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410-573-9991

2563 Forest Drive

Annapolis, MD 21401

 

 

 

[retirement planning]

retirement plan deadlines

IRA (Traditional or Roth)
Deadline to establish the plan – N/A
Deadline to fund the plan – April 15th of the following year

SEP IRA
Deadline to establish the plan – due date of the tax return, including extensions
Deadline to fund the plan – due date of the tax return, including extensions

Simple IRA
Deadline to establish the plan – October 1st of that year (for example a Simple IRA for 2012 needs to be opened by 10/01/2012)
Deadline to fund the plan –

Employee contributions – must be withheld from pay by December 31st and remitted to the investment firm as soon as reasonably possible
Employer contribution – must be made by the tax return due date, including extensions

401-K
Deadline to establish the plan – October 1st of that year for safe harbor plans, otherwise December 31st of that year.
Deadline to fund the plan –

Employee contributions – must be withheld from pay by December 31st and remitted to the investment firm as soon as reasonably possible
Employer contribution – must be made by the tax return due date, including extensions