BEGIN:VCALENDAR
VERSION:2.0
PRODID:-//Wealthy Pot//Money Deadlines//EN
CALSCALE:GREGORIAN
METHOD:PUBLISH
X-WR-CALNAME:2027 Money Deadlines (Wealthy Pot)
X-WR-TIMEZONE:America/New_York
REFRESH-INTERVAL;VALUE=DURATION:P1W
X-PUBLISHED-TTL:P1W
BEGIN:VEVENT
UID:2027-medicare-advantage-open-enrollment-opens@wealthypot.com
DTSTAMP:20261029T120000Z
DTSTART;VALUE=DATE:20270101
DTEND;VALUE=DATE:20270102
SUMMARY:Opens: Medicare Advantage Open Enrollment Period
DESCRIPTION:Runs to 2027-03-31. If you are in a Medicare Advantage plan\, y
 ou can switch to another Advantage plan or drop back to Original Medicare 
 (and add a Part D plan) once between January 1 and March 31.\n\nDetails: h
 ttps://wealthypot.com/2027-money-deadlines/#medicare-advantage-open-enroll
 ment\nSource: https://www.ecfr.gov/current/title-42/part-422/section-422.6
 2
URL:https://wealthypot.com/medigap-vs-medicare-advantage/
TRANSP:TRANSPARENT
BEGIN:VALARM
ACTION:DISPLAY
DESCRIPTION:Opens: Medicare Advantage Open Enrollment Period
TRIGGER:-P3D
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:2027-medicare-advantage-open-enrollment-ends@wealthypot.com
DTSTAMP:20261029T120000Z
DTSTART;VALUE=DATE:20270331
DTEND;VALUE=DATE:20270401
SUMMARY:Last day: Medicare Advantage Open Enrollment Period
DESCRIPTION:Opened 2027-01-01. If you are in a Medicare Advantage plan\, yo
 u can switch to another Advantage plan or drop back to Original Medicare (
 and add a Part D plan) once between January 1 and March 31.\n\nDetails: ht
 tps://wealthypot.com/2027-money-deadlines/#medicare-advantage-open-enrollm
 ent\nSource: https://www.ecfr.gov/current/title-42/part-422/section-422.62
URL:https://wealthypot.com/medigap-vs-medicare-advantage/
TRANSP:TRANSPARENT
BEGIN:VALARM
ACTION:DISPLAY
DESCRIPTION:Last day: Medicare Advantage Open Enrollment Period
TRIGGER:-P7D
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:2027-medicare-general-enrollment-period-opens@wealthypot.com
DTSTAMP:20261029T120000Z
DTSTART;VALUE=DATE:20270101
DTEND;VALUE=DATE:20270102
SUMMARY:Opens: Medicare General Enrollment Period
DESCRIPTION:Runs to 2027-03-31. If you missed your Initial Enrollment Perio
 d and have no Special Enrollment Period\, sign up for Part B (or premium P
 art A) by March 31. Coverage starts the month after you sign up\, and a la
 te-enrollment penalty may apply.\n\nDetails: https://wealthypot.com/2027-m
 oney-deadlines/#medicare-general-enrollment-period\nSource: https://www.ec
 fr.gov/current/title-42/part-407/section-407.15
URL:https://wealthypot.com/medicare-part-b-premium-2027/
TRANSP:TRANSPARENT
BEGIN:VALARM
ACTION:DISPLAY
DESCRIPTION:Opens: Medicare General Enrollment Period
TRIGGER:-P3D
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:2027-medicare-general-enrollment-period-ends@wealthypot.com
DTSTAMP:20261029T120000Z
DTSTART;VALUE=DATE:20270331
DTEND;VALUE=DATE:20270401
SUMMARY:Last day: Medicare General Enrollment Period
DESCRIPTION:Opened 2027-01-01. If you missed your Initial Enrollment Period
  and have no Special Enrollment Period\, sign up for Part B (or premium Pa
 rt A) by March 31. Coverage starts the month after you sign up\, and a lat
 e-enrollment penalty may apply.\n\nDetails: https://wealthypot.com/2027-mo
 ney-deadlines/#medicare-general-enrollment-period\nSource: https://www.ecf
 r.gov/current/title-42/part-407/section-407.15
URL:https://wealthypot.com/medicare-part-b-premium-2027/
TRANSP:TRANSPARENT
BEGIN:VALARM
ACTION:DISPLAY
DESCRIPTION:Last day: Medicare General Enrollment Period
TRIGGER:-P7D
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:2027-new-contribution-limits-2027@wealthypot.com
DTSTAMP:20261029T120000Z
DTSTART;VALUE=DATE:20270101
DTEND;VALUE=DATE:20270102
SUMMARY:New 2027 401(k)\, TSP and IRA limits take effect
DESCRIPTION:The inflation-adjusted 2027 limits for 401(k)\, 403(b)\, 457(b)
 \, TSP and IRA contributions apply from the first paycheck of 2027. Raise 
 your contribution percentage if you want to save the new maximum\; the IRS
