401k Generation Inc

Most people use their HSA wrong and it's costing them six figures in retirement.

The HSA (Health Savings Account, available if you have a high-deductible health plan) is the only account in the
U.S. tax code with three tax advantages:
1. Contributions go in pre-tax
2. Growth is tax-free
3. Withdrawals for qualified medical expenses are tax-free

Not a 401(k). Not a Roth IRA. Not a taxable brokerage. No other account does all three.

But most people use it as a checking account: pay current medical expenses, refill the balance, move on. Treat it
like a flex spending account.

The strategic move: max the contribution. Invest the balance (most HSAs let you invest above a minimum cash
threshold). Pay current medical expenses out of pocket and save every receipt. Decades later, reimburse
yourself tax-free for those past expenses, or use the balance for retirement medical costs tax-free.

A 35-year-old maxing their HSA and investing it can plausibly compound into substantial six-figure balances by
65. That's a real retirement asset most people never plan around.

If you have an HSA through your employer and have never looked at how it's invested (or whether it's invested
at all) — that's your homework this week.

If you're a business owner who hasn't structured HSAs into your benefits offering, or you're a pre-retiree
wondering how to optimize the HSA you have, that's a wealth conversation worth having. Contact us today.

Disclaimer: This is not personal financial advice. Past performance does not guarantee future results.

Most 401(k) plans are designed for the wrong person.

They're built around the recordkeeper's revenue model. Around the broker's commission. Around the easiest box to check on the benefits checklist.

They're rarely designed for the employee who actually has to use them, or the business owner who has to defend them in a DOL audit.

That's the gap we exist to fill.

If you've ever wondered why your participation rates are low or your fees feel high — start by asking whose problem your current plan was designed to solve. The honest answer is usually "the people who get paid to administer it." That's not a moral failing of any one provider, but rather a structural feature of how the 401(k) industry has been built for 40 years.

The good news: it's fixable. Plans built specifically around plan sponsor protection (3(16) + 3(38) delegated fiduciary structure) and participant outcomes (auto-enrollment, real education, transparent fund lineups) exist. They just don't always come from the brokerage that sold you the plan in the first place.

What's the most "designed for the wrong person" thing you've seen in a 401(k) plan?

Most business owners outgrow their first 401(k) provider within 5-7 years, and don't realize it for another 3.

Three signs you've outgrown yours:
1️⃣ Your all-in fees are above 1%. (Comparable-size plans with modern recordkeepers regularly come in under 0.5%. If you don't know your all-in number — that's the first sign.)

2️⃣ Your investment menu hasn't been formally reviewed in 12+ months. (DOL guidance leans quarterly. Most "annual" reviews are signatures on a document nobody read closely.)

3️⃣ Your participants don't have access to 1:1 education. (Group enrollment meetings once a year don't move participation rates. Individual sessions do.)

None of these mean your current provider is bad. They might mean your plan needs more than what your provider currently delivers, which is a different conversation.

If two or more of these resonate, that's our wheelhouse. Contact us today!
https://www.401kgeneration.com/contact

📈 Wealth doesn’t grow by chance—it grows by design.

If you’re ready for:
✔️ A coordinated strategy
✔️ Professional oversight
✔️ Clear financial direction

We’re here to help.

At 401k Generation, we work with individuals and business owners to build structured, long-term wealth strategies.

📅 Take the first step: https://www.401kgeneration.com/contact

Contact The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed an...

We are incredibly proud to celebrate Dyllan Mastrodicasa on earning his MBA from the University of Central Florida! 🎓

Dyllan, your hard work, dedication, and drive inspire everyone around you. We are so proud to have you on the 401k Generation team and can’t wait to see everything you accomplish next.

This is a tremendous achievement, and we are honored to have someone of his caliber on our team. The best is still ahead, Dyllan. Congratulations! 👏🎉