Retirement Done Right w/ David & Pat
Retirement Done Right is the podcast for smart, proactive retirees and pre-retirees who want to maximize their wealth, time, and lifestyle. Hosted by David Rath, CMT, CFA and Patrick Kalish, CFP® from Continuum Wealth Advisors, LLC, this show dives deep into retirement planning, investing, Social Security strategies, tax-efficient withdrawals, healthcare costs, and more—so you can retire with confidence.
Each episode delivers practical financial strategies, expert insights, and real-world advice to help you navigate the transition from career to retirement without stress. Whether you’re wondering how to create a reliable retirement paycheck, optimize your investments, or make the most of your golden years, Retirement Done Right has you covered.
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Retirement isn’t the end—it’s just the beginning. Let’s make sure you do it right.
Retirement Done Right w/ David & Pat
How To Use An HSA In Retirement & Create A "Stealth" IRA
In this episode of Retirement Done Right, hosts David Rath & Pat Kalish reveal why Health Savings Accounts (HSAs) are the most underrated tool in personal finance—triple tax benefits, healthcare funding, and even retirement income boosts most people never discover.
🔹 Key Takeaways:
✅ The HSA "Triple Crown" – Tax deductions going in, tax-free growth, and tax-free withdrawals for medical expenses
✅ Pro Strategies – How to use your HSA as a "Stealth IRA" (pay out-of-pocket now, reimburse yourself later)
✅ Surprising Eligible Expenses – Prescription sunglasses, fertility treatments, Medicare premiums, and more
✅ Retirement Healthcare Gap – Why HSAs are critical for covering $320K+ in future medical costs
✅ Action Plan – How to max contributions, invest wisely, and digitally track receipts for future tax-free withdrawals
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Disclosure
The information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. It should not be considered a solicitation to buy or an offer to sell a security. It does not take into account any investor's particular investment objectives, strategies, tax status, or investment horizon. You should consult your attorney or tax advisor.
Continuum Wealth Advisors, LLC (“Continuum”) is a registered investment advisor. Advisory services are only offered to clients or prospective clients where Continuum and its representatives are properly licensed or exempt from licensure.