Individual income taxes, whether paid through employer withholding or quarterly estimates, are probably one of your largest annual expenditures. So, just as you would shop around for the best price for food, clothing or merchandise, you want to consider opportunities to reduce or defer your annual tax obligation. We recently published our annual Tax Letter for Individuals that is intended to assist you in that effort. Also, at the end of the tax letter is a list of federal tax law provisions to help individuals save and pay for higher education costs. Here is the link: http://bit.ly/8KDJOH