The December holidays are here, so tax season cannot be far behind.

Advisors need to consider many strategies before the end of the year with clients to help them minimize taxes.

Robert S. Keebler, an author on numerous wealth transfer and tax issues and a tax consultant for financial advisors, says advisors often overlook tax strategies that could benefit their clients. Keebler is a partner at Keebler & Associates LLP, a tax advisory and CPA firm in Green Bay, Wis.

He has compiled a list of tax tips that advisors should keep in mind. Here are the ones he told Financial Advisor magazine he considers to be the 10 most important.

No. 10: Harvest capital gains to the extent the 0 percent capital gain rate applies.

No. 9: Consider “low‐turnover” strategies to defer capital-gains income.

No. 8: Use life insurance or annuities to avoid or defer taxes.

No. 7: Put bonds in pre‐tax qualified plans, such as 401(k) plans, and put stock in Roth and taxable accounts.

No. 6 Use IRA conversions or distributions to “fill‐up tax brackets.”

No. 5: Determine how life-changing events, such as selling a business, will affect your tax bracket so tax-saving adjustments can be made in advance.

No. 4: Consider making charitable contributions with appreciated securities.

No. 3: Use limited partnerships and outright gifts of appreciated assets to shift income to younger family members.

No. 2: Use all available options for post‐mortem IRA planning, including spousal rollovers and life expectancy distributions.

No. 1: Consider deferring capital gains for older clients to obtain a step‐up in basis at death.