It’s November, which means my phone starts ringing with clients asking about year-end tax planning. And honestly, if you haven’t looked at your tax situation yet this year, you’re not behind—most people wait until now anyway. The reason we do this before December 31st is pretty straightforward: once the calendar flips to January, almost everything that could’ve helped your 2024 taxes is locked in. You can’t go back and change it. So let’s talk about…