H3 Exhaust the Free
Certified Financial Planner glossary · Certified Financial Planner
Definition
Use match, HSA, standard deduction, credits, and other zero-cost statutory benefits before paid products.
H3 Exhaust the Free in plain English
A 55-year-old couple is ready to "max everything," and an annuity pitch arrives before the HSA is funded. H3 Exhaust the Free says use match, HSA, standard deduction, credits, and other zero-cost statutory benefits before paid products. A classic exam sequence is filling the HSA family limit plus catch-up at 55 before chasing extra unmatched deferrals or commissioned wrappers. Free statutory space is scarce and should not lose to a product that merely feels sophisticated. Grab the match and the tax-free wrappers first.
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