Tax planning is changing quickly, and the taxpayers who prepare early are often the ones who keep more of their money and avoid last-minute surprises. Here are the most important tax planning moves to review now, whether you are an employee, self-employed, retired, or running a small business. Review your withholding before year-end A tax refund can feel helpful, but it usually means too much money was withheld during the year. On the other hand, underwithholding can lead to