Financial Planning Timeline

Keep your finances on track throughout the year with this helpful month-by-month calendar. It’s an easy way to keep track of deadlines you should know and actions you should take. As you consider the items on this list, be sure to work closely with
your financial advisor.

2018
October 2018

Tuesday, October 16
Final day to file your 2017 income tax return if you've been issued an extension.

Monday, October 15
Last day to re-characterize your 2017 Roth IRA conversions.

Monday, October 15
Open enrollment for Medicare Parts C and D begins. Make any changes to your coverage by December 7.

Monday, October 1
Last day to establish a SIMPLE IRA plan or a Safe Harbor 401(k) to be effective for 2018.

September 2018

Saturday, September 15
Third quarter estimated tax payments are due, if required.

Monday, September 3
Labor Day (Markets closed and Raymond James will be closed.)

August 2018

Thursday, August 2
Information Security Day. Consider changing your passwords for all online accounts to keep your personal information secure.

July 2018

Wednesday, July 4
Independence Day. Celebrate our American freedom! (Markets and Raymond James will be closed.)

June 2018

Sunday, June 17
Father's Day! Be sure to show your appreciation to the influential men in your life.

Friday, June 15
Second quarter estimated tax payments are due, if required.

May 2018

Sunday, May 13
Mother's Day! Be sure to take the time to show your appreciation for the special women in your life.

Monday, May 28
Memorial Day (Markets and Raymond James will be closed.)

April 2018

Sunday, April 1
Final day to take 2017 required minimum distributions for those who turned 70½ in 2017.

Tuesday, April 17
Tax day – the deadline to file your taxes or request a tax filing extension. Mark this date!

Tuesday, April 17
Last day to contribute to traditional and Roth IRAs or Coverdell education savings accounts for 2017.

March 2018

Sunday, March 11
Daylight saving time begins. Set your clocks forward one hour before you go to bed Saturday night.

Wednesday, March 15
The deadline for Raymond James to mail any remaining original 1099s. Amended 1099s will continue to be mailed as needed.

Friday, March 30
Good Friday (Markets and Raymond James will be closed.)

February 2018

Monday, February 19
Presidents Day (Markets and Raymond James will be closed.)

Wednesday, February 28
Raymond James mails amended 1099s and those delayed due to specific holdings and/or income reallocation. March 15 is the final day to mail any original 1099s and continued amended 1099s as needed.

January 2018

Monday, January 1
New Year's Day (Markets and Raymond James will be closed.)

Monday, January 15
Martin Luther King Jr. Day (Markets and Raymond James will be closed.)

Tuesday, January 16
Fourth quarter estimated tax payments are due, if required.

Wednesday, January 31
Raymond James mails year-end retirement tax packets for 1099-R and 5498, if applicable.

2017
December 2017

Thursday, December 7
Last day to enroll for or make changes to Medicare.

Monday, December 25
Christmas Day (Markets and Raymond James will be closed.)

Friday, December 29
Last day to take 2017 required minimum distributions for those who turned 70½ before 2016.

Sunday, December 31
New Year's Eve is the year-end charitable gift deadline for check and wire transfers.

November 2017

Sunday, November 5
Set your clocks back an hour for the end of daylight saving time.

Sunday, November 11
Veterans Day

Thursday, November 23
Thanksgiving Day (Markets and Raymond James will be closed.)

October 2017

Sunday, October 1
Last day to establish a SIMPLE IRA plan or a Safe Harbor 401(k) to be effective for 2017.

Sunday, October 15
Open enrollment for Medicare Parts C and D begins. Make any changes to your coverage by December 7.

Sunday, October 15
Last day to re-characterize your 2016 Roth IRA conversions.

Monday, October 16
Final day to file your 2016 income tax return if you've been issued an extension.

September 2017

Monday, September 4
Labor Day (Markets closed and Raymond James will be closed.)

Friday, September 15
Third quarter estimated tax payments are due, if required.

