With 2025 underway, we want to help you stay organized by sharing key dates to remember this year. We understand there is a lot to track in your financial life, so we’ve compiled this reference guide to help you prepare. In addition to taking note of these critical dates, be sure to also take advantage of your free annual credit check through Experian, Equifax, and TransUnion.
2025 Healthcare Dates to Remember
- January 1 to March 31: Medicare general enrollment period*
- January 1 to March 31: Medicare Advantage open enrollment period
- April 15: Last day to fund a Health Savings Account (HSA) for 2024
- October 15 to December 7: Open enrollment to join, drop, or switch Medicare Advantage plans or add a drug plan
- September to December: Keep an eye out for your employer’s open enrollment dates to review and make changes to your benefit elections
- November 1 to January 15: Affordable Care Act (ACA) Marketplace open enrollment
*Only if you have not already signed up when you were first eligible for Medicare or if you were not eligible for a special enrollment period.
2025 Deadlines for Personal Taxes
- January 1: First day to fund your retirement savings for 2025
- January 15: Estimated taxes for Q4 2024 due
- April 15: Last day to file income taxes or apply for an extension
- April 15: Last day to contribute to a Roth IRA or a Traditional/Rollover IRA for 2024**
- April 15: Estimated taxes for Q1 due
- June 15: Estimated taxes for Q2 due
- September 15: Estimated taxes for Q3 due
- September 30: Last day to determine beneficiaries after an IRA owner’s death
- October 1: Extended trust and estate taxes due
- October 15: Income tax deadline if you filed an extension
- December 31: Last day for stock sales, Required Minimum Distributions (RMDs), itemized deductions, and gifts to count for 2024 taxes
**IRAs for small business owners must be funded by the employer’s tax filing deadline, which may include an extension.
Key 2025 Dates for Business Taxes
- March 15: Deadline to file corporate and irrevocable trust tax returns
2025 Dates for Education
- June 30: Last day to file the Free Application for Federal Student Aid (FAFSA)
- October 1: First day to file the FAFSA for college financial aid
Birthday Milestones
- Age 50: Eligible to begin catch-up contributions to retirement plans
- Age 55: Penalty-free distributions allowed from 401(k)s (under certain rules and restrictions)
- Age 55: Eligible to begin catch-up contributions to HSAs
- Age 59 1/2: Penalty-free distributions allowed from IRAs, qualified plans, and Roth IRAs that are at least five years old
- Age 60: Can apply for reduced Social Security under deceased spouse’s earnings record
- Age 62: Can apply for reduced Social Security under own earnings record (benefits reduced)
- Age 65: Can apply for Medicare (Parts A and B) beginning three months before birthday
- Ages 66–67: Full retirement age for unreduced Social Security benefits
- Age 70: Apply for Social Security at this age to get maximum benefits
- Age 73: Must start IRA RMDs
While all dates and ages may not apply to your individual situation, it’s helpful to have a general idea of what to expect. We will continue to inform you if or when dates and requirements change. If you have additional questions, please call us for personalized guidance regarding your unique circumstances and how they may impact your overall financial picture.
CCMI provides personalized fee-only financial planning and investment management services to business owners, professionals, individuals and families in San Diego and throughout the country. CCMI has a team of CERTIFIED FINANCIAL PLANNERTM professionals who act as fiduciaries, which means our clients’ interests always come first.
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