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Black Friday already? Where did the year go? The good news: No matter whether you’re retired or on retirement’s doorstep, there’s plenty you can do before the end of 2013 to avoid giving Uncle Sam more than his fair share of your hard-earned income.

Here’s a laundry list of what experts suggest:

Do a dry run

Lest you do something that you might regret later on, consider taking stock of where you are and where you want to be with your tax return. “The last couple of months of the year is an excellent time to do a dry run on your tax return,” said Andrea Blackwelder, president of Wisdom Wealth Strategies. “By November or December, we have a fairly accurate idea of our income and deductions. However, the timing also provides ample time to take advantage of tax-saving strategies, such as last-minute 401(k) contributions, tax harvesting and charitable contributions.”

Read full article at: ow.ly/rnJYX