 Reactive is when you take all your 1099s and W-2s, you give them to a guy, and a couple of days later, he gives you your return. Not a lot of long-term tax savings there. But if you are forward-looking or work with a tax professional who's forward-looking, they may be able to identify changes in your behavior that could create longer-term tax savings. And that's where more of the big money is. But again, please work with a qualified professional who's forward-looking and not just reactively doing your return.