Do this now, before the end of the year! There are certain things you need to do to take advantage of before the year’s end. Flexible Savings Account:  If you don’t use it, you may just lose it. Health Savings  Account: Are your maxing it out? And are you investing It? Required Minimum Distributions (RMD) – Don’t forget to take it or you may be penalized. Qualified Charitable Distributions: Now is a great time to contribute to a charity using your RMD. Tax loss harvesting: In a year like we are having, it could be a good time to sell securities for a loss to get a deduction. But be aware of the wash sale rule. Capital gains distributions: Be careful of what mutual funds you buy toward the end of the year as they may have a capital gains distributions. Health insurance: Don’t glaze over your options and consider ACA if your income is lower. You could qualify for a subsidy. Roth Conversions: Is now a good time to consider a roth conversion? When markets are low it could mean a great opportunity.