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

1. Introduction
2. HSA MythBusting: The Triple-Tax Trifecta
3. 2025 Limits & Eligibility
4. Investing Your HSA (Stop Parking It in Cash)
5. The Delayed Reimbursement Hack
6. Age 65 Perks & Rule Changes
7. The One-Time IRA-to-HSA Transfer
8. 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

____________________________________________________________________________________________
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 Advisor Networks 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.

Just inherited a traditional IRA and dreading the 10‑year payout rule? Episode 17 of The Perfect Retirement Plan? podcast shows you how to shrink that looming tax bill instead of sacrificing your windfall.

Phillip Smith, Marine‑turned‑financial‑planner at Tidepool Wealth Strategies, unpacks the SECURE Act’s 10‑Year Rule, then introduces his IRA‑to‑401(k) Conduit strategy, a tax-efficient way to offset taxable inherited‑IRA withdrawals with boosted pre‑tax 401(k) contributions. You’ll hear a clear step‑by‑step example, learn how to avoid bracket creep, discover why HSA contributions add an extra tax shield, and spot common pitfalls late‑career professionals face when inheritances collide with peak earnings. Whether you’re 55, 60, or a high‑income Gen X executor, this episode delivers practical, tax‑savvy tactics to keep more of your legacy working toward retirement goals.

Hit play to master inherited‑IRA distribution planning, Roth conversion timing, 401(k) contribution limits, and proactive tax management. Then subscribe and ring the bell so you never miss new insights on retirement income, Social Security optimization, Medicare costs, and investment strategy. Know someone Googling “avoid taxes on inherited IRA?” This episode may offer some help!

#InheritedIRA #RetirementPlanning #TaxPlanning #Retirement Advice #TaxesInRetirement

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

____________________________________________________________________________________________
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 Advisor Networks 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.

Are spiraling healthcare bills, a sudden market crash, or a nasty tax bite keeping you up at night? In Episode 16 of The Perfect Retirement Plan? podcast, Phillip Smith, CFP® (Oregon‑based wealth manager, Marine veteran, and host) dissects the five biggest retirement fears: outliving your savings, skyrocketing medical costs, portfolio‑crushing bear markets, loss of identity after work, and stealthy retirement taxes. Packed with statistics (current as of 2024), real client stories, and and a little humor, this deep‑dive delivers actionable tactics late‑career professionals can use right now. Discover sustainable withdrawal guardrails, Roth conversion timing, bucket strategies, Medicare & Medigap cost planning, tax‑efficient IRA and 401(k) rollover moves, and a simple “purpose portfolio” approach that keeps life meaningful long after the paycheck stops. If you’re 55–65 and wondering, “Will I run out of money in retirement?”, hit play, and then sleep a little easier knowing you’ve got a roadmap.

#RetirementPlanning #RetirementFears #RetirementAdvice #FinancialAdvice

🎧 Listen now, share with a friend, and smash Subscribe (plus the notification bell) so you never miss future episodes on retirement income planning, tax efficiency, investment strategy, Social Security optimization, and legacy building. Visit TidepoolWealth.com for more resources. ​

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

____________________________________________________________________________________________
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 Advisor Networks 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.