When you’re trying to cut your tax bill, year end tax planning can only go so far. Most tax-saving strategies take months to implement, so review your options now to save later.

Here are the top three tax-saving strategies you should execute midyear:

1. Consider Your Tax Income Bracket 
The top income tax rate is 39.6% for taxpayers with taxable income over $418,400 (singles), $444,550 (heads of households), and $470,700 (married filing jointly; half that amount for married filing separately). If you expect this year’s income to be near the income threshold, start thinking now about how you can reduce your taxable income and stay out of the top bracket.

For example, you could take ty to defer income and accelerate deductible expenses. (This strategy can save tax even if you’re not near the threshold or you can’t avoid the bracket.)

You could also shift income to family members in lower tax brackets by giving them income-producing assets. However, this strategy won’t work if the recipient is subject to the “kiddie tax.” Generally, this tax applies the parents’ marginal rate to unearned income (including investment income) received by a dependent child under the age of 19 (24 for full-time students) in excess of a specified threshold ($2,100 for 2017).

2. Look at the Investment Income 
During 2017, the capital gains rate for taxpayers in the top bracket is 20%. If you’ve realized, or expect to realize, significant capital gains, consider selling some depreciated investments to generate losses you can use to offset those gains. It may be possible to repurchase those investments as long as you wait at least 31 days to avoid the “wash sale” rule.

Depending on the future of the health care and tax reform legislation, you also may need to plan for the 3.8% net investment income tax (NIIT). Under the Affordable Care Act, this tax can affect taxpayers with modified adjusted gross income (MAGI) over $200,000 ($250,000 for joint filers).

The NIIT applies to net investment income for the year or the excess of MAGI over the threshold, whichever is less. Therefore, if the NIIT remains in effect, you may be able to lower your tax liability by reducing your MAGI, reducing net investment income or both.

3. Plan for Future Medical Expenses
The threshold for deducting medical expenses is 10% of AGI. You can deduct only expenses that exceed it. Though this threshold could be affected by reformed health care legislation.

Deductible expenses may include health insurance premiums (if not deducted from your wages pretax); long-term care insurance premiums (age-based limits apply); medical and dental services, and prescription drugs (if not reimbursable by insurance or paid through a tax-advantaged account); and mileage driven for health care purposes (17 cents per mile driven in 2017). You may be able to control the timing of some of these expenses so you can bunch them into every other year and exceed the applicable floor.

Here are just a few ways to reduce your 2017 tax bill during midyear. To further benefit from midyear tax planning, consult your tax advisor. If you wait until the end of the year, it may be too late to execute some of the strategies that would save you the most money.