CHARLES SCHWAB
QCD Feature – Mobile Giving Experience for RMD Clients
A streamlined mobile flow that allows clients age 73+ to donate their Required Minimum Distribution (RMD) to eligible charities—tax-free, IRS-compliant, and accessible on the go.
TL;DR
Project: Schwab Qualified Charitable Distribution (QCD) – Mobile flowGoal: Enable seniors to complete IRS-compliant charitable donations from mobile with ease, clarity, and confidence
Role: Created a streamlined mobile experience focused on simplicity, accessibility, and error prevention
Tools: Figma, accessibility guidelines (WCAG 2.1), Schwab design system
Outcome: A step-by-step mobile interface that makes tax-smart giving feel approachable—even for users new to digital tools
The responsive mobile version of the Qualified Charitable Distribution (QCD) experience, starting with an educational page.
The first step in the process is to enter a dollar amount that Schwab will deduct from the IRA to create a physical check for the client to send to their charity of choice.
The next step is to enter the charity name and selecting a distribution date.
The client can review their selections before they commit to the final step.
After the client submits their RMD distribution request, a confirmation will be displayed. In this instance, the RMD is still incomplete. However, the client can either repeat the process or select one of the other options provided at the beginning to complete their RMD.
