BEGIN:VCALENDAR VERSION:2.0 PRODID:-//Deorbit Plan//Retirement deadlines calendar//EN CALSCALE:GREGORIAN METHOD:PUBLISH X-WR-CALNAME:Retirement tax and Medicare deadlines (Deorbit Plan) BEGIN:VEVENT UID:medicare-advantage-open-enrollment-2026-opens@deorbitplan.com DTSTAMP:20261111T000000Z DTSTART;VALUE=DATE:20260101 DTEND;VALUE=DATE:20260102 SUMMARY:Medicare Advantage Open Enrollment opens DESCRIPTION:Already in a Medicare Advantage plan? You can make one change: switch plans\, or return to Original Medicare and join a drug plan. More: https://deorbitplan.com/learn/medicare-penalties/\nSource: https://www.med icare.gov/basics/get-started-with-medicare/get-more-coverage/joining-a-pla n\nThis is not tax advice. Check the source before you act. URL:https://deorbitplan.com/learn/medicare-penalties/ TRANSP:TRANSPARENT END:VEVENT BEGIN:VEVENT UID:medicare-advantage-open-enrollment-2026-closes@deorbitplan.com DTSTAMP:20261111T000000Z DTSTART;VALUE=DATE:20260331 DTEND;VALUE=DATE:20260401 SUMMARY:Medicare Advantage Open Enrollment: last day DESCRIPTION:Already in a Medicare Advantage plan? You can make one change: switch plans\, or return to Original Medicare and join a drug plan. More: https://deorbitplan.com/learn/medicare-penalties/\nSource: https://www.med icare.gov/basics/get-started-with-medicare/get-more-coverage/joining-a-pla n\nThis is not tax advice. Check the source before you act. URL:https://deorbitplan.com/learn/medicare-penalties/ TRANSP:TRANSPARENT END:VEVENT BEGIN:VEVENT UID:medicare-general-enrollment-2026-opens@deorbitplan.com DTSTAMP:20261111T000000Z DTSTART;VALUE=DATE:20260101 DTEND;VALUE=DATE:20260102 SUMMARY:Medicare General Enrollment Period opens DESCRIPTION:If you missed your Initial Enrollment Period and have no Specia l Enrollment Period\, this is when you can sign up for Part B\; coverage s tarts the month after you sign up\, and a late-enrollment penalty may appl y. More: https://deorbitplan.com/learn/medicare-penalties/\nSource: https: //www.medicare.gov/basics/get-started-with-medicare/sign-up/when-does-medi care-coverage-start\nThis is not tax advice. Check the source before you a ct. URL:https://deorbitplan.com/learn/medicare-penalties/ TRANSP:TRANSPARENT END:VEVENT BEGIN:VEVENT UID:medicare-general-enrollment-2026-closes@deorbitplan.com DTSTAMP:20261111T000000Z DTSTART;VALUE=DATE:20260331 DTEND;VALUE=DATE:20260401 SUMMARY:Medicare General Enrollment Period: last day DESCRIPTION:If you missed your Initial Enrollment Period and have no Specia l Enrollment Period\, this is when you can sign up for Part B\; coverage s tarts the month after you sign up\, and a late-enrollment penalty may appl y. More: https://deorbitplan.com/learn/medicare-penalties/\nSource: https: //www.medicare.gov/basics/get-started-with-medicare/sign-up/when-does-medi care-coverage-start\nThis is not tax advice. Check the source before you a ct. URL:https://deorbitplan.com/learn/medicare-penalties/ TRANSP:TRANSPARENT END:VEVENT BEGIN:VEVENT UID:estimated-tax-q4-2025@deorbitplan.com DTSTAMP:20261111T000000Z DTSTART;VALUE=DATE:20260115 DTEND;VALUE=DATE:20260116 SUMMARY:Estimated tax: fourth 2025 payment due DESCRIPTION:Covers income received September 1 – December 31 2025\, if yo ur withholding does not already cover the year's tax. More: https://deorbi tplan.com/learn/safe-harbor-taxes/\nSource: https://www.irs.gov/faqs/estim