10/17/2026
For advisors and clients navigating retirement transitions, three deadlines deserve immediate attention this month:
1. Required Minimum Distributions (RMDs): Account owners age 73 and older face a strict December 31 deadline. Submitting in mid-December leaves zero room for carrier processing delays.
2. Beneficiary Designations: Outdated beneficiary forms take legal precedence over wills. A quick audit guarantees legacy goals remain intact.
3. Fixed Annuity & Crediting Strategy Reviews: Year-end brings carrier portfolio adjustments. Now is the ideal window to evaluate guaranteed rates and structured index allocations.
What is your top planning priority before the new year arrives?