2025 Financial Planning Calendar

2025 Financial Planning Calendar

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Key Points – 2025 Financial Planning Calendar

• What’s New in 2025?
• Specific Things to Keep in Mind for Q4
• Yearly Items to Consider
• Important Dates to Know with Financial Planning
• Milestone Dates and Birthdays
• Bank and New York Stock Exchange Holidays and National Retail Federation Top Spending Events

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2025 Financial Planning Calendar

What Is the 2025 Financial Planning Calendar?

The goal of our 2025 Financial Planning Calendar is to help you through 2025 as you venture to and through retirement. This calendar will be updated regularly to include new dates, links, and more. Download your copy using the form below. If you download it, we’ll make sure to keep you updated as we make changes to the calendar.

*Please note that our firm observes the same holidays as the New York Stock Exchange 

Download the 2025 Financial Planning Calendar

Once you click Get the Calendar the calendar should download as a PDF. We’ll also send it to the email provided.

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Annual Items | Things to Consider Each Year

• Review your spending plan (AKA, your budget)
• Review beneficiaries on all IRAs, investments, pensions, life insurance, bank accounts, etc.
• Discuss your gifting strategy for family and charity
• Review your estate plan, including your beneficiaries, health care directives, and power of attorney
• Review your multi-year tax strategy to help manage and potentially reduce your overall tax burden over time rather than focusing solely on a single year
• Rebalance your portfolio as needed to achieve your overarching goals

Final Quarter Tasks | Start These in October

• Project income for 2025 and 2026
• Tax-loss and tax-gain harvesting 
• Collect cost-basis information on sold investments
• Review sales of appreciated property 
• Review potential credits and deductions
• Track donations to charity 
• Take Required Minimum Distributions (RMDs)
• Review Medicare enrollment options 
• Review and fund trusts 
• Contribute to college education or gift cash to family 
• Review any gifting plans 
• Roth conversion opportunities 
• Max out your retirement plan contributions 

Big Birthdays | Notable Birthday Milestones

• Age 50
  • Catch-up contributions can begin for IRAs and 401(k) plans
• Age 55
  • Penalty-free distributions allowed from 401(k) if retired
• Age 59½  
  • Penalty-free distributions allowed from IRA and qualified plans, and Roth IRAs at least five years old
• Age 60
  • Eligible for reduced Social Security survivor benefit. Check with your advisor first!
• Age 60-63
  • You can make “super catch-up contributions” during this timeframe starting in 2025.
• Age 62
  • Social Security retirement benefit claiming can begin at a reduced amount. Check with your advisor first!
• Age 65
  • Apply for Medicare (Parts A & B) three months prior to turning 65. Coverage begins the 1st of the month you turn 65.
• Age 67
  • Full Social Security retirement benefits can be claimed
• Age 70
  • Delayed Social Security credits no longer accrue. Apply to get maximum benefits
• Age 73
  • Start making Required Minimum Distributions (RMDs) April 1st of the year you turn 73

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January 2025 | Financial Wellness Month

Financial Planning Calendar

January 1

• New Year’s Day
  • Bank and NYSE holiday: Modern Wealth offices closed. It’s the first day of the new year! As you’re making new year’s resolutions, make sure that your life and financial goals are current within your financial plan. If you don’t have a financial plan that’s tailored to your goals, start off the year by building a forward-looking plan and assessing your financial well-being.
• 2025 Social Security Changes
  • Social Security recipients are getting a 2.5% cost-of-living adjustment increase for 2025.
• 2025 Medicare Changes₁
  • What’s new about Medicare for 2025? Along with reviewing our latest content about Medicare, check out the U.S. government’s Medicare handbook, Medicare & You 2025.₂
• 2025 Inflation-Adjusted Federal Income Tax Brackets
  • The IRS established inflation-adjusted tax brackets for 2025.
• Retirement Account Contribution Limits Changes 
  • New 2025 contribution limits take effect. Review your plan to see how this could impact your savings goals.
• Review Your Spending Plan
  • Some people might not want to hear it, but everyone needs a budget. If you don’t like the word “budget,” think of it as being a spending plan. The beginning of each year is a great time to review your spending and make any necessary changes.