ated-tax/individuals/individuals-2\nThis is not tax advice. Check the sour ce before you act. URL:https://deorbitplan.com/learn/safe-harbor-taxes/ TRANSP:TRANSPARENT END:VEVENT BEGIN:VEVENT UID:estimated-tax-q1-2026@deorbitplan.com DTSTAMP:20261111T000000Z DTSTART;VALUE=DATE:20260415 DTEND;VALUE=DATE:20260416 SUMMARY:Estimated tax: first 2026 payment due DESCRIPTION:Covers income received January 1 – March 31\, if your withhol ding does not already cover the year's tax. More: https://deorbitplan.com/ learn/safe-harbor-taxes/\nSource: https://www.irs.gov/faqs/estimated-tax/i ndividuals/individuals-2\nThis is not tax advice. Check the source before you act. URL:https://deorbitplan.com/learn/safe-harbor-taxes/ TRANSP:TRANSPARENT END:VEVENT BEGIN:VEVENT UID:hsa-contribution-2025@deorbitplan.com DTSTAMP:20261111T000000Z DTSTART;VALUE=DATE:20260415 DTEND;VALUE=DATE:20260416 SUMMARY:Last day for 2025 HSA contributions DESCRIPTION:HSA contributions for 2025 can be made until the return's due d ate without extensions\, for the months you were eligible (not after Medic are starts). More: https://deorbitplan.com/learn/hsa-triple/\nSource: http s://www.irs.gov/publications/p969\nThis is not tax advice. Check the sourc e before you act. URL:https://deorbitplan.com/learn/hsa-triple/ TRANSP:TRANSPARENT END:VEVENT BEGIN:VEVENT UID:ira-contribution-2025@deorbitplan.com DTSTAMP:20261111T000000Z DTSTART;VALUE=DATE:20260415 DTEND;VALUE=DATE:20260416 SUMMARY:Last day for 2025 IRA contributions DESCRIPTION:Traditional and Roth IRA contributions for 2025 can be made unt il the return's due date\, not including extensions. Tell the custodian wh ich year a contribution is for. More: https://deorbitplan.com/learn/2026-c ontribution-limits/\nSource: https://www.irs.gov/publications/p590a\nThis is not tax advice. Check the source before you act. URL:https://deorbitplan.com/learn/2026-contribution-limits/ TRANSP:TRANSPARENT END:VEVENT BEGIN:VEVENT UID:tax-return-2025@deorbitplan.com DTSTAMP:20261111T000000Z DTSTART;VALUE=DATE:20260415 DTEND;VALUE=DATE:20260416 SUMMARY:2025 federal tax return due (or file for an extension) DESCRIPTION:Form 1040 for 2025\, and any tax still owed\, is due. An extens ion (Form 4868) gives six more months to file but not to pay. More: https: //deorbitplan.com/learn/safe-harbor-taxes/\nSource: https://www.irs.gov/pu blications/p509\nThis is not tax advice. Check the source before you act. URL:https://deorbitplan.com/learn/safe-harbor-taxes/ TRANSP:TRANSPARENT END:VEVENT BEGIN:VEVENT UID:estimated-tax-q2-2026@deorbitplan.com DTSTAMP:20261111T000000Z DTSTART;VALUE=DATE:20260615 DTEND;VALUE=DATE:20260616 SUMMARY:Estimated tax: second 2026 payment due DESCRIPTION:Covers income received April 1 – May 31\, if your withholding does not already cover the year's tax. More: https://deorbitplan.com/lear n/safe-harbor-taxes/\nSource: https://www.irs.gov/faqs/estimated-tax/indiv iduals/individuals-2\nThis is not tax advice. Check the source before you act. URL:https://deorbitplan.com/learn/safe-harbor-taxes/ TRANSP:TRANSPARENT END:VEVENT BEGIN:VEVENT UID:estimated-tax-q3-2026@deorbitplan.com DTSTAMP:20261111T000000Z DTSTART;VALUE=DATE:20260915 DTEND;VALUE=DATE:20260916 SUMMARY:Estimated tax: third 2026 payment due DESCRIPTION:Covers income received June 1 – August 31\, if your withholdi ng does not already cover the year's