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American Institute of CPAs - Personal Financial Planning (PFP)

Mar 11, 2022

It has long been a widely accepted rule of thumb to advise clients who want to work past the age of 65 to enroll in Medicare part A.  This episode of the PFP Section podcast covers the caveat to the rule that needs to be considered when clients want to continue to contribute to their health savings account. Kelley Long, CPA/PFS, discusses:

  • When it makes sense to postpone Medicare enrollment so that your client can continue to fund their HSA
  • Calculating the 6-month look back period to make sure contributions stop on time and how to fix ineligible contributions made
  • Examples of how this plays out with a family or a married couple
  • The power of the HSA post 65 

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This episode is brought to you by the AICPA’s Personal Financial Planning Section, the premier provider of information, tools, advocacy and guidance for professionals who specialize in providing tax, estate, retirement, risk management and investment planning advice. Also, by the CPA/PFS credential program, which allows CPAs to demonstrate competence and confidence in providing these services to their clients. Visit us online at to join our community, gain access to valuable member-only benefits or learn about our PFP certificate program.

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