January 10

• December Jobs Report
  • Check out the December 2024 Jobs Report from the U.S. Bureau of Labor Statistics.

January 15

• Quarterly Estimated Taxes Due – 4th Quarter 2024
  • Don’t forget to file your estimated taxes for the fourth quarter of 2024.
• ACA Open Enrollment Ends for 2025
  • ACA health insurance open enrollment ends.
• 2025 Forecast and 2024 in Review – Educational Series
  • For our first installment of the Modern Wealth Management Educational Series for 2025, Stephen Tuckwood, CFA, and Neal Falkenberry, CFA, review their key takeaways from what happened in the markets in 2024 and what .

January 20

• Martin Lither King Jr. Day
  • Bank and NYSE holiday: Modern Wealth offices closed.

January 28

• Federal Open Market Committee Meeting – Day 1
  • The FOMC meets to discuss interest rate policy.

January 27

• IRS Begins Accepting 2024 Tax Filings
  • Our CPAs are ready to embrace the grind that is tax season.

January 29

• Federal Open Market Committee Meeting – Day 2
  • Stay tuned to hear from FOMC Chairman Jerome Powell on the Fed’s latest actions.
• TBD – Educational Series
  • Subscribe to the Modern Wealth Management YouTube channel so you never miss an episode of our educational series.

 

February 2025 | National Senior Independence Month

Financial Planning Calendar

February 1

• Start Organizing Your 2024 Taxes
  • Don’t let Tax Day sneak up on you. Make sure that you have a copy of our Tax Reduction Strategies guide handy as you’re gathering your tax documents and avoid some of the most common tax filing errors.

February 7

• January Jobs Report
  • Check out the January Jobs Report from the U.S. Bureau of Labor Statistics.

February 9

• Super Bowl
  • The Super Bowl is one of the top spending events according to the National Retail Federation.₃ U.S. consumers spent an average of $86.04 for the Super Bowl in 2024.

February 12

• TBD – Educational Series
  • Subscribe to the Modern Wealth Management YouTube channel so you never miss an episode of our educational series.

February 14

• Valentine’s Day
  • Valentine’s Day is a top spending event according to the National Retail Federation.₄ U.S. consumers spent an average of $185.81 for Valentine’s Day in 2024. It’s also important to understand that planning for your retirement isn’t just about you. If you’re in a relationship, make sure you’re keeping your partner’s financial and life goals top of mind as well. If you’re single, you can show how much you love your children, grandchildren, or other loved ones by making sure the beneficiaries on your retirement accounts and life insurance policy are up to date.

February 17

• Presidents Day
  • Bank and NYSE holiday: Modern Wealth offices closed.

February 18

• Deadline for 1099-B Forms
  • This is the due date for furnishing statements to recipients for Forms 1099-B, 1099-S, and 1099-MISC (if amounts are reported in boxes 8 or 10).

February 26

• TBD – Educational Series
  • Subscribe to the Modern Wealth Management YouTube channel so you never miss an episode of our educational series.

 

March 2025 | National Credit Education Month

Financial Planning Calendar

March 7

• February Jobs Report
  • Check out the February Jobs Report from the U.S. Bureau of Labor Statistics.

March 12

• TBD – Educational Series
  • Subscribe to the Modern Wealth Management YouTube channel so you never miss an episode of our educational series.

March 15

• Tax Filing Deadline for LLCs and S-Corporations
  • Make sure you’re up to date on your tax filing deadlines if you’re a business owner.

March 17

• St. Patrick’s Day
  • Patrick’s Day is one of the top spending events according to the National Retail Federation.₅ U.S. consumers spent an average of $44.40 for St. Patrick’s Day in 2024.

March 18

• Federal Open Market Committee Meeting – Day 1
  • The FOMC meets to discuss interest rate policy.

March 19

• Federal Open Market Committee Meeting – Day 2
  • The FOMC meets to discuss interest rate policy.

March 21

• Credit Card Reduction Day₆
  • High-interest debt is something that you should want to get rid of as quickly as possible. Credit card debt can be a prime example of that. Prioritize reducing your credit card debt on Credit Card Reduction Day.

March 26

• TBD – Educational Series
  • Subscribe to the Modern Wealth Management YouTube channel so you never miss an episode of our educational series.