tax. More: https://deorbitplan.com/le arn/safe-harbor-taxes/\nSource: https://www.irs.gov/faqs/estimated-tax/ind ividuals/individuals-2\nThis is not tax advice. Check the source before yo u act. URL:https://deorbitplan.com/learn/safe-harbor-taxes/ TRANSP:TRANSPARENT END:VEVENT BEGIN:VEVENT UID:extended-return-2025@deorbitplan.com DTSTAMP:20261111T000000Z DTSTART;VALUE=DATE:20261015 DTEND;VALUE=DATE:20261016 SUMMARY:Extended 2025 tax return due DESCRIPTION:If you filed for an extension\, the 2025 return is due. Interes t on unpaid tax has run since April. More: https://deorbitplan.com/learn/s afe-harbor-taxes/\nSource: https://www.irs.gov/publications/p509\nThis is not tax advice. Check the source before you act. URL:https://deorbitplan.com/learn/safe-harbor-taxes/ TRANSP:TRANSPARENT END:VEVENT BEGIN:VEVENT UID:medicare-open-enrollment-2026-opens@deorbitplan.com DTSTAMP:20261111T000000Z DTSTART;VALUE=DATE:20261015 DTEND;VALUE=DATE:20261016 SUMMARY:Medicare Open Enrollment for 2027 coverage opens DESCRIPTION:Join\, switch or drop a Medicare Advantage or drug plan\; chang es start January 1\, 2027. The plan must get your request by December 7. M ore: https://deorbitplan.com/learn/medicare-penalties/\nSource: https://ww w.medicare.gov/basics/get-started-with-medicare/get-more-coverage/joining- a-plan\nThis is not tax advice. Check the source before you act. URL:https://deorbitplan.com/learn/medicare-penalties/ TRANSP:TRANSPARENT END:VEVENT BEGIN:VEVENT UID:medicare-open-enrollment-2026-closes@deorbitplan.com DTSTAMP:20261111T000000Z DTSTART;VALUE=DATE:20261207 DTEND;VALUE=DATE:20261208 SUMMARY:Medicare Open Enrollment for 2027 coverage: last day DESCRIPTION:Join\, switch or drop a Medicare Advantage or drug plan\; chang es start January 1\, 2027. The plan must get your request by December 7. M ore: https://deorbitplan.com/learn/medicare-penalties/\nSource: https://ww w.medicare.gov/basics/get-started-with-medicare/get-more-coverage/joining- a-plan\nThis is not tax advice. Check the source before you act. URL:https://deorbitplan.com/learn/medicare-penalties/ TRANSP:TRANSPARENT END:VEVENT BEGIN:VEVENT UID:aca-open-enrollment-2027-opens@deorbitplan.com DTSTAMP:20261111T000000Z DTSTART;VALUE=DATE:20261101 DTEND;VALUE=DATE:20261102 SUMMARY:HealthCare.gov Open Enrollment for 2027 coverage opens DESCRIPTION:Enroll in or change a Marketplace plan for 2027. States that ru n their own Marketplace may use other dates. More: https://deorbitplan.com /learn/aca-cliff/\nSource: https://www.healthcare.gov/quick-guide/dates-an d-deadlines/\nThis is not tax advice. Check the source before you act. URL:https://deorbitplan.com/learn/aca-cliff/ TRANSP:TRANSPARENT END:VEVENT BEGIN:VEVENT UID:aca-open-enrollment-2027-closes@deorbitplan.com DTSTAMP:20261111T000000Z DTSTART;VALUE=DATE:20270115 DTEND;VALUE=DATE:20270116 SUMMARY:HealthCare.gov Open Enrollment for 2027 coverage: last day DESCRIPTION:Enroll in or change a Marketplace plan for 2027. States that ru n their own Marketplace may use other dates. More: https://deorbitplan.com /learn/aca-cliff/\nSource: https://www.healthcare.gov/quick-guide/dates-an d-deadlines/\nThis is not tax advice. Check the source before you act. URL:https://deorbitplan.com/learn/aca-cliff/ TRANSP:TRANSPARENT END:VEVENT BEGIN:VEVENT UID:aca-january-coverage-2027@deorbitplan.com DTSTAMP:20261111T000000Z DTSTART;VALUE=DATE:20261215 