  publishes the figures in a notice each fall.\n\nDetails: https://wealthyp
 ot.com/2027-money-deadlines/#new-contribution-limits-2027\nSource: https:/
 /www.govinfo.gov/link/uscode/26/402?type=usc&year=mostrecent&link-type=htm
 l
URL:https://wealthypot.com/401k-contribution-limits-2027/
TRANSP:TRANSPARENT
BEGIN:VALARM
ACTION:DISPLAY
DESCRIPTION:New 2027 401(k)\, TSP and IRA limits take effect
TRIGGER:-P7D
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:2027-aca-open-enrollment-2027-ends@wealthypot.com
DTSTAMP:20261029T120000Z
DTSTART;VALUE=DATE:20270115
DTEND;VALUE=DATE:20270116
SUMMARY:Last day of ACA Marketplace Open Enrollment for 2027
DESCRIPTION:Last day to pick or change a HealthCare.gov plan for 2027 (plan
 s picked December 16 to January 15 start February 1). After this you need 
 a Special Enrollment Period\; some state exchanges use other end dates.\n\
 nDetails: https://wealthypot.com/2027-money-deadlines/#aca-open-enrollment
 -2027-ends\nSource: https://www.cms.gov/files/document/ftr-requirement-py2
 6-27-statement.pdf
URL:https://wealthypot.com/aca-subsidy-cliff/
TRANSP:TRANSPARENT
BEGIN:VALARM
ACTION:DISPLAY
DESCRIPTION:Last day of ACA Marketplace Open Enrollment for 2027
TRIGGER:-P7D
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:2027-estimated-tax-q4-2026@wealthypot.com
DTSTAMP:20261029T120000Z
DTSTART;VALUE=DATE:20270115
DTEND;VALUE=DATE:20270116
SUMMARY:4th-quarter 2026 estimated tax payment due
DESCRIPTION:Pay the last 2026 estimated tax installment if withholding does
  not cover your tax. You can skip it if you file your 2026 return and pay 
 the full balance by February 1\, 2027\; otherwise a late or short payment 
 adds an underpayment penalty.\n\nDetails: https://wealthypot.com/2027-mone
 y-deadlines/#estimated-tax-q4-2026\nSource: https://www.irs.gov/pub/irs-pd
 f/f1040es.pdf
URL:https://wealthypot.com/estimated-tax-payments-2026/
TRANSP:TRANSPARENT
BEGIN:VALARM
ACTION:DISPLAY
DESCRIPTION:4th-quarter 2026 estimated tax payment due
TRIGGER:-P7D
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:2027-tax-season-opens-opens@wealthypot.com
DTSTAMP:20261029T120000Z
DTSTART;VALUE=DATE:20270118
DTEND;VALUE=DATE:20270119
SUMMARY:Opens: IRS starts accepting 2026 tax returns (date TBA)
DESCRIPTION:Runs to 2027-01-31. The IRS opens e-filing for 2026 returns in 
 late January and announces the exact day in early January. Filing early wi
 th direct deposit gets refunds fastest\; nothing is due on this date. Expe
 cted date (not yet published\; basis: Not yet announced. Pattern: the 2026
  season opened Monday\, January 26\, 2026 (IR-2026-02\, announced Jan 8\, 
 2026). Window shown is our estimate\, not an IRS date.).\n\nDetails: https
 ://wealthypot.com/2027-money-deadlines/#tax-season-opens\nSource: https://
 www.irs.gov/newsroom/irs-announces-first-day-of-2026-filing-season-online-
 tools-and-resources-help-with-tax-filing
URL:https://wealthypot.com/how-to-prepare-tax-season-checklist/
TRANSP:TRANSPARENT
BEGIN:VALARM
ACTION:DISPLAY
DESCRIPTION:Opens: IRS starts accepting 2026 tax returns (date TBA)
TRIGGER:-P3D
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:2027-tax-season-opens-ends@wealthypot.com
DTSTAMP:20261029T120000Z
DTSTART;VALUE=DATE:20270131
DTEND;VALUE=DATE:20270201
SUMMARY:Last day: IRS starts accepting 2026 tax returns (date TBA)
DESCRIPTION:Opened 2027-01-18. The IRS opens e-filing for 2026 returns in l
 ate January and announces the exact day in early January. Filing early wit
 h direct deposit gets refunds fastest\; nothing is due on this date. Expec
 ted date (not yet published\; basis: Not yet announced. Pattern: the 2026 
 season opened Monday\, January 26\, 2026 (IR-2026-02\, announced Jan 8\, 2
 026). Window shown is our estimate\, not an IRS date.).\n\nDetails: https:
 //wealthypot.com/2027-money-deadlines/#tax-season-opens\nSource: https://w
 ww.irs.gov/newsroom/irs-announces-first-day-of-2026-filing-season-online-t
