As a financial planner, I have always urged my clients to do their taxes twice a year. And though I’ve grown accustomed to hearing the grumbling about the hassles, after they realize how great an impact it can have on reducing their tax burden, they are always glad I suggested it.

Why file twice a year? Obviously the first tax return is for the purpose of filing before the April 15 deadline. The other “filing”  is actually a mock return done before the end of the calendar year so that I can assess where they stand tax wise. This gives me the needed time and flexibility to “change the score” of