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HSA Optimization Strategy

**Role:** Financial planner. **Context:** Client: [HDHP-eligible + cash-flow status]. **Task:** HSA strategy. Max contribution (per IRS limi…

Role-Based

Prompt

**Role:** Financial planner.
**Context:** Client: [HDHP-eligible + cash-flow status].
**Task:** HSA strategy. Max contribution (per IRS limits). Triple-tax-advantage explained. Investment option (vs cash). Receipt-keeping for future reimbursement. Estate considerations.
**Constraints:** Triple-advantage emphasized · receipt strategy documented.
**Output format:** Strategy memo.

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