Kubhera regularly schedules client events with top subject matter experts, fund and portfolio managers, and executive leadership to provide unparalleled insight into the operations, direction, and performance of the investments we feel are worth considering for your portfolio.

Financial Calendar Year:


  • January 15th: Estimated Quarterly Payments for 4th Quarter Due
  • Determine if Contribution Limits to retirement plans changed or if you are now over 50, work with HR to modify your contribution withholdings


  • Look for W-2s, 1099 Interest and Dividends, and K-1s and file for tax purposes


  • March 15th: K-1 Tax Filing Deadline
  • March 31st: End of Medicare Part A & B Enrollment Window for July Coverage Initiation


  • April 15th: Tax Filing Deadline (without extensions)
  • April 15th: Traditional/SEP/Roth IRA Contributions for Prior Year due by filing deadline. Determine eligibility and make contributions prior to April 15th
  • April 15th: Estimated Quarterly Payments for 1st Quarter Due
  • April 15th: Fund HSA for Prior Year


  • Review and adjust tax withholdings as needed.
  • Review Retirement Plan Contribution pace and determine if adjustments need to be made


  • Estimated Quarterly Payments for 2nd Quarter Due


  • September 15th: Estimated Quarterly Payments for 3rd Quarter Due
  • September 15th: K-1 Tax Filing Extension Deadline


  • October 1st: Deadline for setting up new 401k Plans with Safe Harbor
  • October 15th: Tax Filing Extension Deadline
  • October 15th: Medicare Enrollment begins, ending through December 7th (Join, Switch, or Drop a plan, for coverage period beginning January 1 of the following year)

November/December: Year-End Considerations Need to be Implemented by 12/31

  • Offset current investment gains in your taxable accounts through tax-loss harvesting
  • Fund 529 account using your annual gift exclusion amount up to $15,000 per beneficiary ($30,000 for married couples) gift-tax free.
  • Maximizing contributions to your employer’s qualified retirement plan (401 k, 403 b, 457), check with your company’s payroll department to make sure you are on pace to do so.
  • Satisfy required minimum distributions (RMDs) for inherited IRAs and qualified accounts (401 (k), 403 (b), Traditional IRA) to avoid IRS penalties.
  • For those over 59½ consider accelerating traditional IRA withdrawals to manage future tax liabilities.
  • Consider ROTH Conversions and ROTH Contributions as part of your planning strategy.
  • Consider tax-efficient charitable gifting strategies such as…
              a. Gifting appreciated securities
              b. Making a Qualified Charitable Distribution directly from your IRA
              c. Bunching donations to a donor advised fund to take advantage of itemized deductions
  • Work with your CPA to review/adjust your withholdings and prepare to make estimated quarterly payments as needed
Insurance/Estate Planning:
  • If you met your health plan’s deductible, consider incurring any additional medical expenses before your annual deductible resets
  • For FSA (Flexible Savings Account) participants, reach out to your employer to understand your options
  • For HSA (Health Savings Account) participants, the maximum contribution for 2021 is $3,600 per person and $7,200 per household
  • Consider wealth transfer through family gifting up to the annual exclusion amount of $15,000 per individual and $30,000 per couple to each recipient