DTEND;VALUE=DATE:20261216 SUMMARY:Marketplace: last day to enroll for January 1\, 2027 coverage DESCRIPTION:Plans picked after this date\, through January 15\, 2027\, star t February 1. More: https://deorbitplan.com/learn/aca-cliff/\nSource: http s://www.healthcare.gov/quick-guide/dates-and-deadlines/\nThis is not tax a dvice. Check the source before you act. URL:https://deorbitplan.com/learn/aca-cliff/ TRANSP:TRANSPARENT END:VEVENT BEGIN:VEVENT UID:qcd-year-end-2026@deorbitplan.com DTSTAMP:20261111T000000Z DTSTART;VALUE=DATE:20261231 DTEND;VALUE=DATE:20270101 SUMMARY:Last day for a 2026 qualified charitable distribution DESCRIPTION:A QCD counts toward the year's RMD and is left out of income on ly in the year it is paid out of the IRA\, so it must reach the charity by December 31. More: https://deorbitplan.com/learn/charitable-giving/\nSour ce: https://www.irs.gov/publications/p590b\nThis is not tax advice. Check the source before you act. URL:https://deorbitplan.com/learn/charitable-giving/ TRANSP:TRANSPARENT END:VEVENT BEGIN:VEVENT UID:rmd-year-end-2026@deorbitplan.com DTSTAMP:20261111T000000Z DTSTART;VALUE=DATE:20261231 DTEND;VALUE=DATE:20270101 SUMMARY:2026 required minimum distributions due DESCRIPTION:Every RMD for 2026 must be out of the account by December 31\, except a first RMD that can wait until April 1. Custodians often need the request days or weeks earlier. More: https://deorbitplan.com/learn/rmd-tab le/\nSource: https://www.irs.gov/retirement-plans/retirement-plan-and-ira- required-minimum-distributions-faqs\nThis is not tax advice. Check the sou rce before you act. URL:https://deorbitplan.com/learn/rmd-table/ TRANSP:TRANSPARENT END:VEVENT BEGIN:VEVENT UID:roth-conversion-year-end-2026@deorbitplan.com DTSTAMP:20261111T000000Z DTSTART;VALUE=DATE:20261231 DTEND;VALUE=DATE:20270101 SUMMARY:Last day for a Roth conversion to count in 2026 DESCRIPTION:A conversion is income in the year the money leaves the traditi onal IRA\, so a 2026 conversion must be completed by December 31. There is no April deadline for conversions. More: https://deorbitplan.com/learn/ro th-conversion-calculator/\nSource: https://www.irs.gov/publications/p590b\ nThis is not tax advice. Check the source before you act. URL:https://deorbitplan.com/learn/roth-conversion-calculator/ TRANSP:TRANSPARENT END:VEVENT BEGIN:VEVENT UID:medicare-advantage-open-enrollment-2027-opens@deorbitplan.com DTSTAMP:20261111T000000Z DTSTART;VALUE=DATE:20270101 DTEND;VALUE=DATE:20270102 SUMMARY:Medicare Advantage Open Enrollment opens DESCRIPTION:Already in a Medicare Advantage plan? You can make one change: switch plans\, or return to Original Medicare and join a drug plan. More: https://deorbitplan.com/learn/medicare-penalties/\nSource: https://www.med icare.gov/basics/get-started-with-medicare/get-more-coverage/joining-a-pla n\nThis is not tax advice. Check the source before you act. URL:https://deorbitplan.com/learn/medicare-penalties/ TRANSP:TRANSPARENT END:VEVENT BEGIN:VEVENT UID:medicare-advantage-open-enrollment-2027-closes@deorbitplan.com DTSTAMP:20261111T000000Z DTSTART;VALUE=DATE:20270331 DTEND;VALUE=DATE:20270401 SUMMARY:Medicare Advantage Open Enrollment: last day DESCRIPTION:Already in a Medicare Advantage plan? You can make one change: switch plans\, or return to Original Medicare and join a drug plan. More: