Just an update on a couple of "end of the year" items:
1) Taxes: While no one loves to pay them it is a law to get them done. The vast majority of accounts (TD Ameritrade custody using DFA funds) should have 1099's available on the 7th of February. They will be available in your Tax Documents on the TD Ameritrade client website.
2) IRA/Roth contributions: You can still make 2016 tax year contributions to your retirement accounts until April 15th - however, I recommend getting them done much sooner if possible. Maximum contributions for those under 50 are $5,500 in 2016 and $6,500 for those 50 and older. You must have "earned income" to make a contribution. While contribution limits are higher for Solo 401k accounts the contribution deadlines are the same. If you need to send a check, remember to make it payable to TD Ameritrade and reference your account number and year the contribution is for on the "memo" line. Send checks to: TD Ameritrade Institutional, PO Box 919094 San Diego, CA 92191-9094.
3) RMD and other distributions: If you are already receiving monthly RMD distributions these have automatically been changed to your new RMD amount for 2017. Other distributions you have previously requested on an ongoing basis will remain the same unless you communicate otherwise (please call as opposed to email these changes).
4) Rebalance: As a reminder, we "rebalance" accounts to their target allocation once annually unless market conditions warrant a mid-year rebalance. For this year, the vast majority of rebalances have already been completed but for clients with short term capital gains (the kind you pay high tax rates on) we are waiting for a full year before executing trades in your accounts. For clients with allocation across multiple accounts we wait until all accounts are essentially free of these gains before executing the trades.
Please give me a call if you have questions on any of these items or an anything else. Have a wonderful 2017!