 ools-and-resources-help-with-tax-filing
URL:https://wealthypot.com/how-to-prepare-tax-season-checklist/
TRANSP:TRANSPARENT
BEGIN:VALARM
ACTION:DISPLAY
DESCRIPTION:Last day: IRS starts accepting 2026 tax returns (date TBA)
TRIGGER:-P7D
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:2027-w2-1099-nec-due@wealthypot.com
DTSTAMP:20261029T120000Z
DTSTART;VALUE=DATE:20270201
DTEND;VALUE=DATE:20270202
SUMMARY:W-2 and 1099-NEC forms due to workers
DESCRIPTION:Employers must give you your 2026 Form W-2\, and clients who pa
 id you as a contractor must send Form 1099-NEC\, by February 1\, 2027 (Jan
 uary 31 falls on a Sunday). If a form is missing\, ask the payer\, then ca
 ll the IRS.\n\nDetails: https://wealthypot.com/2027-money-deadlines/#w2-10
 99-nec-due\nSource: https://www.irs.gov/pub/irs-dft/p509--dft.pdf
URL:https://wealthypot.com/tools/1099-tax-calculator/
TRANSP:TRANSPARENT
BEGIN:VALARM
ACTION:DISPLAY
DESCRIPTION:W-2 and 1099-NEC forms due to workers
TRIGGER:-P7D
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:2027-form-1099-b-due@wealthypot.com
DTSTAMP:20261029T120000Z
DTSTART;VALUE=DATE:20270216
DTEND;VALUE=DATE:20270217
SUMMARY:Brokerage 1099-B forms due to investors
DESCRIPTION:Brokers must send Form 1099-B (sales of stocks\, funds and othe
 r securities in 2026) by February 16\, 2027\, a day late because February 
 15 is Washington's Birthday. Wait for it\, and for any corrected copy\, be
 fore filing.\n\nDetails: https://wealthypot.com/2027-money-deadlines/#form
 -1099-b-due\nSource: https://www.irs.gov/pub/irs-dft/p509--dft.pdf
URL:https://wealthypot.com/capital-gains-tax/
TRANSP:TRANSPARENT
BEGIN:VALARM
ACTION:DISPLAY
DESCRIPTION:Brokerage 1099-B forms due to investors
TRIGGER:-P7D
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:2027-first-rmd-age-73@wealthypot.com
DTSTAMP:20261029T120000Z
DTSTART;VALUE=DATE:20270401
DTEND;VALUE=DATE:20270402
SUMMARY:First RMD due if you turned 73 in 2026
DESCRIPTION:If you turned 73 in 2026\, take your first required minimum dis
 tribution (for 2026) from traditional IRAs by April 1\, 2027. Waiting unti
 l April means a second RMD (for 2027) is also due by December 31\, 2027\; 
 a missed RMD can cost a 25% excise tax (10% if corrected in time).\n\nDeta
 ils: https://wealthypot.com/2027-money-deadlines/#first-rmd-age-73\nSource
 : https://www.irs.gov/pub/irs-pdf/p590b.pdf
URL:https://wealthypot.com/rmd-table/
TRANSP:TRANSPARENT
BEGIN:VALARM
ACTION:DISPLAY
DESCRIPTION:First RMD due if you turned 73 in 2026
TRIGGER:-P7D
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:2027-estimated-tax-q1-2027@wealthypot.com
DTSTAMP:20261029T120000Z
DTSTART;VALUE=DATE:20270415
DTEND;VALUE=DATE:20270416
SUMMARY:1st-quarter 2027 estimated tax payment due
DESCRIPTION:Pay the first 2027 estimated tax installment if withholding wil
 l not cover your 2027 tax (self-employment\, investment or other income wi
 thout withholding). Late or short payments add an underpayment penalty.\n\
 nDetails: https://wealthypot.com/2027-money-deadlines/#estimated-tax-q1-20
 27\nSource: https://www.irs.gov/pub/irs-dft/p509--dft.pdf
URL:https://wealthypot.com/estimated-tax-payments-2026/
TRANSP:TRANSPARENT
BEGIN:VALARM
ACTION:DISPLAY
DESCRIPTION:1st-quarter 2027 estimated tax payment due
TRIGGER:-P7D
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:2027-hsa-contribution-deadline-2026@wealthypot.com
DTSTAMP:20261029T120000Z
DTSTART;VALUE=DATE:20270415
DTEND;VALUE=DATE:20270416
SUMMARY:Last day for 2026 HSA contributions
DESCRIPTION:If you had HSA-eligible coverage in 2026\, you can contribute f
 or 2026 until April 15\, 2027 (designate the deposit as a 2026 contributio
 n). A filing extension does not extend this deadline.\n\nDetails: https://
 wealthypot.com/2027-money-deadlines/#hsa-contribution-deadline-2026\nSourc
 e: https://www.govinfo.gov/link/uscode/26/223?type=usc&year=mostrecent&lin
 k-type=html
URL:https://wealthypot.com/hsa-contribution-limits/
