housing related issues and build more sustainable communities. “7 Days to SERVE gives us the opportunity to support the communities where we live and work,” said Carla Nelson, Community Relations Specialist. “And it helps our employees by fostering long lasting relationships, provides leadership opportunities and helps people grow both personally and professionally.”

On our first day together a team of Fannie Mae volunteers made safety repairs for Mrs. B at her home in Arlington. She’s lived there for 51 years and takes great pride in making sure things are neat and tidy, but larger repairs and maintenance projects are beyond her means and abilities. That’s why volunteers like the Fannie Mae team are important.

“I wanted a project that was not only going to help someone in need, but also let me and my team get out of the office, get a little dirty and work with our hands,” said Fannie Mae team leader Mark Ribeiro.  “Since we are an IT organization we spend a lot of time doing “brain” work. Volunteering to help RT-AFF and Mrs. B gave my group an opportunity to bond, and perhaps try some tasks/tools that were new to them.”  Read more

Lowe’s Grant Funds Deep Repairs for Alexandria Family of 12

“This is one of the first times we’ve felt a sense of community in our neighborhood,” said Mrs. A as she watched the team of Rebuilding Together-AFF volunteers working on projects all around their Alexandria home. She and her husband have worked hard at their jobs so they can provide a solid foundation for their 10 children. Their eldest son, serving in the army in Afghanistan, sent a message to the volunteers. “Thank you for being there and helping my family. I’d be there with you if I could.” Their second oldest, a daughter, has graduated from college – an accomplishment they are very proud of. She lives in Miami and is looking for work in her field. The family lives in a small split level home with their 8 younger children who range in age from 5 to 19. The A’s worked hard to buy the home and provide a nurturing environment for their family, but two years ago Mr. A had a serious health event that compromised his ability to repair and maintain their home, something that he had proudly done his entire life.  Read more