Tax season is underway, but it’s not too late to lower your income tax payments. Local financial planners and tax preparers say there are still steps you can take to cut your taxes and increase your refund.

The first place to start is reducing your taxable income, tax specialists said. An easy way to do that is to contribute to an Individual Retirement Account, or IRA. You have until April 15 to create a new IRA account or make contributions to an existing one.