Final-hour tax moves

While 2018 is almost up, there are a few tax moves worth considering:

• Make last-minute donations to your favorite charities to maximize your itemized deductions.

• Consider contributions of up to $100,000 from retirement accounts to qualified charities if you are over 70½.

• Look to make tax-efficient withdrawals from your retirement accounts if you are over 59½.

• Take advantage of the annual $15,000 gift-giving limit.

Avoid a rocky tax-filing experience by reviewing your current situation and maximizing your tax savings.