As the year draws to a close, it's not just about festive decorations and holiday cheer; it's also an opportune time to take stock of your personal finances and implement strategic moves to save on taxes. By making informed decisions before the year-end, you can optimize your financial position and potentially reduce your tax liability. I’m including some smart strategies to consider as we approach the end of the year in this blog post.

If you're not familiar with HSAs, they are a great tool for managing your healthcare expenses while also providing tax benefits.

When it comes to retirement savings, a Roth IRA is an investment account that offers significant benefits. Not only does it provide tax-free growth of earnings, but it also allows tax-free withdrawals during retirement.