# Gifting stocks from IRA

**URL:** <https://community.clark.com/t/gifting-stocks-from-ira/9089>\
**Category:** Investing\
**Created:** [March 19, 2026, 3:30am UTC](https://community.clark.com/t/gifting-stocks-from-ira/9089 "2026-03-19T03:30:43Z")\
**Posts on this page:** 4\
**Page:** 1

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**Author:** ![ladybuglake](https://sea2.discourse-cdn.com/flex016/user_avatar/community.clark.com/ladybuglake/32/170_2.png) [@ladybuglake](https://community.clark.com/u/ladybuglake)\
**Post date:** [March 19, 2026, 3:30am UTC](https://community.clark.com/t/gifting-stocks-from-ira/9089/1 "2026-03-19T03:30:43Z")

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i have been doing some reading, and have been learning that if i gift my brother a stock, i cannot gift it in kind directly from my IRA. I have to transfer it in kind first to my non retirement account, and cost basis starts from the time of transfer. I also realize that the stocks can be used for my yearly distribution.. I understand that I can immediately ‘gift’ to my brother, who is in the same brokerage. It is a limited partnership, and he has done his research. Has anyone in the audience transferred stocks this way?

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**Author:** ![butler](https://avatars.discourse-cdn.com/v4/letter/b/ac91a4/32.png) [@butler](https://community.clark.com/u/butler)\
**Post date:** [March 19, 2026, 11:12am UTC](https://community.clark.com/t/gifting-stocks-from-ira/9089/2 "2026-03-19T11:12:28Z")

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> [@ladybuglake](#):
>
> i have been doing some reading, and have been learning that if i gift my brother a stock, i cannot gift it in kind directly from my IRA. I have to transfer it in kind first to my non retirement account, and cost basis starts from the time of transfer. I also realize that the stocks can be used for my yearly distribution.. I understand that I can immediately ‘gift’ to my brother, who is in the same brokerage

This looks correct to me. The cost basis is established when the stock comes out of your Traditional IRA. You can then gift the stock to your brother subject to the Annual Gift Exclusion Limit, which is currently $19k.

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**Author:** ![ladybuglake](https://sea2.discourse-cdn.com/flex016/user_avatar/community.clark.com/ladybuglake/32/170_2.png) [@ladybuglake](https://community.clark.com/u/ladybuglake)\
**Post date:** [March 19, 2026, 5:55pm UTC](https://community.clark.com/t/gifting-stocks-from-ira/9089/3 "2026-03-19T17:55:44Z")

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Thanks for the info. I expect schwab has a form for the gifting, as he is in same broker.

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**Author:** ![ladybuglake](https://sea2.discourse-cdn.com/flex016/user_avatar/community.clark.com/ladybuglake/32/170_2.png) [@ladybuglake](https://community.clark.com/u/ladybuglake)\
**Post date:** [March 24, 2026, 1:38am UTC](https://community.clark.com/t/gifting-stocks-from-ira/9089/4 "2026-03-24T01:38:46Z")

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Thanks for the explanation.