As the year draws to a close, it’s time to start thinking about your taxes. By taking advantage of tax deductions and credits, you can reduce your tax liability and potentially increase your refund. Optimize Your Tax Withholdings First, review your W-4 form to ensure it’s accurate to avoid underpaying or overpaying taxes throughout the year. If you’ve experienced significant life changes, such as marriage, divorce, or job loss, adjust your withholding to reflect your current situation. Supercharge Your Retirement Savings Second, maximize your retirement contributions by contributing to retirement accounts like 401(k)s and IRAs. Don’t forget to take advantage of your employer’s matching contributions to boost your retirement savings.…