The end of the year is approaching, and time is running out for 2021 tax planning.  Compounding the problem is the uncertainty around taxes.  Pandemic, massive spending proposals and a record high level of debt have created an impasse in Washington and increased levels of anxiety among wealthy clients.  Over the last year, the Biden administration and Congress have proposed several unprecedented changes to taxes that would impact investing for affluent clients.  With the specter of tax reform and the end of the year on the horizon, my guest today, Ryan Bertrand, is here to provide guidance for financial advisors.