Your Year-End Tax Checklist: 18 Moves Before December 31

Don't wait until April. The biggest tax savings happen before the year closes.

1. Max your 401(k) and HSA. 2. Harvest investment losses. 3. Convert IRA to Roth in low-income years.

4. Bunch charitable contributions into a donor-advised fund. 5. Pay January's mortgage in December for the extra interest deduction.

6. Defer self-employment income to January (cash basis only). 7. Accelerate January business expenses into December.

8. Review your withholding before the final paycheck. 9. Take RMDs if 73+. 10. Use FSA dollars before they vanish.