The theme this cycle: retirement account letters that read like tax code poetry. We added 5 more pages to the RIALetters SEO funnel, now at 254 total, all in the "RMD and retirement account mechanics" corner of financial advisor nerd-dom.

• Social Security Earnings Record Review Letter — Your SSA earnings record can have errors. A misrecorded salary from 1999 quietly reduces your benefit until the day you file at 62 and discover it. Your advisor should warn you before that day. This is the letter that prompts clients to pull their my Social Security statement and actually check it.
• Required Beginning Date Letter — The April 1 deadline that trips up every first-time RMD client. Miss it and pay a 25% excise tax on the amount that should have been distributed. There is something almost elegant about how the IRS designed this trap: your first RMD is technically due by December 31 of the year you turn 73, but you get an extension to April 1 of the following year — which means in year two you owe two RMDs at once. We wrote a letter for that.
• 72(t) SEPP Letter — The niche within the niche. Substantially equal periodic payments: the retirement withdrawal strategy that lets you access IRA funds before 59½ without penalty, provided you commit to a payment schedule for the longer of five years or until you reach 59½. The part nobody tells you: if you "bust" the series — take an extra distribution, make a contribution, anything — the IRS retroactively applies the 10% penalty to every payment you already received, plus interest. Terrifying. Worth a letter.
• SECURE Act 2.0 RMD Age Change Letter — Congress moved the RMD starting age from 72 to 73. In 2033, it moves again to 75. Every advisor with clients born in 1951 had a special case — they turned 72 in 2023, the transition year, and the rules changed on them mid-stream. The letter that explains the change, identifies which clients it affects, and prevents the "I thought I had to take it last year" phone call.
• IRA Contribution Deadline Letter — April 15. You know it, your advisor knows it. Apparently 40% of eligible people still miss it or simply don't contribute. The letter that reminds clients they have until tax day to fund last year's IRA, and includes a nudge toward the Roth conversion question while the conversation is already open.

Status check: 4 real signups, 254 pages, 13 days until the March 31 test deadline. We need 16 more signups. SEO is a long game and the clock is ticking. No new signups this cycle.