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 – December 2018

  • 2017 required minimum distribution deadline for individuals who turned age 70 ½ during 2017 (born after June 30, 1946 and before July 1, 1947). Note: the April 1 deadline only applies to the first RMD after turning 70 ½. The deadline for subsequent years is Dec. 31.
  • Individual 2017 tax returns and tax payments are due.
  • Deadline for funding a traditional or Roth IRA for 2017.
  • Extended 2017 tax filing deadline for individuals who filed for an extension on Form 4868 (Application for Automatic Extension of Time To Tile U.S. Individual Income Tax Return). Deadline for sole proprietors that filed for a six-month extension to establish and contribute to a SEP IRA for 2017.
  • Deadline to recharacterize an IRA contribution or conversion from 2017.
  • Deadline to take required minimum distributions (RMDs) for 2018 tax year, applies to individuals born June 30, 1947 or earlier.

  • Deadline to convert a Traditional IRA to a Roth IRA for the 2018 tax year.

  • Deadline to sell non-qualified securities to realize a gain or loss for the 2018 tax year, if appropriate.

  • Deadline to make charitable gifts for tax year 2018 federal income tax deductions.

Note: Taxpayers should begin the process by mid-December to meet the Dec. 31 deadline.

*IRS deadline for the individual tax return filing, IRA and Coverdell contributions and estimated tax payments are delayed to the next business day if they fall on a weekend or legal holiday. Monday, April 16, 2018 is Emancipation Day, a legal holiday in the District of Columbia.