{"id":11,"date":"2026-09-07T10:00:00","date_gmt":"2026-09-07T10:00:00","guid":{"rendered":"http:\/\/blogs.room-vu.com\/nelson-financialgroup-com\/2026\/09\/07\/us-hsa-strategy-for-retirement-flexibility\/"},"modified":"2026-09-07T10:00:00","modified_gmt":"2026-09-07T10:00:00","slug":"us-hsa-strategy-for-retirement-flexibility","status":"publish","type":"post","link":"https:\/\/www.nelson-financialgroup.com\/blog\/2026\/09\/07\/us-hsa-strategy-for-retirement-flexibility\/","title":{"rendered":"US HSA Strategy for Retirement Flexibility"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\" src=\"https:\/\/www.roomvu.com\/agent\/embed\/robert-nelson-4\/tax-deferred-bomb-remotion-videos-9ce0\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>After years in service\u2014both in uniform and now as a financial coach\u2014I know how crucial it is to protect not only your loved ones, but your financial future as well. For many families, building up substantial pretax 401(k) and IRA balances feels like a win, but those savings come with their own set of challenges down the road. Large balances can mean required minimum withdrawals that may drive up your taxes on Social Security and even increase Medicare premiums if you wait too long to create a plan.<\/p>\n<p>One approach I&#039;ve seen help families is to gradually use tax-deferred accounts while also selling appreciated assets within current capital-gains thresholds. This steady strategy can shrink your account balances over time, easing the tax burden of future withdrawals. Another option: consider converting a portion of your traditional IRA or 401(k) during lower-income years before those required withdrawals kick in. Doing so can move future growth into tax-free accounts, giving you more control over your tax picture in retirement.<\/p>\n<p>For those thinking about their legacy, keep in mind that a federal law now requires most heirs to empty inherited tax-deferred accounts within 10 years. That makes estate planning not just wise, but essential for families with significant balances. And starting next year, if you\u2019re over 50 and earning more than $150,000, catch-up contributions will shift to after-tax accounts\u2014a change designed to limit future pretax buildup.<\/p>\n<p>My mission is to help families take proactive steps like these, so you can protect your retirement savings and support the people who depend on you. With the right strategies, you can make informed choices and build a legacy for tomorrow.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>After years in service\u2014both in uniform and now as a financial coach\u2014I know how crucial it is to protect not only your loved ones, but your financial future as well. For many families, building up substantial pretax 401(k) and IRA balances feels like a win, but those savings come with their own set of challenges [&hellip;]<\/p>\n","protected":false},"author":459,"featured_media":12,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-11","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/www.nelson-financialgroup.com\/blog\/wp-json\/wp\/v2\/posts\/11","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.nelson-financialgroup.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.nelson-financialgroup.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.nelson-financialgroup.com\/blog\/wp-json\/wp\/v2\/users\/459"}],"replies":[{"embeddable":true,"href":"https:\/\/www.nelson-financialgroup.com\/blog\/wp-json\/wp\/v2\/comments?post=11"}],"version-history":[{"count":0,"href":"https:\/\/www.nelson-financialgroup.com\/blog\/wp-json\/wp\/v2\/posts\/11\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.nelson-financialgroup.com\/blog\/wp-json\/wp\/v2\/media\/12"}],"wp:attachment":[{"href":"https:\/\/www.nelson-financialgroup.com\/blog\/wp-json\/wp\/v2\/media?parent=11"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.nelson-financialgroup.com\/blog\/wp-json\/wp\/v2\/categories?post=11"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.nelson-financialgroup.com\/blog\/wp-json\/wp\/v2\/tags?post=11"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}