Hopefully your adviser has also considered the MBCBP (UPA 22-B-2) and how that could benefit your retirement, and more importantly your estate. My triple tax advantaged HSA has done pretty well tracking the overall market gains this year. Paying medical expenses out of pocket (we are highly compensated professionals) allows you to treat the HSA as an investment vehicle which you can pass to your heirs. But, I’m no Oracle- just a pilot you also shouldn't take advice from.