Funny thing about taxes: most people approach them backward. They sit worn between January 1 and April 15 and start sifting through the records of things they’ve already done, looking for ways to save. The problem is, by then it’s too late to take advantage of many of the tax-saving opportunities that do exist. A smarter way to approach the task would be to look ahead, not behind. You should chart a year-round tax strategy that will yield the lowest possible tax bill come next April 15. Si