Are you getting the most out of your Health Savings Account (HSA)? In this episode of The Perfect Retirement Plan?, titled “How Do I Maximize My HSA for Retirement?,” financial planner Phillip Smith of Tidepool Wealth Strategies walks late-career professionals (ages 55–65) through the powerful, often-overlooked features of the HSA, and how to use it as a tax-advantaged retirement tool. You’ll learn how to avoid common HSA myths, understand 2025 eligibility rules and contribution limits, and discover how investing your HSA (instead of parking it in cash) could grow your account into a six-figure healthcare war chest.
Phillip shares the “delayed reimbursement” hack, explains how HSA rules shift at age 65, and unpacks the one-time IRA-to-HSA transfer that can give your balance a boost. If you’re looking to enhance your long-term retirement cash flow, lower your tax burden, and align healthcare spending with portfolio and estate planning goals, this episode is a must-listen.
Episode Chapters
- Introduction
- HSA MythBusting: The Triple-Tax Trifecta
- 2025 Limits & Eligibility
- Investing Your HSA (Stop Parking It in Cash)
- The Delayed Reimbursement Hack
- Age 65 Perks & Rule Changes
- The One-Time IRA-to-HSA Transfer
- Action Steps & Closing
Thanks for tuning in to this episode of The Perfect Retirement Plan, and remember: it's not about having the smartest financial advisor, the most money saved, or the highest probability of retirement success. The perfect retirement plan, for you – is the one you act on.
Phillip Smith, CRPC AIF | Financial Planner
Tidepool Wealth Strategies
450 Country Club Road, Suite 350 | Eugene, OR | 97401
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Additional Disclosures:
The opinions contained in this material are those of the author, and not a recommendation or solicitation to buy or sell investment products. This information is from sources believed to be reliable, but Cetera Wealth Services, LLC cannot guarantee or represent that it is accurate or complete.
All investing involves risk, including the possible loss of principal. There is no assurance that any investment strategy will be successful.
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