Join our day-long live chat for free expert answers to your personal-finance questions. Thinkstock By the editors of Kiplinger's Personal Finance December 14, 2016 The holidays may be upon us, but festivities shouldn't push finances to the wayside. Now is the time to make some important moves before the end of the year. We have just the thing to help.Kiplinger's is again teaming up with the National Association of Personal Finance Advisors (NAPFA) to host a day-long personal finance Q&A, where you can get your money questions answered at no cost. NAPFA's expert advisers will be on hand Thursday, December 15, from 9 A.M. to 5 P.M. ET to provide valuable answers to your personal finance quandaries. Past topics have included: Saving for retirement with IRAs, Roth IRAs and 401(k)s Smart tax planning Generating and managing income in retirement, including Social Security claiming strategies Other financial challenges, from investing to saving for college to paying down debt. For more examples of advice shared in previous chats, check out the transcripts of our past chats. Block out some time in your calendar on September 15 to ask your most pressing financial challenge. If you can't make it, the chat room is already open for you to leave a question for the experts in advance. You can come back and read the transcript at any time, even after the chat is closed. Hope to see you then!