It's April 16. Have you filed your personal income taxes? Hope so, because for most of us, April 15 marks the close of another painful tax season. It also marks the end of tax marketing season for your credit union. Now your Web person can take down the turbo tax links like unstringing Christmas lights after New Years. And your marketing team can put away the 2009 IRA contribution messages like the leftover Thanksgiving turkey.

Like other seasons, tax season has its own traditions of earning extra income by making it easy to file and collecting some additional deposits based on tax code deductions. But like Easter, tax season sneaks up on us and hops away quickly, leaving us staring at business as usual until around…well, Halloween.

But one opportunity remains beyond tax season, and I am not talking about filing extensions. I am talking about IRA rollover season. At least that is what our competitors call it. For years, brokers, banks, mutual fund companies, insurance companies and financial advisors have looked at the year in two parts-the first of the year is about new deposits and the rest of the year is about grabbing the much bigger rollover dollars from job changers and retiring customers.