As November begins, you may be thinking about the holidays, vacation planning and maybe even snow removal. What you might not have thought about is year-end planning. Year-end is a confusing and complex time, both for businesses and individuals alike. There’s a lot to consider, forms to be filled and meetings to be scheduled. Plus, with the continuing impact of tax reform and various other regulations, there’s even more to think about as 2019 closes and 2020 opens.