August 2017

Thursday, August 3
Information Security Day. Consider changing your passwords for all online accounts to keep your personal information secure.

July 2017

Tuesday, July 4
Independence Day. Celebrate our American freedom! (Markets and Raymond James will be closed.)

June 2017

Thursday, June 15
Second quarter estimated tax payments are due, if required.

Sunday, June 18
Father's Day! Be sure to show your appreciation to the influential men in your life.

May 2017

Sunday, May 14
Mother's Day! Be sure to take the time to show your appreciation for the special women in your life.

Monday, May 29
Memorial Day (Markets and Raymond James will be closed.)

April 2017

Saturday, April 1
Last day to take 2017 required minimum distributions for those who turned 70½ in 2016.

Friday, April 14
Good Friday (Markets and Raymond James will be closed.)

Monday, April 17
Tax day. The deadline to file your taxes or request a tax filing extension; make sure you mark this date!

Tuesday, April 18
Last day to contribute to traditional and Roth IRAs or Coverdell education savings accounts for 2016.

March 2017

Wednesday, March 15
The deadline for Raymond James to mail any remaining original 1099s. Amended 1099s will continue to be mailed as needed.

Sunday, March 12
Daylight saving time begins. Set your clocks forward one hour before you go to bed Saturday night.

February 2017

Wednesday, February 15
Raymond James begins mailing 1099 tax statements to account holders today. On Tuesday, February 28, Raymond James mails amended 1099s and those delayed due to specific holdings and/or income reallocation. Wednesday, March 15, is the final day to mail any original 1099s as well as continued amended 1099s as needed.

Monday, February 20
Presidents Day (Markets and Raymond James will be closed.)

January 2017

Monday, January 2
New Year's Day, observed

Monday, January 16
Martin Luther King Jr. Day (Markets and Raymond James will be closed.)

Tuesday, January 17
Fourth quarter estimated tax payments are due, if required.

Tuesday, January 31
Raymond James mails year-end retirement tax packets for 1099-R and 5498, if applicable.

2016
December 2016

Wednesday, December 7
Last day to enroll for or make changes to Medicare Parts C and D.

Sunday, December 25
First day of Hanukkah, and Christmas Day

Monday, December 26
Christmas Day, observed (markets closed)

Saturday, December 31
New Year's Eve

November 2016

Sunday, November 6
Set your clocks back an hour for the end of daylight saving time.

Friday, November 11
Veterans Day (markets open)

Thursday, November 24
Thanksgiving Day (markets closed)

October 2016

Saturday, October 1
Last day to establish a SIMPLE IRA plan or a Safe Harbor 401(k) to be effective for 2016.

Saturday, October 15
Open enrollment for Medicare Parts C and D begins. Make any changes to your coverage by December 7.

Saturday, October 15
Last day to re-characterize your 2015 Roth IRA conversions.

Monday, October 17
Final day to file your 2015 income tax return if you've been issued an extension.

September 2016

Monday, September 5
Labor Day (Markets closed. Investor Access remains available.)

Thursday, September 15
Third quarter estimated tax payments are due, if required.

August 2016

Thursday, August 4
Information Security Day. Consider changing your passwords for all online accounts to keep your personal information secure.

July 2016

Monday, July 4
Independence Day. Celebrate our American freedom!(Markets and Raymond James will be closed.)

June 2016

Wednesday, June 15
Second quarter estimated tax payments are due, if required.

Sunday, June 19
Father's Day! Be sure to show your appreciation to the influential men in your life.

May 2016

Sunday, May 8
Mother's Day! Be sure to take the time to show your appreciation for the special women in your life.

Monday, May 30
Memorial Day (Markets and Raymond James will be closed.)

April 2016

Friday, April 1
Last day to take 2015 required minimum distributions for those who turned 70½ in 2015.

