Far too often, I see people waiting until December to tackle money moves that will help them take full advantage come tax season. But December’s a hard month to get things done and so waiting until the last minute is a roll of the dice.

Okay, okay, full disclosure: I can’t take all the credit for this topic. A client suggested this one to me and it was such a good idea, I couldn’t pass it up.  

For this month’s You Oughta Ask, we’ve tapped our good friend and Business Advisor at MACKEY, Kelley Long. She’s a wildly talented CPA, CERTIFIED FINANCIAL PLANNERTM professional, and personal finance specialist, with cutting-edge thoughts about what it means to retire in the modern era.