November · The Decision Calendar

The Execution Sheet

Alex Alston

Everything with a December 31 deadline, in the order it should be done. Print it, work it, tick each box when it's confirmed — not initiated.

Work to mid-December, not December 31 December 31 is the IRS's deadline. It is not your custodian's — anything submitted in the last two weeks can fail to settle, and there is no fixing it afterward.

01Your required distribution If you're 73 or older

Your age at year end Birth yearSets when distributions begin — 73 or 75 Balance on December 31 last yearAll traditional IRAs combined Already withdrawn this yearFrom that IRA, any reason

02The sheet

0 of 0

03Watch for

Carry forward to December

Required distribution figures use the IRS Uniform Lifetime Table, which applies to most account owners. A different table applies if your sole beneficiary is a spouse more than ten years younger. Inherited accounts follow separate rules. Bring this to the November call.

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