Monday, April 18
Tax day, the deadline to file your taxes or request a tax filing extension. First quarter estimated tax payments are due, if required. Last day to contribute to traditional and Roth IRAs or Coverdell education savings accounts for 2015.

March 2016

Sunday, March 13
Daylight saving time begins. Set your clocks forward one hour before you go to bed Saturday night.

Tuesday, March 15
Final mailing of any original 1099s as well as other amended 1099s as needed.

Friday, March 25
Good Friday (markets and Raymond James closed).

Thursday, March 31
The last day of Medicare Parts A and B open enrollment period.

February 2016

Sunday, February 14
It's the last day of the annual Medicare Part C disenrollment period.

Monday, February 15
Presidents Day (markets and Raymond James closed).

Monday, February 15
Raymond James begins mailing 1099 tax statements to account holders.

Sunday, February 28
Raymond James mails amended 1099s and those delayed due to specific holdings and/or income reallocation.

January 2016

Friday, January 1
It's New Year's Day (markets and Raymond James closed).

Monday, January 18
Martin Luther King Jr. Day (markets and Raymond James closed).

2015
December 2015

Monday, December 7
First day of Hanukkah

Monday, December 7
Last day to enroll for or make changes to Medicare Parts C and D

Friday, December 25
Christmas Day (markets and Raymond James closed)

Thursday, December 31
Last day to take your 2015 required minimum distributions (RMDs)

November 2015

Sunday, November 1
Set your clocks back an hour for the end of daylight saving time.

Wednesday, November 11
Veterans Day (markets and Raymond James will be open)

Thursday, November 26
Thanksgiving Day (markets and Raymond James will be closed)

October 2015

Thursday, October 1
Last day to establish a SIMPLE IRA plan or a Safe Harbor 401(k) to be effective for 2015

Thursday, October 15
Final day to file your 2014 income tax return if you've been issued an extension

September 2015

Monday, September 7
Markets closed for Labor Day

Tuesday, September 15
Third quarter estimated tax payments are due, if required.

August 2015

Thursday, August 6
Information Security Day. Consider changing your passwords for all online accounts to keep your personal information secure.

July 2015

Friday, July 3
Markets closed for Independence Day holiday.

June 2015

Monday, June 15
Second quarter estimated tax payments are due, if required.

Sunday, June 21
Father’s Day. Be sure to show your appreciation to this influential man in your life.

May 2015

Sunday, May 10
Mother’s Day. Be sure to take the time to show your appreciation for the special women in your life.

Monday, May 25
Memorial Day (markets and Raymond James will be closed)

April 2015

Wednesday, April 1
Last day to take 2014 required minimum distributions for those who turned 70½ in 2014

Friday, April 3
Good Friday (markets and Raymond James offices closed)

Wednesday, April 15
Tax day. The deadline to file your taxes or request a tax filing extension. Also last day to contribute to IRAs for 2014

March 2015

Monday, March 2
Raymond James mails amended 1099s and original 1099s delayed due to specific holdings

Sunday, March 15
If you have a healthcare flexible spending account that allows a grace period, it’s time to use or lose the remainder of your funds

Monday, March 16
Final mailing of any original 1099s delayed due to further income reallocation

Tuesday, March 31
This is the last day of Medicare Parts A and B open enrollment period. Make sure you’ve enrolled when first eligible, or else you may face higher premiums if you need these services later

February 2015

Monday, February 2
Raymond James will begin mailing IRS forms 1009-R and 5498

Saturday, February 14
It’s the last day of the annual Medicare Advantage (Part C) disenrollment period.

Monday, February 16
Presidents Day (markets and Raymond James offices closed)

Tuesday, February 17
Raymond James begins mailing composite statement of 1099 forms

January 2015

Thursday, January 1
Open enrollment for Medicare Parts A and B begins. The annual disenrollment period for Medicare Part C starts

Thursday, January 15
Fourth quarter estimated tax payments due, if required

Monday, January 19
Martin Luther King Jr. Day (markets and our offices closed)

2014
December 2014

Sunday, December 7
Last day to enroll or make changes to Medicare Parts C and D.