TRANSP:TRANSPARENT
BEGIN:VALARM
ACTION:DISPLAY
DESCRIPTION:Last day for 2026 HSA contributions
TRIGGER:-P7D
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:2027-ira-roth-contribution-deadline-2026@wealthypot.com
DTSTAMP:20261029T120000Z
DTSTART;VALUE=DATE:20270415
DTEND;VALUE=DATE:20270416
SUMMARY:Last day for 2026 IRA and Roth IRA contributions
DESCRIPTION:You can still make a 2026 traditional or Roth IRA contribution 
 until the April 15\, 2027 filing deadline\; tell your IRA provider it is f
 or 2026. A filing extension does not extend this deadline.\n\nDetails: htt
 ps://wealthypot.com/2027-money-deadlines/#ira-roth-contribution-deadline-2
 026\nSource: https://www.govinfo.gov/link/uscode/26/219?type=usc&year=most
 recent&link-type=html
URL:https://wealthypot.com/roth-ira-contribution-limits-2026/
TRANSP:TRANSPARENT
BEGIN:VALARM
ACTION:DISPLAY
DESCRIPTION:Last day for 2026 IRA and Roth IRA contributions
TRIGGER:-P7D
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:2027-tax-filing-deadline-2026-returns@wealthypot.com
DTSTAMP:20261029T120000Z
DTSTART;VALUE=DATE:20270415
DTEND;VALUE=DATE:20270416
SUMMARY:2026 tax returns due (or file for an extension)
DESCRIPTION:File your 2026 Form 1040 and pay any tax owed by April 15\, 202
 7. If you need more time to file\, submit Form 4868 by the same day\; an e
 xtension does not extend the time to pay\, so interest and penalties run o
 n unpaid tax.\n\nDetails: https://wealthypot.com/2027-money-deadlines/#tax
 -filing-deadline-2026-returns\nSource: https://www.irs.gov/pub/irs-dft/p50
 9--dft.pdf
URL:https://wealthypot.com/irs-free-file/
TRANSP:TRANSPARENT
BEGIN:VALARM
ACTION:DISPLAY
DESCRIPTION:2026 tax returns due (or file for an extension)
TRIGGER:-P7D
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:2027-i-bond-rate-may-2027@wealthypot.com
DTSTAMP:20261029T120000Z
DTSTART;VALUE=DATE:20270501
DTEND;VALUE=DATE:20270502
SUMMARY:New I bond rate for bonds bought from May 1
DESCRIPTION:Treasury resets the I bond fixed rate and inflation rate every 
 May 1. Compare the announced rate with the current one: buying by the end 
 of April locks in the old fixed rate for the life of the bond.\n\nDetails:
  https://wealthypot.com/2027-money-deadlines/#i-bond-rate-may-2027\nSource
 : https://www.treasurydirect.gov/savings-bonds/i-bonds/i-bonds-interest-ra
 tes/
URL:https://wealthypot.com/i-bonds/
TRANSP:TRANSPARENT
BEGIN:VALARM
ACTION:DISPLAY
DESCRIPTION:New I bond rate for bonds bought from May 1
TRIGGER:-P7D
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:2027-estimated-tax-q2-2027@wealthypot.com
DTSTAMP:20261029T120000Z
DTSTART;VALUE=DATE:20270615
DTEND;VALUE=DATE:20270616
SUMMARY:2nd-quarter 2027 estimated tax payment due
DESCRIPTION:Pay the second 2027 estimated tax installment. June 15 is also 
 the automatic filing deadline for U.S. citizens and residents living and w
 orking abroad.\n\nDetails: https://wealthypot.com/2027-money-deadlines/#es
 timated-tax-q2-2027\nSource: https://www.irs.gov/pub/irs-dft/p509--dft.pdf
URL:https://wealthypot.com/estimated-tax-payments-2026/
TRANSP:TRANSPARENT
BEGIN:VALARM
ACTION:DISPLAY
DESCRIPTION:2nd-quarter 2027 estimated tax payment due
TRIGGER:-P7D
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:2027-federal-student-loan-rates-2027-28@wealthypot.com
DTSTAMP:20261029T120000Z
DTSTART;VALUE=DATE:20270701
DTEND;VALUE=DATE:20270702
SUMMARY:New federal student loan rates for 2027-28
DESCRIPTION:Direct Loans first disbursed from July 1\, 2027 through June 30
 \, 2028 carry a fixed rate set from the last 10-year Treasury note auction
  before June 1\, 2027. Loans you already have keep their rate.\n\nDetails:
  https://wealthypot.com/2027-money-deadlines/#federal-student-loan-rates-2
 027-28\nSource: https://www.govinfo.gov/link/uscode/20/1087e?type=usc&year
 =mostrecent&link-type=html
URL:https://wealthypot.com/student-loan-interest-rates/
TRANSP:TRANSPARENT
BEGIN:VALARM
ACTION:DISPLAY
