As Ben Franklin quipped, "nothing is certain but death and taxes." These days, tax changes are also certain.

Major or minor tax acts seem to debut nearly every year, compounded by additional regulations and opinions from the Internal Revenue Service (IRS) and rulings from the tax courts.

Consider the massive 2001 and 2003 tax acts. Various provisions of the acts went into effect on different dates and applied for different lengths of time. And the entire 2001 act is scheduled to revert to prior tax law by 2011— unless Congress extends some of the act's provisions! Like the 2001 and 2003 acts, the Pension Protection Act of 2006 has a major and broad-based impact on tax policy and law as well.

So how do you navigate this complex, shifting, and often confusing maze of tax laws? More importantly, how do you best take advantage of these changing laws in order to improve your financial life and accomplish your family's dreams?

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