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Take on taxes

Changes for 2013, and tax-sensitive investing, saving, and estate planning strategies.

You may know your tax bracket—but that’s not really what you pay. In fact, the average American pays about 11% of income in federal income taxes. But that average hides a great deal of variation: Some pay nothing, and others pay more than 30%.1

What determines your percentage you will pay? A lot of it is based on how much you make, but you can affect your tax bill by knowing the rules, managing how you generate income, choosing what accounts you invest in, and taking advantage of potential deductions. This series of Viewpoints can help.

Take on 2013 tax returns
Seven tips that may help you avoid unpleasant surprises, and possibly even lower your tax bill.

Tame the Medicare tax
New health care taxes in 2013 may impact high-income investors and earners.

The AMT and you
Where the AMT stands, how likely you may are to be affected, and strategies to consider.
Got gains or losses?
A strong year for stocks and higher taxes on gains make tax-loss harvesting even more important.

Reduce taxes on gains
ETFs can be useful for tax-loss harvesting—selling securities that have declined to offset gains.

Three ways to help maximize year-end giving
Strategies that may allow you to give more to charity while reducing some of your taxes.
The tax and estate planning information herein is general in nature and should not be considered legal or tax advice. Laws of your particular state or your particular situation may affect this information. Consult your attorney or tax professional regarding your specific legal and tax situation.
ETFs are subject to market fluctuation and the risks of their underlying investments. ETFs are subject to management fees and other expenses.
Keep in mind that investing involves risk. The value of your investment will fluctuate over time and you may gain or lose money.
Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, Rhode Island 02917

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