December is your last window to shape this year's taxes. A handful of well-timed moves can shift thousands — but only before the calendar flips.
Once January 1 arrives, most of your options for the prior year are gone. The weeks before year-end are when planning turns into real savings.
Moves to consider
- Top up retirement contributions before the deadline
- Defer or accelerate income to manage your bracket
- Make planned business purchases for the deduction
- Harvest investment losses to offset gains
- Bunch charitable giving into a single year
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