Retirement stages

It's never too early — or too late — to start planning for a more confident retirement. By breaking it down into small pieces, retirement planning can be more manageable and simpler.

Select the retirement stage below that best describes you to get started.

Important Upcoming Dates

January – April 2015

January
15

Final installment of 2014 estimated tax is due for those who are self- employed or have income not subject to withholding

March
16
  • Corporations file for the 2014 calendar year and pay any taxes due
  • Deadline for corporations operating on a calendar year that are not on extension to establish and contribute to a SEP IRA for 2014
April
1

2014 required minimum distribution deadline for individuals born July 1, 1943 to June 30, 1944 (If initial RMD was not satisfied by 12/31/14)

April
15
  • First installment of 2015 estimated quarterly tax payment due for those who are self-employed or have income not subject to withholding
  • Individual, partnerships and sole proprietorship 2014 returns are due
  • Deadline for sole proprietors and partnerships that are not on extension to establish and contribute to a SEP IRA for 2014
  • Deadline for funding a traditional or Roth IRA for 2014

May – August 2015

June
15

Second installment of 2015 estimated quarterly tax payment due for those who are self-employed or have income not subject to withholding

July
31

Employers sponsoring calendar year qualified plans with eligible employees or $250,000 or more in assets must file IRS form 5500 or 5500-EZ

September – December 2015

September
15
  • Third installment of 2015 estimated quarterly tax payment due for those who are self-employed or have income not subject to withholding
  • For corporations operating on a calendar year that filed for a six-month extension, deadline to establish and contribute to a SEP IRA for 2014
October
1

Deadline for small business owners to set up a new SIMPLE IRA or Safe Harbor 401(k)

October
15
  • Deadline for sole proprietors and partnerships that filed for a six-month extension to establish and contribute to a SEP IRA for 2014
  • Extended 2014 tax filing deadline for those who filed for an extension on IRS Form 4868
  • Deadline to recharacterize an IRA contribution or conversion from 2014
December
31
  • Deadline to take required minimum distributions (RMDs) for 2015 for individuals born June 30, 1944 or earlier
  • Deadline for conversions to Roth IRA for 2015
  • Deadline for selling non-qualified securities to realize a gain or loss, if appropriate
  • Charitable giving deadline for 2015 tax write-offs
  • Deadline for small business owner to establish a calendar year qualified plan