WE ALL KNOW WHERE WE'RE HEADED:

How would you like a triple-tax-free way to save for certain retirement expenses?

No, this isn't the latest Nigerian email scam. Rather, it's the very real advantage of a Health Savings Account (HSA), an investment vehicle available to those with qualifying high-deductible health insurance plans.

The pretax money you put in is meant to be used for that year's unreimbursed health costs, but unspent funds can be rolled forward to grow tax-deferred and withdrawn tax-free at any later date to pay for health care.

After 65, you can also tap the account for nonmedical expenses without penalty; those withdrawals will be taxed as income just like a traditional IRA.

Considering that a 65-year-old couple leaving the workforce today can expect to spend $220,000 on health care, as Fidelity reports, it's no wonder HSAs are gaining traction as a retirement savings tool. "They're the best deal in town," says Scottsdale, Ariz., financial planner Dana Anspach, author of Control Your Retirement Destiny.

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