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Retirement Plan Checkup Your retirement plan savings (that is, qualified plans and IRAs) are important to your financial well-being for several reasons. Right now, they are one of the last places you can accumulate income without currently paying tax.   Cash in on These Personal Tax Credits and Lower Your Energy Bill Beginning January 1, 2006, individuals are eligible for two new federal tax credits when they purchase and install materials or property to make their homes more energy efficient—the Nonbusiness Energy Property Credit and the Residential Energy Efficient Property Credit.   It's Year-end Tax Planning Time. . . Again There is still time to lower your 2006 tax bill and add to your tax-advantaged retirement accounts. Here are a few ideas to get you started.