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A Head Start on Next Tax Season

Apr 28, 2026 | Market Updates

With tax season behind us, this is a good time to look ahead and evaluate planning opportunities for the year ahead. Two areas that may be worth reviewing are Health Savings Accounts (HSAs) and Roth strategies, both of which can play an important role in long-term tax planning.

The passing of the One Big Beautiful Bill Act (OBBBA) created additional planning considerations in areas such as HSA eligibility and broader tax strategy, making this a good time to review your options.

Health Savings Accounts (HSAs)

For those who are eligible, an HSA can be a highly tax-efficient savings tool. HSAs generally offer three potential tax advantages:

Contributions may be pre-tax or tax-deductible
Earnings can grow tax-deferred
Withdrawals for qualified medical expenses may be tax-free

Eligibility requirements apply, and not everyone will qualify to contribute. If you are eligible, an HSA may be worth considering as part of your broader financial plan.

Roth Accounts (IRA, 401k and conversion)
Roth accounts can be valuable planning tools for some investors. In general, the tradeoff is paying taxes now in exchange for the potential for tax-free qualified withdrawals in retirement, subject to IRS rules.

Depending on your situation, strategies to consider may include:

Roth IRA contributions
Roth 401(k) contributions
Roth conversions

It is also important to note that Roth IRA contributions are subject to income limits, while Roth 401(k) contributions and Roth conversions generally are not. For higher-income earners, a backdoor Roth IRA strategy may be worth evaluating, though it involves specific tax rules and may not be appropriate for everyone.

The right Roth strategy depends on several factors, including your current tax bracket, future income expectations, time horizon, and ability to pay any taxes associated with a conversion.

Since partnering with Altruist, we’ve expanded the tools and flexibility available to support in-depth tax-aware investment management. If you haven’t recently reviewed your tax planning strategies, let’s talk and coordinate with your CPA to see what may make sense for your situation. Schedule a complimentary consultation with us.

And as always, your weekly market update is here.

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