DESCRIPTION:New federal student loan rates for 2027-28
TRIGGER:-P7D
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:2027-second-loan-rehabilitation@wealthypot.com
DTSTAMP:20261029T120000Z
DTSTART;VALUE=DATE:20270701
DTEND;VALUE=DATE:20270702
SUMMARY:Second federal student loan rehabilitation allowed
DESCRIPTION:From July 1\, 2027\, a borrower whose federal student loan is i
 n default can rehabilitate it a second time (the limit was once). A second
  rehabilitation cannot start before this date.\n\nDetails: https://wealthy
 pot.com/2027-money-deadlines/#second-loan-rehabilitation\nSource: https://
 www.congress.gov/119/plaws/publ21/PLAW-119publ21.pdf
URL:https://wealthypot.com/student-loan-forgiveness/
TRANSP:TRANSPARENT
BEGIN:VALARM
ACTION:DISPLAY
DESCRIPTION:Second federal student loan rehabilitation allowed
TRIGGER:-P7D
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:2027-estimated-tax-q3-2027@wealthypot.com
DTSTAMP:20261029T120000Z
DTSTART;VALUE=DATE:20270915
DTEND;VALUE=DATE:20270916
SUMMARY:3rd-quarter 2027 estimated tax payment due
DESCRIPTION:Pay the third 2027 estimated tax installment if withholding doe
 s not cover your tax. Late or short payments add an underpayment penalty.\
 n\nDetails: https://wealthypot.com/2027-money-deadlines/#estimated-tax-q3-
 2027\nSource: https://www.irs.gov/pub/irs-dft/p509--dft.pdf
URL:https://wealthypot.com/estimated-tax-payments-2026/
TRANSP:TRANSPARENT
BEGIN:VALARM
ACTION:DISPLAY
DESCRIPTION:3rd-quarter 2027 estimated tax payment due
TRIGGER:-P7D
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:2027-fafsa-2028-29-opens@wealthypot.com
DTSTAMP:20261029T120000Z
DTSTART;VALUE=DATE:20271001
DTEND;VALUE=DATE:20271002
SUMMARY:2028-29 FAFSA opens (by law\, no later than Oct 1)
DESCRIPTION:The FAFSA for the 2028-29 school year must be available by Octo
 ber 1\, 2027. File early: many state and college aid deadlines are first-c
 ome\, first-served and fall months before the federal deadline.\n\nDetails
 : https://wealthypot.com/2027-money-deadlines/#fafsa-2028-29-opens\nSource
 : https://www.govinfo.gov/link/uscode/20/1090?type=usc&year=mostrecent&lin
 k-type=html
URL:https://wealthypot.com/fafsa-deadline/
TRANSP:TRANSPARENT
BEGIN:VALARM
ACTION:DISPLAY
DESCRIPTION:2028-29 FAFSA opens (by law\, no later than Oct 1)
TRIGGER:-P7D
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:2027-social-security-cola-2028-announced@wealthypot.com
DTSTAMP:20261029T120000Z
DTSTART;VALUE=DATE:20271014
DTEND;VALUE=DATE:20271015
SUMMARY:Social Security 2028 COLA announced (expected)
DESCRIPTION:The 2028 cost-of-living raise is set from third-quarter CPI-W\,
  and SSA has announced it on the morning BLS releases September CPI\; BLS 
 has scheduled that release for October 14\, 2027 at 8:30 a.m. ET. The rais
 e applies to benefits paid from January 2028. Expected date (not yet publi
 shed\; basis: BLS CPI release schedule (September 2027 CPI on Oct 14\, 202
 7) is official\; the COLA announcement date is not. Statutory backstop: 42
  USC 415(i)(2)(D) requires publication within 45 days after the quarter en
 ds (by Nov 14\, 2027).).\n\nDetails: https://wealthypot.com/2027-money-dea
 dlines/#social-security-cola-2028-announced\nSource: https://www.bls.gov/s
 chedule/news_release/cpi.htm
URL:https://wealthypot.com/social-security-cola-2027/
TRANSP:TRANSPARENT
BEGIN:VALARM
ACTION:DISPLAY
DESCRIPTION:Social Security 2028 COLA announced (expected)
TRIGGER:-P7D
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:2027-extended-tax-return-deadline@wealthypot.com
DTSTAMP:20261029T120000Z
DTSTART;VALUE=DATE:20271015
DTEND;VALUE=DATE:20271016
SUMMARY:Extended 2026 tax returns due
DESCRIPTION:If you filed Form 4868 by April 15\, file your 2026 return by O
 ctober 15\, 2027. There is no further automatic extension\, and interest o
 n unpaid tax has run since April 15.\n\nDetails: https://wealthypot.com/20
 27-money-deadlines/#extended-tax-return-deadline\nSource: https://www.irs.
