As we settle into 2025, the new year brings fresh opportunities — and deadlines. From healthcare to taxes, we’ve gathered critical deadlines, planning windows, and age milestones to remember so you can proactively prepare for what’s coming next and support your financial future.
2025 Personal and Property Tax Planning Deadlines
| Jan. 29 | The first day the IRS will accept and process income tax returns |
| Feb. 1 (Varies locally) | California – Second installment of property taxes due (or by close of business April 10) |
| Apr. 15 — Tax Day | Deadline:
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| Jun. 16 | Deadline for second quarter estimated tax payment |
| Jul. 2 | First day to appeal property tax assessment |
| Sept. 15 | Deadline:
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| Oct. 15 | Deadline to file if you requested an extension |
| Nov. 1 (Varies locally) | California – First installment of property taxes due (or by close of business Dec. 10) |
| Dec. 1 | Contribute to a donor-advised fund using highly appreciated securities
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| Dec. 31 | Final day for stock sales, gifts, and itemized deductions to count toward 2025 |
| Jan. 15, 2026 | Deadline for fourth quarter estimated tax payment |
2025 Tax Planning Deadlines for Business Owners
| Jan. 31 | Deadline to distribute W-2 forms/1099 tax documents to employees |
| Mar. 15 | Deadline:
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| Mar. 17 | Deadline to file taxes for partnerships and S corporations |
| Apr. 15 | Deadline:
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| Jun. 16 | Deadline for second quarter estimated tax payment |
| Sept. 15 | Deadline for third quarter estimated tax payment |
| Oct. 15 | Deadline to file if you requested an extension |
| Jan. 15, 2026 | Deadline for fourth quarter estimated tax payment |
2025 Healthcare Planning Dates
| Jan. 1 – Mar. 31 | Open Enrollment for Medicare Advantage |
| Oct. 15 – Dec. 7 | Open Enrollment for Medicare (to join, drop, or switch) |
| Nov. 1 – Dec. 15 | Open Enrollment for the Health Insurance Marketplace |
2025 Age-Specific Milestones and Deadlines
| Age 50 | Catch-up contributions for retirement accounts begin |
| Age 55 | You may make distributions from 401(k)s without incurring a penalty (under certain rules and restrictions) |
| Age 55 | Catch-up contributions for HSAs begin |
| Age 59½ | You may make penalty-free early withdrawals from an IRA |
| Age 60 | You may be eligible for spousal Social Security benefits |
| Age 62 | You are eligible to claim Social Security benefits
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| Age 65 | Apply for Medicare benefits
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| Age 67 (born after 1960) | Full retirement age for Social Security |
| Age 70 | There are no further retirement credits or payment increases for delaying your Social Security benefits |
| Age 73 (for birthdays Jan. 1, 1951 – Dec. 31, 1959) | Required minimum distributions (RMDs) begin for 401(k) and traditional IRAs |
| Age 75 (for birthdays Jan. 1, 1960 and later) | Required minimum distributions (RMDs) begin for 401(k) and traditional IRAs |
| Apr. 1 | Deadline for 2024 RMDs for those who turned 73 in 2024 |
| Dec. 31 | Deadline for 2025 RMDs (73 and older)
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2025 Education Planning Deadlines
| Jun. 30 | Free Application for Federal Student Aid (FAFSA) deadline* for the 2025 school year summer session
*Deadlines may vary and should be confirmed with the school. |
| Sept. 14 | Deadline for FAFSA corrections or updates for the 2024–2025 school year |
| Oct. 1 | The FAFSA window opens for the 2025–2026 school year |
| Dec. 31 | Deadline for 529 Savings Plan contributions |
| Jan. 10, 2026 | FAFSA deadline for the spring term for the 2025–2026 school year |
| Dates Vary (by state, age, grade level, and for newborns) | Deadline for prepaid tuition plans |
2025 Considerations for Tech Employees
- Vesting Dates: Dates vary by company; confirm your equity compensation schedule with your employer.
- Post-vesting: You may be able to sell recently vested RSUs with limited to no gains; confirm with your employer.
- Trading Windows and Restrictions: Confirm your company’s trading windows and plan for blackout periods.
Mark Your Calendars
As always, we’re here to help you leverage opportunities, save more, and reduce stress in your financial life. We hope this bird’s-eye view of upcoming critical dates is a valuable resource in your planning. As dates, policies, and laws may change, be sure to consult your advisor or employer to confirm the details that may apply to you.
From maximizing your contributions and staying compliant to making the most of your tech benefits, contact us for personalized guidance so you can confidently navigate your finances throughout the year.