March 31

• Medicare Advantage Open Enrollment Period Ends
  • It’s the final day of the Medicare Advantage open enrollment period. While Medicare open enrollment period runs from October 15 through December 7, Medicare Advantage open enrollment goes from January 1 through March 31.

 

April 2025 | Financial Literacy Month

Financial Planning Calendar

April 1

• Required Beginning Date for RMDs (Year After Turning 73)
  • The Required Beginning Date for RMDs is April 1 of the year following the year you turn age 73. That rule went into effect on January 1, 2023, as a part of the SECURE Act 2.0. So, if you turn 73 in 2025, your Required Beginning Date for RMDs is April 1, 2026.

April 4

• March Jobs Report
  • Check out the March Jobs Report from the U.S. Bureau of Labor Statistics.

April 7-11

• America Saves Week₇
  • America Saves is a non-profit organization that is passionate about educating Americans about saving money, reducing debt, building wealth, and creating better financial habits. Modern Wealth shares that same passion!

April 9

• TBD – Educational Series
  • Subscribe to the Modern Wealth Management YouTube channel so you never miss an episode of our educational series.

April 15

• Tax Day
  • It’s Tax Day! Your taxes for the 2024 tax year are due. You can request a six-month extension if you’re unable to file by this date but remember that it’s not an extension to pay taxes. You must pay your taxes for the 2024 tax year prior to April 15 to avoid penalties and interest on what you owe. Don’t forget that forward-looking tax planning can help with alleviating the potential stress of tax compliance.
• Quarterly Estimated Taxes Due – 1st Quarter 2025
  • Don’t forget to file your estimated taxes for Q1 2025.
• Last Day to Contribute to Your IRA, Roth IRA, or HSA for the 2024 Tax Year
  • This is the final day that you can contribute to IRAs, Roth IRAs, or HSAs for the 2024 tax year, so consider maximizing your contributions.

April 18

• Good Friday
  • NYSE holiday: Modern Wealth offices closed.

April 20

• Easter
  • Easter is one of the top spending events according to the National Retail Federation.₈ U.S. consumers spent an average of $177.06 for Easter in 2024.

April 23

• TBD – Educational Series
  • Subscribe to the Modern Wealth Management YouTube channel so you never miss an episode of our educational series.

April 25

• International Financial Independence Awareness Day₉
  • We’re all about celebrating financial independence at Modern Wealth, but this “holiday” was established on this day for all the wrong reasons in 2019. It was set for April 25 (4/25) to implore people to consider retirement rules of thumb—namely the 4% rule and saving 25x your annual expenses. Rather than following any retirement rule of thumb, we encourage you to create a personalized financial plan, ideally at least to five to 10 years before you plan to retire. If you don’t have a financial plan, today is a great day to change that so you can assess where you’re at on the journey to becoming financially independent.

April 27

• National Teach Children to Save Day₁₀
  • This day is observed as a part of Financial Literacy Month. It’s never too early to start teaching your children how to save. They’ll be thankful for that education once they’re starting their own families and trying to build wealth in their 20s, 30s, and 40s.

 

May 2025 | Older Americans Month

Financial Planning Calendar

May 2

• April Jobs Report
  • Check out the April Jobs Report from the U.S. Bureau of Labor Statistics.

May 6

• Federal Open Market Committee Meeting – Day 1
  • The FOMC meets to discuss interest rate policy.

May 7

• Federal Open Market Committee Meeting – Day 2
  • The FOMC meets to discuss interest rate policy.
• TBD – Educational Series
  • Subscribe to the Modern Wealth Management YouTube channel so you never miss an episode of our educational series.

May 11

• Mother’s Day!
  • Aren’t moms the best? Whether you’re a mom or your mom continues to be a big part of your life, we hope you have a wonderful Mother’s Day! Mother’s Day is also a top spending event according to the National Retail Federation.₁₁ U.S. consumers spent an average of $125.04 for Mother’s Day in 2024.

May 21

• TBD – Educational Series
  • Subscribe to the Modern Wealth Management YouTube channel so you never miss an episode of our educational series.

May 26

• Memorial Day
  • Bank and NYSE holiday: Modern Wealth offices closed.

