Ryan Greiser, CFP®

Helping Millennials cut taxes, boost income, and build wealth • @InvestmentNews Best Wealth Managers Under 40 • @Investopedia Top 100 FA • Tweets ≠ Advice

[Ryan Greiser, CFP® @Greiser]

The IRS rule no one mentions about using your HSA as a stealth IRA:

The audit clock starts when you take the distribution—not when you incurred the expense.

A receipt from 2025 may need to survive a 2046 audit.

Here's how to avoid a 20% penalty:

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[Ryan Greiser, CFP® @Greiser]

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Every Tuesday, I share one proven strategy to slash your taxes, boost your income, and build lasting wealth.

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[Ryan Greiser, CFP® @Greiser]

I’ve watched people inherit $400,000 at 58.

Perfect timing for a slightly nicer retirement.

Terrible timing for the career change at 35, the house down payment at 30, or the business they wanted to start at 40.

The amount is never the issue.

The timing almost always is.

The families who change trajectories aren’t necessarily the ones who leave the most money. They’re the ones who put it in the right hands at the right moment in the right life stage.

[Ryan Greiser, CFP® @Greiser]

@markcecchini

[Ryan Greiser, CFP® @Greiser]

If you love ideas like this, checkout my newsletter.

Every Tuesday, I share one proven strategy to slash your taxes, boost your income, and build lasting wealth.

Join 3,350+ subscribers: https://t.co/8VFQxouoWT

[Ryan Greiser, CFP® @Greiser]

Most people who do Roth conversions do them at the wrong time.

They convert when income is high—because they finally have the money to do it. But that’s when conversion is most expensive. You’re adding taxable income on top of already-high earned income.

The right window is a low-income year: a career transition, a sabbatical, early in retirement, or a year where RSUs don’t vest and bonuses are small.

The conversion strategy that actually works: convert enough each year to fill your current bracket without pushing into the next one. Do it systematically during low-income windows. Let the clock run for as many years as the tax-free compounding has left.

[Ryan Greiser, CFP® @Greiser]

A client had his best income year ever.

Then a surprise tax bill, penalties, a missed estimated payment.

His CPA's advice? Set aside more cash.

Todays article: the 7 questions that separate a tax planner from a tax preparer.

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https://t.co/GpPEj63JlH

[Ryan Greiser, CFP® @Greiser]

If you love ideas like this, checkout my newsletter.

Every Tuesday, I share one proven strategy to slash your taxes, boost your income, and build lasting wealth.

Join 3,350+ subscribers: https://t.co/8VFQxouoWT

[Ryan Greiser, CFP® @Greiser]

The same HSA advice goes viral every week:

“Pay out of pocket, invest your HSA, let it grow, reimburse yourself later.”

That advice is correct. It’s also incomplete.

The part nobody mentions: you need to keep every receipt. The IRS has no statute of limitations on HSA reimbursements—meaning you can reimburse yourself for a $400 dentist bill from 2019 in 2031. But only if you can prove the expense.

The strategy works best as a reimbursement account for documented medical expenses—not as a general investment account you tap whenever you feel like it.

[Ryan Greiser, CFP® @Greiser]

Rising income without intention just produces bigger problems at a higher income level.

I’ve seen this pattern enough times that it no longer surprises me:

The person at $150K stresses about money. They get to $300K. They stress about money. They get to $500K. They still stress about money.

The income grew. The gap between “learning” and “having” didn’t close.

Because income and wealth are not the same thing. Income is a flow. Wealth is the gap between what you earn and what you keep, compounded over time.

High income without intentional direction is just expensive financial anxiety.

[Ryan Greiser, CFP® @Greiser]

You’re optimizing the wrong thing.

Most people track their savings rate. A few track their investment returns. Almost nobody tracks their tax drag.

Tax drag is the annual erosion from dividends, interest, and short-term gains inside taxable accounts. At $500K, even a 1% difference in after-tax return is $5,000 per year. Compounded over 20 years at a modest growth rate, that’s a six-figure gap.

The highest earners I work with didn’t get ahead by finding higher returns. They got ahead by stopping the leak.

[Ryan Greiser, CFP® @Greiser]

@maxpashman Appreciate it, Max!

[Ryan Greiser, CFP® @Greiser]

The highest-leverage financial decision you'll ever make isn't a stock or tax strategy.

It's who you marry.

10 years ago she said yes when I hadn't figured anything out yet.

That decision compounded more than any account I've ever opened.

Happy anniversary, love.

[Ryan Greiser, CFP® @Greiser]

@RyanHaiss Appreciate it, Ryan!

[Ryan Greiser, CFP® @Greiser]

If you love ideas like this, checkout my newsletter.

Every Tuesday, I share one proven strategy to slash your taxes, boost your income, and build lasting wealth.

Join 3,350+ subscribers: https://t.co/8VFQxouoWT

[Ryan Greiser, CFP® @Greiser]

I remember the morning I realized the number I was chasing wasn’t the point.

I’d hit a savings milestone I’d been targeting for two years. I sat with it for about 20 minutes.

Then I set a new number.

I didn’t feel free. I felt like I was at the start of the same race, just in a different lane.

The moment I actually felt free was the first time I said no to something I didn’t want to do—not because I couldn’t afford to say yes, but because I didn’t have to.

The number matters. But it’s not what you’re actually after.

[Ryan Greiser, CFP® @Greiser]

What do most people confuse for high-leverage financial decisions?

Most of the time, when I ask clients what financial decisions they’ve been thinking about, they bring up investment picks, savings rates, or account optimization.

Rarely: income growth. Rarely: tax planning. Almost never: the cost of a bad career decision held for a decade.

I’ve seen a $40K raise create more long-term wealth than a decade of index fund optimization.

What’s a financial lever most people underestimate?

[Ryan Greiser, CFP® @Greiser]

@itsthewealth4me Appreciate the repost @itsthewealth4me

[Ryan Greiser, CFP® @Greiser]

@TylerPurcell24

[Ryan Greiser, CFP® @Greiser]

@markcecchini Disney kid movie formula:

Parents die... kid goes on a journey