If you were surprised at tax time this year, then you’re not alone. 2022 tax refunds were about 10 percent smaller than they were last year, and for those who owed money, they tended to owe more than they expected.  The good news is, there’s still time to plan out how to lower your tax bill for next year - or at least feel more aware of what you will owe or receive. Taking the time now to make Continue Reading