Health Savings Accounts (HSAs) are quasi-retirement accounts because of the ability to save tax at contribution, not be taxed on the earnings if the contributions are invested, and withdraw funds tax-free if the funds are used to pay for qualified medical expenses from either current or prior years. 

The tax treatment of HSAs is so favorable, that a contribution to it can end up making an individual wealthier than a contribution to a qualified employer-sponsored retirement account including the employer’s matching contribution! 

This fact raises the issue of whether there is a tax-efficient order for investing (e.g., HSAs, Roth and Tax-Deferred Retirement Accounts, Nonqualified) and Paying Down Debts? This presentation presents the tax-efficient order that will maximize wealth.

In “Are Health Savings Accounts better than a 50% employer-match on a 401(k)?” by Greg Geisler, you will:

1. Learn when an employee’s HSA contribution increases wealth more than an employer’s 401(k) matching contribution and vice versa;
2. Learn the order to invest and pay down debts to maximize wealth;
3. Be able to rank order all of the different ways to invest under the income tax law: HSAs.

 Your presenter is Greg Geisler, PhD, CPA, Clinical Professor of tax accounting at Indiana University-Bloomington.

Greg received his PhD from University of North Carolina-Chapel Hill, is a Clinical Professor of tax accounting at Indiana University-Bloomington. He teaches a course called “Income Tax and Individual Financial Planning.”

He publishes articles at the intersection of income tax and financial planning. Specifically, in the last ten years he has published 6 such articles in the Journal of Financial Service Professionals and 7 such articles in the Journal of Financial Planning (JFP), including one that received the 2017 "Montgomery-Warschauer Award" for most outstanding article contributing to the betterment of the financial planning profession.

At his previous university, he was awarded the only 2017 Chancellor’s Teaching Excellence Award.

He has been quoted in the Wall Street Journal and many times in the financial press and on newscasts. 

Moderator: Betty Meredith, CFA, CFP®, CRC®, Int’l Retirement Resource Center

1 hr CFP®, CRC®, and other CE Credit Reporting

We will report your CFP® and/or CRC® credit (no additional reporting fee) checkout.  After purchase you will receive an email with a token. Please redeem token to take this course. You will receive another email explaining where to enter your CFP® and/or CRC® IDs  You are responsible for reporting all other certifications for CE credit. 

Overall Rating: 4.2 / 5

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