We are well into the fourth quarter of 2021. In about two and a half months we will flip the calendars over anew to 2022. You know what that means? It means that now is a good time to make sure you did all the things you needed to this year regarding your retirement accounts. Are your named beneficiaries up to date? Did you undergo any major life changes in 2021 that may necessitate updates to information? Do you still need to take a required minimum distribution (RMD) for the year? Or did you intend to do a rollover in 2021 and not quite get to it? This are important questions that you may want to start asking yourself now. While none of them are immediate issues, they are things that may take a little time to complete and which, if not done by certain deadlines, can lead to painful penalties. Furthermore, it human nature to put things off until the last possible second, so if you need to talk to your wealth manager or financial advisor about another of the aforementioned questions, it might be good to talk with them now rather than later. Trust me, your financial advisor or wealth manager will be busy towards the end of the year and early next year with people who put off discussing these important questions until the last minute. Furthermore, it would be nice to just get any changes or RMDs off your plate before the holidays. One less thing to worry about. As I stated, if you have questions about any changes to your retirement accounts or want to move money between accounts, you should speak with a certified financial planner or wealth manager to make sure you do it right.