 gov/pub/irs-dft/p509--dft.pdf
URL:https://wealthypot.com/irs-payment-plan/
TRANSP:TRANSPARENT
BEGIN:VALARM
ACTION:DISPLAY
DESCRIPTION:Extended 2026 tax returns due
TRIGGER:-P7D
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:2027-medicare-open-enrollment-2028-opens@wealthypot.com
DTSTAMP:20261029T120000Z
DTSTART;VALUE=DATE:20271015
DTEND;VALUE=DATE:20271016
SUMMARY:Opens: Medicare Open Enrollment for 2028 plans
DESCRIPTION:Runs to 2027-12-07. Compare and switch Medicare Advantage and P
 art D drug plans for 2028\; changes take effect January 1\, 2028. If you d
 o nothing\, your current plan usually renews with its new 2028 costs.\n\nD
 etails: https://wealthypot.com/2027-money-deadlines/#medicare-open-enrollm
 ent-2028\nSource: https://www.ecfr.gov/current/title-42/part-422/section-4
 22.62
URL:https://wealthypot.com/medicare-open-enrollment-2026/
TRANSP:TRANSPARENT
BEGIN:VALARM
ACTION:DISPLAY
DESCRIPTION:Opens: Medicare Open Enrollment for 2028 plans
TRIGGER:-P3D
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:2027-medicare-open-enrollment-2028-ends@wealthypot.com
DTSTAMP:20261029T120000Z
DTSTART;VALUE=DATE:20271207
DTEND;VALUE=DATE:20271208
SUMMARY:Last day: Medicare Open Enrollment for 2028 plans
DESCRIPTION:Opened 2027-10-15. Compare and switch Medicare Advantage and Pa
 rt D drug plans for 2028\; changes take effect January 1\, 2028. If you do
  nothing\, your current plan usually renews with its new 2028 costs.\n\nDe
 tails: https://wealthypot.com/2027-money-deadlines/#medicare-open-enrollme
 nt-2028\nSource: https://www.ecfr.gov/current/title-42/part-422/section-42
 2.62
URL:https://wealthypot.com/medicare-open-enrollment-2026/
TRANSP:TRANSPARENT
BEGIN:VALARM
ACTION:DISPLAY
DESCRIPTION:Last day: Medicare Open Enrollment for 2028 plans
TRIGGER:-P7D
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:2027-aca-open-enrollment-2028-opens@wealthypot.com
DTSTAMP:20261029T120000Z
DTSTART;VALUE=DATE:20271101
DTEND;VALUE=DATE:20271102
SUMMARY:Opens: ACA Marketplace Open Enrollment for 2028 (expected)
DESCRIPTION:Runs to 2028-01-15. Shop\, renew or change a HealthCare.gov pla
 n for 2028. The 2028 dates are not announced yet: the 2025 rule that would
  end Open Enrollment by December 31 was struck in court in June 2026\, and
  CMS kept the November 1 to January 15 window for 2027\; state exchanges s
 et their own dates. Expected date (not yet published\; basis: 45 CFR 155.4
 10(e)(4) (Nov 1 - Jan 15) as applied by CMS after City of Columbus v. Kenn
 edy\, No. 1:25-cv-2114 (D. Md. June 12\, 2026). eCFR still prints 155.410(
 e)(5) (end by Dec 31\, max 9 weeks\, for 2027+). CMS has not published PY2
 028 dates.).\n\nDetails: https://wealthypot.com/2027-money-deadlines/#aca-
 open-enrollment-2028\nSource: https://www.cms.gov/files/document/ftr-requi
 rement-py26-27-statement.pdf
URL:https://wealthypot.com/aca-subsidy-cliff/
TRANSP:TRANSPARENT
BEGIN:VALARM
ACTION:DISPLAY
DESCRIPTION:Opens: ACA Marketplace Open Enrollment for 2028 (expected)
TRIGGER:-P3D
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:2027-aca-open-enrollment-2028-ends@wealthypot.com
DTSTAMP:20261029T120000Z
DTSTART;VALUE=DATE:20280115
DTEND;VALUE=DATE:20280116
SUMMARY:Last day: ACA Marketplace Open Enrollment for 2028 (expected)
DESCRIPTION:Opened 2027-11-01. Shop\, renew or change a HealthCare.gov plan
  for 2028. The 2028 dates are not announced yet: the 2025 rule that would 
 end Open Enrollment by December 31 was struck in court in June 2026\, and 
 CMS kept the November 1 to January 15 window for 2027\; state exchanges se
 t their own dates. Expected date (not yet published\; basis: 45 CFR 155.41
 0(e)(4) (Nov 1 - Jan 15) as applied by CMS after City of Columbus v. Kenne
 dy\, No. 1:25-cv-2114 (D. Md. June 12\, 2026). eCFR still prints 155.410(e
 )(5) (end by Dec 31\, max 9 weeks\, for 2027+). CMS has not published PY20
 28 dates.).\n\nDetails: https://wealthypot.com/2027-money-deadlines/#aca-o
 pen-enrollment-2028\nSource: https://www.cms.gov/files/document/ftr-requir
 ement-py26-27-statement.pdf
URL:https://wealthypot.com/aca-subsidy-cliff/
TRANSP:TRANSPARENT
BEGIN:VALARM
