Tax-Smart Moves, Powerful HSAs, and the New Retirement

This episode covers three topics that can have a big impact on your financial future: how to avoid a surprise tax bill next year, why a Health Savings Account (HSA) may be one of the most underutilized retirement assets, and how retirement planning has changed (it’s not your parents’ retirement anymore).
In this episode:

• Why the IRS is a “pay-as-you-go” system—and what to change if you owed this year

• Withholding vs. quarterly estimated payments (and when each applies)

• Social Security and retirement distributions: common tax withholding blind spots

• HSAs explained: the triple tax advantage (and why it matters)

• Key HSA rules before and after age 65, including Medicare timing

• Why retirement may last 30–40 years—and why flexibility beats a “perfect forecast”

💵 About Dollars & Sense: 💵
Hosted by Joel Garris, a Certified Financial Planner and Fiduciary at Nelson Financial Planning, Dollars & Sense is one of Central Florida’s longest-running radio programs and a top 25 financial planning podcast. Each week, Joel and his team provide expert insights to help you make sense of all your financial decisions.

👉 Visit our website: nelsonfinancialplanning.com for more resources and to connect with our team of Certified Financial Fiduciaries.

About Joel Garris:
Joel Garris is a Certified Financial Planner and Fiduciary at Nelson Financial Planning. He’s dedicated to providing comprehensive financial advice to help you achieve your retirement goals. With a team of expert advisors, Nelson Financial Planning is committed to delivering personalized and effective retirement and financial planning solutions.

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