May 29

• National 529 College Savings Plan Day
  • A 529 plan can help your child/grandchildren with covering their educational expenses in addition to offering you some tax benefits. We also know that college plans and post-college aspirations can suddenly change. Don’t forget that it’s now possible to do a 529 plan rollover to a Roth IRA. May also marks graduation season. The National Retail Federation lists graduation as one of the top U.S. consumer spending events.₁₂ Consumers spent an average of $116.97 for graduations in 2024.

June 2025 | Alzheimer’s & Brain Awareness Month

Financial Planning Calendar

June 4

• TBD – Educational Series
  • Subscribe to the Modern Wealth Management YouTube channel so you never miss an episode of our educational series.

June 6

• May Jobs Report
  • Check out the May Jobs Report from the U.S. Bureau of Labor Statistics.

June 15

• Father’s Day!
  • Doesn’t it seem like dads can be superheroes at times? Whether you’re a dad or your dad continues to be a big part of your life, we hope you have a wonderful Father’s Day! Father’s Day is also one of the top spending events according to the National Retail Federation.₁₃ U.S. consumers spent an average of $189.81 for Father’s Day in 2024.

June 16

• Quarterly Estimated Taxes Due – 2nd Quarter 2025
  • Don’t forget to file your estimated taxes for Q2 2025.

June 17

• Federal Open Market Committee Meeting – Day 1
  • The FOMC meets to discuss interest rate policy.

June 18

• Federal Open Market Committee Meeting – Day 2
  • The FOMC meets to discuss interest rate policy.
• TBD – Educational Series
  • Subscribe to the Modern Wealth Management YouTube channel so you never miss an episode of our educational series.

June 19

• Juneteenth National Independence Day
  • Bank and NYSE holiday: Modern Wealth offices closed.

June 28

• National Insurance Awareness Day
  • Do you know whether you’re under-insured or over-insured? Celebrate National Insurance Awareness by checking your coverages and updating them if necessary.

 

July 2025 | Celebrate Financial Independence!

Financial Planning Calendar

July 1

• National Financial Freedom Day
  • If you’re not financially independent, find a team of professionals to work with that can help you get there. The goal is for every day to be National Financial Freedom Day.

July 2

• TBD – Educational Series
  • Subscribe to the Modern Wealth Management YouTube channel so you never miss an episode of our educational series.

July 3

• Independence Day Eve
  • Markets and Modern Wealth offices close at 1 p.m. Eastern.
• June Jobs Report
  • Check out the June Jobs Report from the U.S. Bureau of Labor Statistics.

July 4

• Independence Day
  • Bank and NYSE holiday: Modern Wealth offices closed. The Fourth of July is also one of the top spending events according to the National Retail Federation.₁₄ U.S consumers spent an average of $90.42 for the Fourth of July in 2024.

July 16

• TBD – Educational Series
  • Subscribe to the Modern Wealth Management YouTube channel so you never miss an episode of our educational series.

July 29

• Federal Open Market Committee Meeting – Day 1
  • The FOMC meets to discuss interest rate policy.

July 30

• Federal Open Market Committee Meeting – Day 2
  • The FOMC meets to discuss interest rate policy.
• TBD – Educational Series
  • Subscribe to the Modern Wealth Management YouTube channel so you never miss an episode of our educational series.

 

August 2025 | National Wellness Month

Financial Planning Calendar

August 1

• July Jobs Report
  • Check out the July Jobs Report from the U.S. Bureau of Labor Statistics.
• Time to Think About Back-to-School Shopping?
  • Depending on where you live, you may need to think about this sooner or you may be able to wait a few weeks if your children and grandchildren are heading back to school. What school supplies (and dorm accessories if they’re in college) will they need for the new school year? Check and see if your state has a back-to-school sales tax holiday to mitigate some of these expenses. The National Retail Federation found that consumers spent $874.68 for back-to-school shopping ($1,364.75 for back-to-college shopping) in 2024.₁₅

August 13

• TBD – Educational Series
  • Subscribe to the Modern Wealth Management YouTube channel so you never miss an episode of our educational series.