ACTION:DISPLAY
DESCRIPTION:Last day: ACA Marketplace Open Enrollment for 2028 (expected)
TRIGGER:-P7D
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:2027-i-bond-rate-nov-2027@wealthypot.com
DTSTAMP:20261029T120000Z
DTSTART;VALUE=DATE:20271101
DTEND;VALUE=DATE:20271102
SUMMARY:New I bond rate for bonds bought from Nov 1
DESCRIPTION:Treasury resets the I bond fixed rate and inflation rate every 
 November 1. Buying by the end of October locks in the old fixed rate for t
 he life of the bond.\n\nDetails: https://wealthypot.com/2027-money-deadlin
 es/#i-bond-rate-nov-2027\nSource: https://www.treasurydirect.gov/savings-b
 onds/i-bonds/i-bonds-interest-rates/
URL:https://wealthypot.com/i-bonds/
TRANSP:TRANSPARENT
BEGIN:VALARM
ACTION:DISPLAY
DESCRIPTION:New I bond rate for bonds bought from Nov 1
TRIGGER:-P7D
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:2027-fehb-pshb-open-season-2027-opens@wealthypot.com
DTSTAMP:20261029T120000Z
DTSTART;VALUE=DATE:20271108
DTEND;VALUE=DATE:20271109
SUMMARY:Opens: FEHB and PSHB Open Season for 2028 (expected)
DESCRIPTION:Runs to 2027-12-13. Federal employees\, annuitants and postal w
 orkers can change FEHB or PSHB plans and enrollment type for 2028. OPM con
 firms the dates each year\; changes take effect the first pay period of Ja
 nuary 2028. Expected date (not yet published\; basis: 5 CFR 890.301(f)(1):
  Monday of the second full workweek in November (Nov 8\, 2027) through Mon
 day of the second full workweek in December (Dec 13\, 2027)\; OPM may modi
 fy (890.301(f)(2)). 2026 Open Season Nov 9 - Dec 14 follows the same rule.
 ).\n\nDetails: https://wealthypot.com/2027-money-deadlines/#fehb-pshb-open
 -season-2027\nSource: https://www.ecfr.gov/current/title-5/part-890/sectio
 n-890.301
URL:https://wealthypot.com/fehb-premiums-2027/
TRANSP:TRANSPARENT
BEGIN:VALARM
ACTION:DISPLAY
DESCRIPTION:Opens: FEHB and PSHB Open Season for 2028 (expected)
TRIGGER:-P3D
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:2027-fehb-pshb-open-season-2027-ends@wealthypot.com
DTSTAMP:20261029T120000Z
DTSTART;VALUE=DATE:20271213
DTEND;VALUE=DATE:20271214
SUMMARY:Last day: FEHB and PSHB Open Season for 2028 (expected)
DESCRIPTION:Opened 2027-11-08. Federal employees\, annuitants and postal wo
 rkers can change FEHB or PSHB plans and enrollment type for 2028. OPM conf
 irms the dates each year\; changes take effect the first pay period of Jan
 uary 2028. Expected date (not yet published\; basis: 5 CFR 890.301(f)(1): 
 Monday of the second full workweek in November (Nov 8\, 2027) through Mond
 ay of the second full workweek in December (Dec 13\, 2027)\; OPM may modif
 y (890.301(f)(2)). 2026 Open Season Nov 9 - Dec 14 follows the same rule.)
 .\n\nDetails: https://wealthypot.com/2027-money-deadlines/#fehb-pshb-open-
 season-2027\nSource: https://www.ecfr.gov/current/title-5/part-890/section
 -890.301
URL:https://wealthypot.com/fehb-premiums-2027/
TRANSP:TRANSPARENT
BEGIN:VALARM
ACTION:DISPLAY
DESCRIPTION:Last day: FEHB and PSHB Open Season for 2028 (expected)
TRIGGER:-P7D
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:2027-aca-enroll-for-jan-1-2028@wealthypot.com
DTSTAMP:20261029T120000Z
DTSTART;VALUE=DATE:20271215
DTEND;VALUE=DATE:20271216
SUMMARY:Pick an ACA plan by Dec 15 for Jan 1 coverage (expected)
DESCRIPTION:On HealthCare.gov\, plans picked by December 15 have started Ja
 nuary 1\; later picks start February 1. Confirm on HealthCare.gov once CMS
  posts the 2028 dates\; state exchanges differ. Expected date (not yet pub
 lished\; basis: 45 CFR 155.410(f)(3) (pre-2025 text applied by CMS for PY2
 027)\; HealthCare.gov dates page (current cycle). Not yet published for PY
 2028.).\n\nDetails: https://wealthypot.com/2027-money-deadlines/#aca-enrol
 l-for-jan-1-2028\nSource: https://www.healthcare.gov/quick-guide/dates-and
 -deadlines/
URL:https://wealthypot.com/aca-subsidy-cliff/
TRANSP:TRANSPARENT
BEGIN:VALARM
ACTION:DISPLAY
DESCRIPTION:Pick an ACA plan by Dec 15 for Jan 1 coverage (expected)
TRIGGER:-P7D
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:2027-401k-deferrals-year-end@wealthypot.com
DTSTAMP:20261029T120000Z
