The year is almost over, but it's not too late to take action to make the most of your money in 2014. At the top of your to-do list, four things stand out as being the highest priority before the end of the year.

In the following video, Dan Caplinger, The Motley Fool's director of investment planning, discusses these four things, including making sure you maximize retirement savings, use up your flexible spending account money, and consider taxes in your year-end decisions. Dan also looks closely at checking your investments, noting that huge rises in Gilead Sciences (NASDAQ:GILD), Best Buy (NYSE:BBY), Delta Air Lines (NYSE:DAL), and Facebook (NASDAQ:FB) have left some investors dangerously overexposed to the stock market. By looking at the appropriate risk level for your portfolio, you can make sure that your investments won't surprise you in a pullback and that you'll keep your money in 2014 working as hard as it can for you.