https://deorbitplan.com/learn/medicare-penalties/\nSource: https://www.med icare.gov/basics/get-started-with-medicare/get-more-coverage/joining-a-pla n\nThis is not tax advice. Check the source before you act. URL:https://deorbitplan.com/learn/medicare-penalties/ TRANSP:TRANSPARENT END:VEVENT BEGIN:VEVENT UID:medicare-general-enrollment-2027-opens@deorbitplan.com DTSTAMP:20261111T000000Z DTSTART;VALUE=DATE:20270101 DTEND;VALUE=DATE:20270102 SUMMARY:Medicare General Enrollment Period opens DESCRIPTION:If you missed your Initial Enrollment Period and have no Specia l Enrollment Period\, this is when you can sign up for Part B\; coverage s tarts the month after you sign up\, and a late-enrollment penalty may appl y. More: https://deorbitplan.com/learn/medicare-penalties/\nSource: https: //www.medicare.gov/basics/get-started-with-medicare/sign-up/when-does-medi care-coverage-start\nThis is not tax advice. Check the source before you a ct. URL:https://deorbitplan.com/learn/medicare-penalties/ TRANSP:TRANSPARENT END:VEVENT BEGIN:VEVENT UID:medicare-general-enrollment-2027-closes@deorbitplan.com DTSTAMP:20261111T000000Z DTSTART;VALUE=DATE:20270331 DTEND;VALUE=DATE:20270401 SUMMARY:Medicare General Enrollment Period: last day DESCRIPTION:If you missed your Initial Enrollment Period and have no Specia l Enrollment Period\, this is when you can sign up for Part B\; coverage s tarts the month after you sign up\, and a late-enrollment penalty may appl y. More: https://deorbitplan.com/learn/medicare-penalties/\nSource: https: //www.medicare.gov/basics/get-started-with-medicare/sign-up/when-does-medi care-coverage-start\nThis is not tax advice. Check the source before you a ct. URL:https://deorbitplan.com/learn/medicare-penalties/ TRANSP:TRANSPARENT END:VEVENT BEGIN:VEVENT UID:aca-open-enrollment-ends-2027@deorbitplan.com DTSTAMP:20261111T000000Z DTSTART;VALUE=DATE:20270115 DTEND;VALUE=DATE:20270116 SUMMARY:HealthCare.gov Open Enrollment for 2027 ends DESCRIPTION:After this\, a Marketplace plan needs a Special Enrollment Peri od (a life change such as losing other coverage). More: https://deorbitpla n.com/learn/aca-cliff/\nSource: https://www.healthcare.gov/quick-guide/dat es-and-deadlines/\nThis is not tax advice. Check the source before you act . URL:https://deorbitplan.com/learn/aca-cliff/ TRANSP:TRANSPARENT END:VEVENT BEGIN:VEVENT UID:estimated-tax-q4-2026@deorbitplan.com DTSTAMP:20261111T000000Z DTSTART;VALUE=DATE:20270115 DTEND;VALUE=DATE:20270116 SUMMARY:Estimated tax: fourth 2026 payment due DESCRIPTION:Covers income received September 1 – December 31 2026\, if yo ur withholding does not already cover the year's tax. More: https://deorbi tplan.com/learn/safe-harbor-taxes/\nSource: https://www.irs.gov/faqs/estim ated-tax/individuals/individuals-2\nThis is not tax advice. Check the sour ce before you act. URL:https://deorbitplan.com/learn/safe-harbor-taxes/ TRANSP:TRANSPARENT END:VEVENT BEGIN:VEVENT UID:estimated-tax-q1-2027@deorbitplan.com DTSTAMP:20261111T000000Z DTSTART;VALUE=DATE:20270415 DTEND;VALUE=DATE:20270416 SUMMARY:Estimated tax: first 2027 payment due DESCRIPTION:Covers income received January 1 – March 31\, if your withhol ding does not already cover the year's tax. More: https://deorbitplan.com/ learn/safe-harbor-taxes/\nSource: https://www.irs.gov/faqs/estimated-tax/i ndividuals/individuals-2\nThis is not tax advice. Check the source