DTSTART;VALUE=DATE:20271231
DTEND;VALUE=DATE:20280101
SUMMARY:Last 2027 paycheck to make 401(k)/TSP deferrals
DESCRIPTION:Employee 401(k)\, 403(b) and TSP deferrals count toward the yea
 r they come out of your pay\, so only paychecks dated in 2027 can fill the
  2027 limit. Change your percentage early enough for your final payroll ru
 ns.\n\nDetails: https://wealthypot.com/2027-money-deadlines/#401k-deferral
 s-year-end\nSource: https://www.ecfr.gov/current/title-26/part-1/section-1
 .402(g)-1
URL:https://wealthypot.com/how-much-to-contribute-to-401k/
TRANSP:TRANSPARENT
BEGIN:VALARM
ACTION:DISPLAY
DESCRIPTION:Last 2027 paycheck to make 401(k)/TSP deferrals
TRIGGER:-P7D
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:2027-rmd-2027-deadline@wealthypot.com
DTSTAMP:20261029T120000Z
DTSTART;VALUE=DATE:20271231
DTEND;VALUE=DATE:20280101
SUMMARY:2027 required minimum distributions due
DESCRIPTION:Take your 2027 RMD from IRAs and old 401(k)s (and your second R
 MD if you delayed your first to April 1\, 2027). December 31\, 2027 is a f
 ederal holiday (New Year's Day observed)\, so ask your custodian for its e
 arlier cutoff\; a missed RMD can cost a 25% excise tax (10% if corrected i
 n time).\n\nDetails: https://wealthypot.com/2027-money-deadlines/#rmd-2027
 -deadline\nSource: https://www.irs.gov/pub/irs-pdf/p590b.pdf
URL:https://wealthypot.com/tools/rmd-calculator/
TRANSP:TRANSPARENT
BEGIN:VALARM
ACTION:DISPLAY
DESCRIPTION:2027 required minimum distributions due
TRIGGER:-P7D
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:2027-roth-conversion-year-end@wealthypot.com
DTSTAMP:20261029T120000Z
DTSTART;VALUE=DATE:20271231
DTEND;VALUE=DATE:20280101
SUMMARY:Last day for a 2027 Roth conversion
DESCRIPTION:A Roth conversion is taxed in the year the money leaves the tra
 ditional IRA\, so it must be completed by December 31 to count for 2027 (t
 here is no April grace period). Banks are closed that day\, so start well 
 before.\n\nDetails: https://wealthypot.com/2027-money-deadlines/#roth-conv
 ersion-year-end\nSource: https://www.irs.gov/pub/irs-pdf/p590a.pdf
URL:https://wealthypot.com/roth-conversion/
TRANSP:TRANSPARENT
BEGIN:VALARM
ACTION:DISPLAY
DESCRIPTION:Last day for a 2027 Roth conversion
TRIGGER:-P7D
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:2027-tax-loss-harvesting-year-end@wealthypot.com
DTSTAMP:20261029T120000Z
DTSTART;VALUE=DATE:20271231
DTEND;VALUE=DATE:20280101
SUMMARY:Last trading day to book 2027 capital losses
DESCRIPTION:Sales count in the year of the trade date\, not the settlement 
 date. NYSE is open on December 31\, 2027 (it is not on its 2027 holiday li
 st) even though it is a federal holiday\; watch the 30-day wash-sale rule.
 \n\nDetails: https://wealthypot.com/2027-money-deadlines/#tax-loss-harvest
 ing-year-end\nSource: https://www.irs.gov/pub/irs-pdf/p550.pdf
URL:https://wealthypot.com/tax-loss-harvesting/
TRANSP:TRANSPARENT
BEGIN:VALARM
ACTION:DISPLAY
DESCRIPTION:Last trading day to book 2027 capital losses
TRIGGER:-P7D
END:VALARM
END:VEVENT
BEGIN:VEVENT
UID:2027-estimated-tax-q4-2027@wealthypot.com
DTSTAMP:20261029T120000Z
DTSTART;VALUE=DATE:20280118
DTEND;VALUE=DATE:20280119
SUMMARY:4th-quarter 2027 estimated tax payment due (expected)
DESCRIPTION:Pay the last 2027 estimated tax installment. The statutory Janu
 ary 15\, 2028 falls on a Saturday and Monday\, January 17 is Martin Luther
  King Jr. Day\, so the due date should move to Tuesday\, January 18\, 2028
 \; confirm on the 2027 Form 1040-ES. Expected date (not yet published\; ba
 sis: IRC 6654(c)(2) (January 15 of the following year) + IRC 7503 + 5 USC 
 6103(a) (MLK Day = third Monday in January = Jan 17\, 2028). 2027 Form 104
 0-ES and Pub 509 (2028) not yet published.).\n\nDetails: https://wealthypo
 t.com/2027-money-deadlines/#estimated-tax-q4-2027\nSource: https://www.gov
 info.gov/link/uscode/26/6654?type=usc&year=mostrecent&link-type=html
URL:https://wealthypot.com/estimated-tax-payments-2026/
TRANSP:TRANSPARENT
BEGIN:VALARM
ACTION:DISPLAY
DESCRIPTION:4th-quarter 2027 estimated tax payment due (expected)
TRIGGER:-P7D
END:VALARM
END:VEVENT
END:VCALENDAR