It's that time of year. And what you do now -- yes now, not on Dec. 31 -- can make a big difference on your 2016 tax bill. We've already gone over three less obvious things you can do to get your portfolio in tip-top tax shape before year's end. Here is a checklist of last-minute items you need to double-check now: Watch Your Required Minimum Distributions even if you're not 70 and a half. If you changed jobs, let your new employer know that you were already contributing to a 401(k) at your old job. And, take advantage of the Nonbusiness Energy Property Credits.