(Money Magazine) - President Obama has had hardly a moment to bask in his win. Looming ahead is January's so-called fiscal cliff - the tax hikes and spending cuts that will kick in automatically if the White House can't cut a deal with Republicans in Congress before year-end.

For you, that means uncertainty about the taxes you'll face in 2013 and beyond. Without an agreement, most marginal income tax rates will rise, and the top long-term capital gains rate will go from 15% to 20%.