Travis Anderson, managing member at TBH Advisors, connects with Barron’s Advisor’s’ Steve Garmhausen to provide tips on how taxpayers can best utilize their refunds this year. “The first thing we tell people is if you’ve been loaning the government money and you’re getting a refund, the first step is to make sure you’re paying yourself first. Figure out what you can do to minimize overpayments. Talk with your CPA and employer on adjusting withholdings if needed, or adjusting 1099 estimated payments,” explains Anderson.