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Year-round tax planning is most effective, with special focus in Q4 for tax-loss harvesting, January–April for prior-year returns, and around major life events.
Year-round tax planning is most effective, but especially important in Q4 (Oct–Dec) for year-end tax-loss harvesting and Roth conversions; January–April for reviewing prior-year returns and IRA contribution deadlines; and around major life events such as a new job, bonus, business sale, or inheritance.
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