before you act. URL:https://deorbitplan.com/learn/safe-harbor-taxes/ TRANSP:TRANSPARENT END:VEVENT BEGIN:VEVENT UID:hsa-contribution-2026@deorbitplan.com DTSTAMP:20261111T000000Z DTSTART;VALUE=DATE:20270415 DTEND;VALUE=DATE:20270416 SUMMARY:Last day for 2026 HSA contributions DESCRIPTION:HSA contributions for 2026 can be made until the return's due d ate without extensions\, for the months you were eligible (not after Medic are starts). More: https://deorbitplan.com/learn/hsa-triple/\nSource: http s://www.irs.gov/publications/p969\nThis is not tax advice. Check the sourc e before you act. URL:https://deorbitplan.com/learn/hsa-triple/ TRANSP:TRANSPARENT END:VEVENT BEGIN:VEVENT UID:ira-contribution-2026@deorbitplan.com DTSTAMP:20261111T000000Z DTSTART;VALUE=DATE:20270415 DTEND;VALUE=DATE:20270416 SUMMARY:Last day for 2026 IRA contributions DESCRIPTION:Traditional and Roth IRA contributions for 2026 can be made unt il the return's due date\, not including extensions. Tell the custodian wh ich year a contribution is for. More: https://deorbitplan.com/learn/2026-c ontribution-limits/\nSource: https://www.irs.gov/publications/p590a\nThis is not tax advice. Check the source before you act. URL:https://deorbitplan.com/learn/2026-contribution-limits/ TRANSP:TRANSPARENT END:VEVENT BEGIN:VEVENT UID:tax-return-2026@deorbitplan.com DTSTAMP:20261111T000000Z DTSTART;VALUE=DATE:20270415 DTEND;VALUE=DATE:20270416 SUMMARY:2026 federal tax return due (or file for an extension) DESCRIPTION:Form 1040 for 2026\, and any tax still owed\, is due. An extens ion (Form 4868) gives six more months to file but not to pay. More: https: //deorbitplan.com/learn/safe-harbor-taxes/\nSource: https://www.irs.gov/pu blications/p509\nThis is not tax advice. Check the source before you act. URL:https://deorbitplan.com/learn/safe-harbor-taxes/ TRANSP:TRANSPARENT END:VEVENT BEGIN:VEVENT UID:estimated-tax-q2-2027@deorbitplan.com DTSTAMP:20261111T000000Z DTSTART;VALUE=DATE:20270615 DTEND;VALUE=DATE:20270616 SUMMARY:Estimated tax: second 2027 payment due DESCRIPTION:Covers income received April 1 – May 31\, if your withholding does not already cover the year's tax. More: https://deorbitplan.com/lear n/safe-harbor-taxes/\nSource: https://www.irs.gov/faqs/estimated-tax/indiv iduals/individuals-2\nThis is not tax advice. Check the source before you act. URL:https://deorbitplan.com/learn/safe-harbor-taxes/ TRANSP:TRANSPARENT END:VEVENT BEGIN:VEVENT UID:estimated-tax-q3-2027@deorbitplan.com DTSTAMP:20261111T000000Z DTSTART;VALUE=DATE:20270915 DTEND;VALUE=DATE:20270916 SUMMARY:Estimated tax: third 2027 payment due DESCRIPTION:Covers income received June 1 – August 31\, if your withholdi ng does not already cover the year's tax. More: https://deorbitplan.com/le arn/safe-harbor-taxes/\nSource: https://www.irs.gov/faqs/estimated-tax/ind ividuals/individuals-2\nThis is not tax advice. Check the source before yo u act. URL:https://deorbitplan.com/learn/safe-harbor-taxes/ TRANSP:TRANSPARENT END:VEVENT BEGIN:VEVENT UID:extended-return-2026@deorbitplan.com DTSTAMP:20261111T000000Z DTSTART;VALUE=DATE:20271015 DTEND;VALUE=DATE:20271016 SUMMARY:Extended 2026 tax return due DESCRIPTION:If you filed for an extension\, the 2026 return is due. Interes t on unpaid tax has run since April. More: https://deorbitplan.com/learn/s afe-harbor-taxes/\nSource: https://www.irs.gov/publications/p509\nThis