Tuesday, December 16
First day of Hanukkah

Thursday, December 25
Christmas Day (markets closed)

November 2014

Sunday, November 2
Set your clocks back an hour for the end of daylight saving time

Thursday, November 27
Thanksgiving Day (markets and Raymond James offices closed)

October 2014

Wednesday, October 1
Last day to establish a SIMPLE IRA plan or a Safe Harbor 401(k) to be effective for 2014.

Wednesday, October 15
Open enrollment for Medicare Parts C and D begins. Make any changes to your coverage by December 7.

Wednesday, October 15
Final day to file your 2013 income tax return if you’ve been issued an extension.

Wednesday, October 15
Last day to re-characterize your 2013 Roth IRA conversions if there is a loss.

September 2014

Monday, September 1
Labor Day (markets closed).

Monday, September 15
Third quarter estimated tax payments are due, if required.

Tuesday, September 23
First day of fall.

August 2014

This month research your company’s benefits open enrollment schedule. Review your current benefits and decide whether you need to make changes.

July 2014

Friday, July 4
Celebrate our American freedom! Markets and our offices are closed, but you can access your accounts using Investor Access at any time.

June 2014

Sunday, June 15
It’s Father’s Day. Be sure to show your appreciation to the special men in your life.

Monday, June 16
Second quarter estimated tax payments are due, if required.

Saturday, June 21
Summer solstice, the longest day of the year.

May 2014

Sunday, May 11
Mother’s Day. Be sure to take the time to show your appreciation for the special women in your life.

Monday, May 26
Memorial Day (markets closed)

April 2014

Tuesday, April 1
Last day to take 2013 required minimum distributions for those who turned 70½ in 2013.

Tuesday, April 15
Tax day, the deadline to file your taxes. Also, the deadline to request a tax filing extension.

Friday, April 18
Good Friday (markets closed).

March 2014

Sunday, March 9
Daylight saving time begins. Remember: spring forward, fall back!

Friday, March 14
Raymond James mails remaining 1099s.

February 2014

Friday, February 14
Raymond James begins mailing 1099 tax statements to account holders.

Monday, February 17
Presidents Day (markets closed)

Friday, February 28
Raymond James begins mailing amended 1099s and those delayed due to specific holdings and/or further income reallocation.

January 2014

Wednesday, January 1
It's New Year's Day (markets closed).

Wednesday, January 1
Open enrollment for Medicare Parts A and B begins, as well as the start of the annual disenrollment period for Medicare Part C.

Wednesday, January 15
Fourth quarter estimated tax payments due, if required.

Monday, January 20
Martin Luther King Jr. Day (markets closed).

Friday, January 31
Raymond James begins mailing 1099 tax statements to account holders.

2013
December 2013

Saturday, December 7
Last day to enroll for or make changes to Medicare Parts C and D.

Saturday, December 21
Winter solstice marks the shortest day of the year.

Wednesday, December 25
Christmas Day (markets closed)

Tuesday, December 31
Last open market day of the year. Planning to harvest tax losses? Keep this date in mind.

Tuesday, December 31
New Year’s Eve. Celebrate a year of successful financial planning.

November 2013

Sunday, November 3
Set your clocks back an hour for the end of daylight saving time.

Monday, November 11
Veterans Day (markets open).

Wednesday, November 27
Hanukkah begins at sundown.

Thursday, November 28
Thanksgiving Day (markets closed).

October 2013

Tuesday, October 1
Last day to establish a SIMPLE IRA plan or a Safe Harbor 401(k) to be effective for 2013.

Tuesday, October 15
Final day to file your 2012 tax return if you’ve been issued an extension. Last day to re-characterize your 2012 Roth IRA conversion if there is a loss.

September 2013

Monday, September 16
Third quarter estimated tax payments are due, if required.