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Listen to Money Wisdom with Jake Doser, CFP®, CPWA® and Nicholas J. Colantuono, CFP® and gain key financial insights to help you make informed decisions for your future. Jake and Nick aim to provide clarity and guidance, addressing your questions and shining a light on the real financial challenges facing today’s retirees.

Oct 17, 2025

Health Savings Accounts (HSAs) might be one of the most underrated tools in all of financial planning and today we’re going to tell you why. Nick and Jake will explain the three major benefits of an HSA and how to use it strategically before and during retirement. You’ll learn how to make the most of this “triple tax advantage,” including deductible contributions, tax-free growth, and tax-free withdrawals. There aren’t many financial tools that give you three layers of tax advantages, but the Health Savings Account (HSA) is one of them.

Here’s what we discuss in this episode:

🏥 What an HSA really is and how it works

🧾 Why HSAs beat most other tax-advantaged accounts

💳 Using an HSA for immediate medical expenses

🧠 The long-term strategy: treating it like an investment account

 

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