Contribute to a traditional 401(k) or 403(b)
Contribute to a traditional IRA
Use a Health Savings Account (HSA)
Use a Flexible Spending Account (FSA)
Maximize pre-tax commuter benefits
Contribute to a dependent care FSA
Harvest investment losses to offset gains
Hold investments longer to qualify for lower capital gains rates
Deduct mortgage interest if eligible
Deduct state and local taxes if eligible
Deduct charitable donations if eligible
Deduct business expenses if self-employed
Deduct self-employment health insurance premiums if eligible
Deduct half of self-employment tax if self-employed
Use the standard deduction if it is higher than itemizing
Defer income to a later tax year if possible
Accelerate deductible expenses into the current tax year if beneficial
Claim eligible education tax credits and deductions
Claim eligible child and dependent tax credits
Use a solo 401(k) or SEP IRA if self-employed
Take advantage of tax-loss harvesting in taxable accounts
Invest in tax-efficient index funds or ETFs
Use municipal bonds for tax-free interest income
Make deductible contributions to a donor-advised fund
Claim home office deductions if eligible
Track and deduct mileage if eligible
Keep records of all deductible expenses
Consult a qualified tax professional