Across
2. Appreciated
4. Dividends
6. Exclude
8. Gifts
10. Defer
13. Accelerate
14. Receipt
16. RMD
17. Bonus
18. Flexible
Down
1. Convert
3. Dispose
5. Withholding
7. Education
9. Purchase
11. Exemption
12. Appraisal
14. Recognize
15. Consult