5 Ways to Save on Taxes: These strategies can protect your clients' money and reel in...

The year-end holiday season is upon us, but lurking right around the corner is the specter of another perennial: the tax man. To minimize the tax bite incurred during this period, clients can harvest losses, choose tax-efficient investments and leverage their charitable donations. Traps for the unwary abound, however, giving brokers who master the rules an opportunity to shine.

Not that taxes should ever trump investment strategy. "You should be making decisions based on your overall situation, your goals and financial plan-not based solely on tax consequences," says S