Just remember that now is the time to discuss with your broker ‘tax harvesting’. This is the process of matching capital losses to capital gains at the end of the year to wipe out capital gains taxes. Talk to your financial advisor now about whether you have a capital gain for the year, either through capital gain distributions in your mutual funds or through sales of stock or mutual funds throughout the year. If so, have him/her identify any assets you can sell at year end to generate capital losses to offset those gains. If you have a stock with a loss you don’t want to sell, sell it anyway to get the losses, then buy it back in 32 days, otherwise the wash sale rules apply.