is not tax advice. Check the source before you act. URL:https://deorbitplan.com/learn/safe-harbor-taxes/ TRANSP:TRANSPARENT END:VEVENT BEGIN:VEVENT UID:medicare-open-enrollment-2027-opens@deorbitplan.com DTSTAMP:20261111T000000Z DTSTART;VALUE=DATE:20271015 DTEND;VALUE=DATE:20271016 SUMMARY:Medicare Open Enrollment for 2028 coverage opens DESCRIPTION:Join\, switch or drop a Medicare Advantage or drug plan\; chang es start January 1\, 2028. The plan must get your request by December 7. M ore: https://deorbitplan.com/learn/medicare-penalties/\nSource: https://ww w.medicare.gov/basics/get-started-with-medicare/get-more-coverage/joining- a-plan\nThis is not tax advice. Check the source before you act. URL:https://deorbitplan.com/learn/medicare-penalties/ TRANSP:TRANSPARENT END:VEVENT BEGIN:VEVENT UID:medicare-open-enrollment-2027-closes@deorbitplan.com DTSTAMP:20261111T000000Z DTSTART;VALUE=DATE:20271207 DTEND;VALUE=DATE:20271208 SUMMARY:Medicare Open Enrollment for 2028 coverage: last day DESCRIPTION:Join\, switch or drop a Medicare Advantage or drug plan\; chang es start January 1\, 2028. The plan must get your request by December 7. M ore: https://deorbitplan.com/learn/medicare-penalties/\nSource: https://ww w.medicare.gov/basics/get-started-with-medicare/get-more-coverage/joining- a-plan\nThis is not tax advice. Check the source before you act. URL:https://deorbitplan.com/learn/medicare-penalties/ TRANSP:TRANSPARENT END:VEVENT BEGIN:VEVENT UID:qcd-year-end-2027@deorbitplan.com DTSTAMP:20261111T000000Z DTSTART;VALUE=DATE:20271231 DTEND;VALUE=DATE:20280101 SUMMARY:Last day for a 2027 qualified charitable distribution DESCRIPTION:A QCD counts toward the year's RMD and is left out of income on ly in the year it is paid out of the IRA\, so it must reach the charity by December 31. More: https://deorbitplan.com/learn/charitable-giving/\nSour ce: https://www.irs.gov/publications/p590b\nThis is not tax advice. Check the source before you act. URL:https://deorbitplan.com/learn/charitable-giving/ TRANSP:TRANSPARENT END:VEVENT BEGIN:VEVENT UID:rmd-year-end-2027@deorbitplan.com DTSTAMP:20261111T000000Z DTSTART;VALUE=DATE:20271231 DTEND;VALUE=DATE:20280101 SUMMARY:2027 required minimum distributions due DESCRIPTION:Every RMD for 2027 must be out of the account by December 31\, except a first RMD that can wait until April 1. Custodians often need the request days or weeks earlier. More: https://deorbitplan.com/learn/rmd-tab le/\nSource: https://www.irs.gov/retirement-plans/retirement-plan-and-ira- required-minimum-distributions-faqs\nThis is not tax advice. Check the sou rce before you act. URL:https://deorbitplan.com/learn/rmd-table/ TRANSP:TRANSPARENT END:VEVENT BEGIN:VEVENT UID:roth-conversion-year-end-2027@deorbitplan.com DTSTAMP:20261111T000000Z DTSTART;VALUE=DATE:20271231 DTEND;VALUE=DATE:20280101 SUMMARY:Last day for a Roth conversion to count in 2027 DESCRIPTION:A conversion is income in the year the money leaves the traditi onal IRA\, so a 2027 conversion must be completed by December 31. There is no April deadline for conversions. More: https://deorbitplan.com/learn/ro th-conversion-calculator/\nSource: https://www.irs.gov/publications/p590b\ nThis is not tax advice. Check the source before you act. URL:https://deorbitplan.com/learn/roth-conversion-calculator/ TRANSP:TRANSPARENT END:VEVENT END:VCALENDAR