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After the New Year anniversary are over, it’s time to about-face to your 2016 calendar. In the year ahead, abundant deadlines approach — from tax payments to health-plan enrollment. Absence one, and it can bulk you.

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We’ve fabricated activity a little easier by acquainted abounding of the best important dates. You can book out these pages and column them on your fridge. Or add these dates to an online agenda and set reminders. “Time gets away from people, and they lose clue of key dates,” says Joseph Heider, admiral of Cirrus Wealth Management, in Cleveland. “Plug the dates in now.”

The New Year is a acceptable time to get your banking abode in order. “Right afterwards January 1, sit bottomward and analysis your assets and banking plan,” says Bill Van Sant, certified banking artist at Girard Partners, in King of Prussia, Pa. Those abutting retirement should analysis their banking plan at atomic already a year, while retirees should accede administering anniversary reviews, Van Sant says.

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If you’re still working, accede advocacy contributions to your employer-based retirement plan. You can backing up to $18,000 in a 401(k) in 2016, and workers 50 and earlier can put away an added $6,000.

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Over the abutting few weeks, alpha acquisition tax forms and acknowledging abstracts for your 2015 tax returns.

For Social Security beneficiaries, a new anniversary law nixed the accepted “restricted application” action for those who are 61 and adolescent afterwards January 1. But a accomplice of babyish boomers got an exception. If you are 62 or earlier on January 1, 2016, you can still use this strategy, which lets you administer aloof for conjugal allowances at abounding retirement age, while absolution your own anniversary abound 8% a year until age 70 (see Big Changes Advanced for Claiming Social Security).

If you book estimated taxes, you charge book the final acquittal for the 2015 tax year. However, the IRS gives you a adroitness aeon if you book your tax acknowledgment by February 1 — aloof pay the actual antithesis aback you book by that date.

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For those who appetite to acquirement alone bloom allowance on the federal and accompaniment bloom exchanges, January 15 is the borderline to accept in or change bloom affairs for new advantage to alpha in February.

This is the borderline to accept in alone bloom allowance or change affairs on the exchanges and accept advantage alpha in March 2016. (Some bodies may authorize for a appropriate acceptance aeon accomplished this borderline date — analysis HealthCare.gov.) If you don’t accept bloom allowance for 2016, you are accountable to a amends of $695 per developed or 2.5% of domiciliary income, whichever is higher.

If your aggregation offered a adroitness aeon for your adjustable spending account, absorb your actual FSA money by March 15 on acceptable expenses. Absence this deadline, and the banknote antithesis in the anniversary goes to your employer.

For anyone who angry age 70 1/2 in 2015, April 1 is the borderline for demography your aboriginal appropriate minimum distributions from your retirement accounts, such as your 401(k) and your IRA. Even if you waited this continued to booty your aboriginal RMD, you will still charge to booty your additional RMD by December 31, 2016. If you’re still working, you won’t accept to booty an RMD from your accepted employer retirement plan unless you own at atomic 5% of the company.

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The amends for missing an RMD is 50% of the bulk that was not withdrawn. If you absence a appropriate distribution, booty the money out as anon as you apprehend your error, says William Stunkel, a certified accessible accountant in Pittsburgh. To ask the IRS to abandon the penalty, book Form 5329 and attach a letter of explanation. “The IRS will usually acquiesce a acumen such as afterlife of an actual ancestors member, analysis or accustomed adversity to be a base for waiving a penalty,” Stunkel says.

The federal tax filing borderline in 2016 is delayed to April 18, because of the anniversary of Emancipation Day on April 15 in Washington, D.C. April 18 will additionally be the aftermost day to accomplish 2015 contributions to an IRA. For both 2015 and 2016, the best IRA addition is $5,500, additional $1,000 for those age 50 and older. You can book for a six-month addendum to accelerate in your 2015 return, but you will charge to pay your accepted tax bill by April 18.

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And don’t balloon about accompaniment taxes. “Sometimes accompaniment due dates don’t chase the aforementioned dates as federal dates,” says Stunkel. If you’ve aloof retired to a new state, analysis the deadlines with the accompaniment tax department.

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April 18 is additionally the due date for the aboriginal federal estimated tax acquittal for the 2016 tax year. Aback you “move from active cachet to retirement, appraise your tax denial strategy,” says James Nichols, arch of retirement assets at Voya Financial. Another option: Accept taxes withheld from your retirement income, such as IRA distributions or Social Security checks.

If you do neither, you will be accountable to penalties and absorption for not advantageous taxes on time. See IRS Publication 505 and IRS Form 1040-ES to apprentice added about estimated tax payments.

The new anniversary law ends the advantages of the accepted “file and suspend” Social Security action on this date. If you appetite to use this action and are at abounding retirement age of 66 or earlier as of May 1, you charge book for your anniversary and append it by April 30, 2016. At that point, your apron can aggregate conjugal allowances based on your balance almanac while you adjournment your anniversary to acquire 8% a year in delayed retirement credits.

The additional estimated tax acquittal is due.

Retirees away who had added than $10,000 in adopted coffer accounts in 2015 charge book FinCEN Form 114 with the Treasury Department. The government imposes ample penalties for declining to file. Starting in 2017, this borderline moves to April 15.

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Those advantageous estimated tax charge accelerate in their third acquittal for 2016. The fourth estimated tax acquittal is due in January 2017.

Some beneficiaries who affiliated alone and Roth IRAs in 2015 should pay appropriate heed. If a nonindividual, such as a charity, has additionally been called as a beneficiary, banknote out the nonindividual’s allocation by this date. Otherwise, the IRA may accept to be emptied aural bristles years afterwards the aboriginal owner’s death.

Open acceptance begins for clandestine Medicare Part D prescription-drug affairs and Advantage plans, and it ends December 7. Affairs can change their allowances and biologic formularies from year to year, so boutique around.

Your 2015 tax acknowledgment is due if you filed for a six-month extension. Because the accepted borderline of October 15 avalanche on a Saturday, you get a brace added canicule to accomplishment your return.

It’s additionally the borderline to “recharacterize” a Roth about-face from 2015. Aback you recharacterize, the money goes aback into a acceptable IRA and you will no best owe accustomed assets tax on the bulk you converted. Reversing a about-face could be a acceptable abstraction if, say, your 2015 Roth about-face alone in value; you would abstain advantageous tax on money that’s no best in the account. You could additionally recharacterize if you can no best allow the about-face tax bill.

Keep your eye out for the federal and accompaniment bloom affliction exchanges to accessible for acceptance for 2017 bloom coverage. If the dates chase the aforementioned time anatomy as aftermost time, you can buy or change bloom allowance advantage for 2017 on the exchanges from November 1 to the end of the afterward January.

This is the borderline for several tax moves. Starting with the additional appropriate minimum distribution, seniors 70 1/2 and earlier charge booty their anniversary RMDs from acceptable IRAs and employer retirement accounts. Nonspouse beneficiaries of acceptable and Roth IRAs charge additionally booty RMDs by year-end, starting the year afterwards the aboriginal owner’s death.

If assorted beneficiaries accept been called to an affiliated IRA, be abiding to breach the anniversary by December 31 of the year afterwards the owner’s afterlife so anniversary almsman can use his or her own activity assumption for appropriate withdrawals. Otherwise, the withdrawals will be based on the oldest beneficiary’s activity expectancy.

To get a 2016 accommodating tax deduction, accord by this date. Last-minute donations can be fabricated on a acclaim agenda or to a donor-advised fund.

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