Year-End Senior Checklist
Don't miss December deadlines.
Medicare Open Enrollment
Oct 15-Dec 7. Compare plans on Medicare.gov. Switch if needed.
RMDs
Required Minimum Distributions due Dec 31. Take from IRA/401(k) at 73+.
Charity gifts
Tax-deductible if itemizing. QCDs from IRA tax-free.
Password audit
30 minutes. Update breached passwords. Especially banks.
Backup photos
Verify cloud backup is working. Try restoring one photo as test.
Subscription cleanup
Cancel unused. Apple ID → Subscriptions. Often $30+/month forgotten.
Tax docs
Set up folder for 1099s arriving in January. Saves panic in March.
Quick Tip: Block 1 December morning. Run through checklist. Stress-free new year.