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If you need to file an ethics complaint, you can typically start by contacting Charles Schwab's dedicated ethics hotline or through their website where they provide a process for reporting ethics concerns.

Qualified Charitable Contributions (QCDs) are distributions from an Individual Retirement Account (IRA) made directly to a qualified charity. For Charles Schwab account holders, you may make QCDs if you are age 70½ or older, and the maximum annual QCD limit is $100,000 per individual. Any QCDs count towards your required minimum distribution. They are not included in your taxable income and they offer no itemized deduction. To make a QCD, request a distribution from your IRA and specify the charity as the payee. Always consult with a tax advisor before making QCDs to understand the implications for your personal tax situation.

We're sorry to hear that you're having trouble accessing your account. Remember, password could be case sensitive, make sure your CAPS lock is not activated. If you're still unable to log in, consider using the "Forgot Password" feature on the Charles Schwab login page. This will allow you to reset your password via the email associated with your account or by answering security questions. After resetting, try logging in again with your new password. Remember to keep your login information secure.