August 14

• National Financial Awareness Day 
  • Yes, it’s technically National Financial Awareness Day. However, we approach every day as National Financial Awareness Day at Modern Wealth. We’re committed to bringing financial awareness and education to as many people as possible.

August 27

• TBD – Educational Series
  • Subscribe to the Modern Wealth Management YouTube channel so you never miss an episode of our educational series.

 

September 2025 | Healthy Aging Month₁₆

Financial Planning Calendar

September 1

• Labor Day
  • Bank and NYSE holiday: Modern Wealth offices closed.

September 5

• August Jobs Report
  • Check out the August Jobs Report from the U.S. Bureau of Labor Statistics.

September 6

• National 401(k) Day
  • On National 401(k) Day, take a few minutes to understand how your 401(k) works and think about what you want to do with your 401(k) after retirement. Do you want to leave it in its existing plan or roll it over to an IRA?

September 10

• TBD – Educational Series
  • Subscribe to the Modern Wealth Management YouTube channel so you never miss an episode of our educational series.

September 15

• Quarterly Estimated Taxes Due – 3rd Quarter 2025
  • Don’t forget to file your estimated taxes for Q3 2025.

September 16

• Federal Open Market Committee Meeting – Day 1
  • The FOMC meets to discuss interest rate policy.

September 17

• Federal Open Market Committee Meeting – Day 2
  • The FOMC meets to discuss interest rate policy.

September 24

• TBD – Educational Series
  • Subscribe to the Modern Wealth Management YouTube channel so you never miss an episode of our educational series.

October 2025 | Financial Planning Month

Financial Planning Calendar

October 2

• World Financial Planning Day
  • Did you know that there’s an art and a science to financial planning? The science part is the math, such as the tax laws and rules to follow. The art of financial planning is the responsibility of a CFP® Professional, as they need to learn what’s important to you and to build a plan accordingly that can potentially help you achieve your financial and life goals.

October 3

• September Jobs Report
  • Check out the September Jobs Report from the U.S. Bureau of Labor Statistics.

October 8

• TBD – Educational Series
  • Subscribe to the Modern Wealth Management YouTube channel so you never miss an episode of our educational series.

October 13

• Columbus Day
  • Bank holiday.

October 15

• Medicare Annual Open Enrollment Period Begins
  • It’s the first day of the Medicare Annual Open Enrollment Period. Review your coverages and make changes as necessary prior to December 7.
• Tax Extension Deadline
  • If you filed for an extension ahead of Tax Day to file your return, that six-month extension deadline has arrived.

October 20-26

• National Estate Planning Awareness Week₁₇
  • The National Association of Estate Planners & Councils designates the third week of October as National Estate Planning Awareness Week. Take some time this week to review your estate planning options with your loved ones.

October 22

• TBD – Educational Series
  • Subscribe to the Modern Wealth Management YouTube channel so you never miss an episode of our educational series.

October 28

• Federal Open Market Committee Meeting – Day 1
  • The FOMC meets to discuss interest rate policy.

October 29

• Federal Open Market Committee Meeting – Day 2
  • The FOMC meets to discuss interest rate policy.

October 31

• Halloween
  • In 2024, Dean Barber and Chris Rett, CFP®, AIF® celebrated Halloween by sharing their thoughts about some financial horror stories on America’s Wealth Management Show and what to consider when trying to avoid ending up in those situations. Halloween is also a top spending event according to the National Retail Federation.₁₈ U.S. consumers spent an average of $103.66 for Halloween in 2024.

 

November 2025 | National Long-Term Care Awareness Month 

Financial Planning Calendar

November 1

• ACA Open Enrollment Begins for 2025
  • Don’t miss ACA Open Enrollment if you depend on it for your insurance.

November 7

• October Jobs Report
  • Check out the October Jobs Report from the U.S. Bureau of Labor Statistics.

November 5

• TBD – Educational Series
  • Subscribe to the Modern Wealth Management YouTube channel so you never miss an episode of our educational series.

November 11

• Veterans Day
  • Bank holiday. We can’t thank our veterans enough for their service to our country. The least we can do at Modern Wealth along with thanking them is making sure they’re aware of the unique financial planning opportunities that are available to them.

November 19

• TBD – Educational Series
  • Subscribe to the Modern Wealth Management YouTube channel so you never miss an episode of our educational series.

