It's the end of the year, and most people are thinking about the holidays!  Well, we think about tax efficiencies for our clients, so I wanted to share a few tips that you might want to consider as we approach the end of the tax year.  This should not be taken as tax advice!  Consult with your own professional tax advisors to determine what strategies make the most sense in your situation.  Nonetheless, I hope you find it helpful.