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A step-up in basis can save your heirs thousands in capital gains taxes by resetting an inherited asset’s value to its fair market price. From real estate to stocks, this strategy ensures wealth passes tax-efficiently and cleanly across generations. Learn how it works, what assets qualify, and why gifting too early could cost your family big.

Most people use their HSA to cover medical bills—but it can also be a powerful retirement tool. With triple tax benefits (tax-deductible contributions, tax-free growth, and tax-free withdrawals for medical expenses), your HSA can grow like an IRA. Invest the balance, save receipts, and use it later for tax-free reimbursements. It’s one of the most overlooked strategies for long-term, tax-efficient retirement planning.