The fourth quarter is when most of the year’s tax savings are won or lost. By April, the window has closed on nearly everything that matters. Here are the five moves our in-house CPAs review with every client this fall.
1. Fill your bracket with a Roth conversion
2. Harvest losses, and gains
3. Give appreciated stock instead of cash
4. Check your equity compensation calendar
5. Use your annual gift exclusion
None of these moves stands alone. The right answer depends on your income, your plan and next year’s picture, which is why we look at all of them together.