November 27

• Thanksgiving Day
  • Bank and NYSE holiday: Modern Wealth offices closed.

November 28

• Black Friday
  • Markets and Modern Wealth offices close at 1 p.m. Eastern. Many U.S. consumers go Black Friday shopping to purchase discounted holiday gifts. According to the National Retail Federation, U.S. consumers spent an average of $901.99 on holiday gifts and celebrations in 2024.₁₉

 

December 2025 | Happy Holidays!

Financial Planning Calendar

December 2

• Giving Tuesday
  • The Tuesday following Thanksgiving is known as Giving Tuesday. Charitable giving is very popular among our clients and for many others. From Qualified Charitable Distributions to donor-advised funds, make sure you understand how to give your favorite charities in a tax-efficient manner.

December 3

• TBD – Educational Series
  • Subscribe to the Modern Wealth Management YouTube channel so you never miss an episode of our educational series.

December 5

• November Jobs Report
  • Check out the November Jobs Report from the U.S. Bureau of Labor Statistics.

December 7

• Medicare Open Enrollment Ends
  • The Medicare Open Enrollment period ends December 7. Don’t forget to review your coverages.

December 9

• Federal Open Market Committee Meeting – Day 1
  • The FOMC meets to discuss interest rate policy.

December 10

• Federal Open Market Committee Meeting – Day 2
  • The FOMC meets to discuss interest rate policy.

December 17

• TBD – Educational Series
  • Subscribe to the Modern Wealth Management YouTube channel so you never miss an episode of our educational series.

December 24

• Christmas Eve
  • Markets and Modern Wealth offices close at 1 p.m. Eastern.

December 25

• Christmas Day
  • Bank and NYSE holiday: Modern Wealth offices closed.

December 31

• Last Chance for Tax Deductions via Charitable Donations
  • Don’t forget to consult with a tax professional about tax planning strategies such as Roth conversions, QCDs, and planning for RMDs to close out the year.
• Last Day for Roth Conversions and IRA Distributions
  • Additionally, don’t miss out on the last day for Roth conversions or IRA distributions. Meet with your advisor about this sooner rather than later so that you don’t have it hanging over your head at year’s end.

 

Practicing Proactive Financial Planning for 2025 and Beyond

We wish nothing but the best for you and your loved ones in 2025! It’s our hope that our 2025 Financial Planning Calendar can serve as a resource throughout the year.

One thing we should note is that this calendar will look different on January 1, 2025, than it will on December 31, 2025. But if you think about it, that makes a lot of sense. If you review your financial plan on January 1 and then don’t review it again until December 31, you’re likely not going to have a complete plan at the end of the year.

Whether there are tax law changes, significant swings with interest rates, or new happenings in your personal life, there will be changes throughout the year. Make sure you’re meeting with your CFP® Professional and other financial professionals to update your plan as necessary throughout the year.

Even if you look back at our 2025 Financial Planning Calendar in February or March, it’s going to look different. We’ll be updating it throughout the year with new dates, links, etc. Make sure to download your copy via the form below. It’s printer-friendly! So, print a black and white copy and put it on your refrigerator so you don’t miss a date. We’ll make sure to keep you updated as we make changes to the calendar.

Download the 2025 Financial Planning Calendar

Once you click Get the Calendar the calendar should download as a PDF. We’ll also send it to the email provided.

Other Sources

[1] 2025 Medicare Parts A and B Premiums and Deductibles 

[2] Medicare & You 2025 

[3, 4, 5, 8, 11, 12, 13, 14, 15, 18, 19]  National Retail Federation Holiday and Seasonal Trends 

[6] Credit Card Reduction Day 

[7] America Saves Week 

[9] International Financial Independence Awareness Day 

[10] National Teach Children to Save Day 

[16] Healthy Aging Month 

[17] National Estate Planning Awareness Week 

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Investment advisory services offered through Modern Wealth Management, LLC, an SEC Registered Investment Adviser.

The views expressed represent the opinion of Modern Wealth Management an SEC Registered Investment Adviser. Information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Modern Wealth Management does not accept any liability for the use of the information discussed. Consult with a qualified financial, legal, or tax professional prior to taking any action.