Using HSAs as Retirement Savings Vehicles

Reporter: David LaMartina

Publication: ThinkAdvisor


Deadline: Apr 24, 2017 4:00 pm

HSAs are triple tax-advantaged savings vehicles – so why aren’t more retirees and pre-retirees using them? Can they potentially be useful or even more useful than 401(k) or IRAs? Are there situations in which pre-retirees should prioritize contributions to HSAs over more typical retirement accounts? This piece will be a brief, high-level overview of the how, when and why to use HSAs as retirement savings vehicles. What do advisors need to know about HSAs, in order to better help their clients? Where are the gaps in most clients’ knowledge, and what facts do advisors need to focus on to help them make the best, most informed decisions for their futures? Requirements: I’d like to speak with financial advisors who have helped clients use HSAs to fund healthcare costs (and perhaps other costs) in retirement.

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