If you contributed less than the legal maximum to your HSA account through payroll deductions during 2012, you can still top out your 2012 contributions now and cut your 2012 taxes.

FORBES: Millions Of Americans Can Cut Their 2012 Tax Bills--And Don't Know It

If your savings were below the proposed cap, you could continue making contributions to the account, although the maximum amount allowed would be subject to the lower IRA limits.

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That evening, brokers at Morgan Stanley Smith Barney, a part of the firm that deals with individual investors, were told that their allocations of Facebook shares had been raised to a maximum of 5, 000 per account, from roughly 500 shares.

WSJ: Morgan Stanley Was 'Driver' on Facebook's Wild IPO Ride

If you don't feel comfortable contributing a full 20% of your income to retirement and long- term savings, at least stash the maximum into your employer's retirement savings account, an IRA or self- employed retirement plan.

NPR: Untangle Your Finances Before Tying the Knot

The maximum loan by law is 50% of the vested account balance, and must be repaid within five years through payroll deductions.

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Another lost opportunity is that this client could have sheltered their entire taxable account over the last four years by putting the maximum amount allowed into a Roth IRA. At this point that means the additional taxes that could have been completely eliminated, not only for the current year, but for the rest of their lives.

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If you are investing outside a tax-sheltered account, a diced-up portfolio gives you the maximum opportunity to harvest losses for the tax deductions.

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In this calculation your account is fully charged for any losses in the stock market but is credited with a maximum positive return of only 7%.

FORBES: Guaranteed to Go Up