Retirees: Remember these year-end tax deadlines

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There are also some important considerations for retirees to keep in mind in order to save money in taxes or avoid large penalties.

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  After-tax dollars are contributed to Roth accounts, so anyone who follows the rules will take advantage of tax-free distributions later in life.

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There's no right answer to which account is right for you, but generally speaking, people in lower tax brackets contribute to Roths.

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They convert only in the year the taxes are due. This strategy is best for taxpayers who may be in a lower tax bracket than usual and pay less in taxes on the conversion.

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The consultants said estimating tax brackets is a great way to save money.

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The required minimum distribution deadline is December 31 of each year (except for those taking their first RMD, who can delay until April 1 after their 72nd birthday).

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With Tax-Loss Harvesting, another tax saving plan, selling currently loss-making assets builds your plan with put options.

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An important tax task at the end of the year is to ensure that you have properly estimated capital gains, losses and income.

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Retirees: Remember these year-end tax deadlines

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