Recommended Tools & Resources
Everything you need to optimize your retirement taxes — from ACA subsidies and IRMAA planning to life insurance and tax-advantaged accounts.
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Health Savings Account (HSA) Providers
Open an HSA if you have a High-Deductible Health Plan. Triple tax advantage: deductible contributions, tax-free growth, tax-free medical withdrawals.
Fidelity HSA
No account fees, no minimum balance. Invest in any Fidelity mutual fund, ETF, or stock. Industry-leading HSA with full brokerage access.
Lively HSA
No monthly fees for individuals. Integration with TD Ameritrade for investing. Clean, modern interface with easy contribution tracking.
Traditional IRA Providers
Contribute up to $7,500 ($8,600 if 50+) for 2026. Deductible contributions directly reduce your MAGI.
Fidelity
No account fees, no minimums, $0 commission stock/ETF trades. Broad selection of zero-fee index funds. Excellent research tools.
Charles Schwab
No account fees, no minimums. Strong customer service and branch network. Proprietary low-cost index funds.
Vanguard
Pioneer of low-cost index investing. Lowest expense ratios in the industry. Owned by its fund shareholders — aligned incentives.
Solo 401(k) Plans
For self-employed individuals. Up to $24,500 employee deferral + 25% of net SE income as employer profit-sharing. Combined limit: $72,000.
Fidelity Solo 401(k)
No setup fees, no annual fees. Allows both employee deferrals and employer profit-sharing contributions. Easy online setup.
E*TRADE Solo 401(k)
Free to open and maintain. Access to stocks, bonds, ETFs, and mutual funds. Allows both traditional and Roth contributions.
Tax Preparation Software
File your taxes accurately to claim your ACA premium tax credit and report your pre-tax contributions.
TurboTax
Step-by-step guided tax preparation. Automatically imports W-2s and 1099s. Handles HSA, IRA, and self-employment deductions.
H&R Block
Online filing with optional in-person support. Competitive pricing. Good for filers who want access to a tax professional.
IRS Free File
Free federal tax filing for incomes under $84,000 (2026). Partner software includes guided preparation. No catch.
Health Insurance Marketplaces
Browse and compare 2026 ACA marketplace plans. Find your exact SLCSP premium for more accurate calculator results.
HealthCare.gov
Official federal marketplace. Browse and compare all available plans in your area. Apply for subsidies directly.
eHealth
Licensed insurance broker. Compare plans across carriers side-by-side. Free expert guidance from licensed agents.
Medicare & IRMAA Planning
Compare Medicare plans and understand how IRMAA surcharges affect your premiums. Use our IRMAA Planner to optimize Roth conversions.
Life Insurance & Estate Planning
Term life insurance can offset the widow's tax penalty — the annual tax increase a surviving spouse faces. Compare quotes from top carriers.
Policygenius
Compare term life insurance quotes from top carriers in minutes. Independent marketplace — not affiliated with any single insurer.
Haven Life
Affordable term life insurance backed by MassMutual. Apply online in minutes with instant decisions for many applicants.
Ladder Life
Flexible term life insurance that lets you adjust coverage as your needs change. No hidden fees, instant decisions available.
Find a Tax Professional
A CPA, enrolled agent, or tax attorney can verify that these strategies work for your complete financial picture.
IRS Tax Professional Directory
Official IRS directory of credentialed tax preparers including CPAs, enrolled agents, and attorneys near you.
AICPA Find a CPA
Search the American Institute of CPAs directory for certified public accountants by location and specialty.
NAEA Find an Enrolled Agent
National Association of Enrolled Agents directory. EAs are federally licensed tax practitioners who specialize in taxation.
ACA Subsidy Calculator
Optimize health insurance subsidies
IRMAA Medicare Planner
Plan Roth conversions around IRMAA
Widow's Tax Penalty
Surviving spouse tax impact
This page is for informational purposes only and does not constitute financial, tax, or insurance advice. We are not affiliated with any of the companies listed above unless noted. Always do your own research and consult qualified professionals before making financial decisions.