Financial advisor? See the advisor page.
Every HSA on a return is a representation you're signing without evidence: that distributions on the 1099-SA trace to qualified, unreimbursed, never-deducted expenses. HSAProof turns that from a client's shrug into a workpaper — and turns you into the CPA whose files answer letters by return mail.
Your linked client's ledger reconciles the 1099-SA against recorded reimbursements per year and flags any gap in red before you inherit it. Form 8889 line 15 arrives pre-computed from documented expenses, not memory. The Schedule A interplay is handled the way an examiner reads it — specific identification: expenses a client deducted are marked, excluded from the reimbursable balance, and listed transparently in the packet, so the double-benefit question is answered before it's asked. February you will want to hug September you.
An IRS notice questioning HSA distributions is usually a shoebox archaeology engagement billed at your worst realization rate. With a ledger client it's a print job: the packet opens with the statutory basis (§223(f); Notice 2004-50, Q&A-39), pairs every expense with its insurer adjudication and the bank record that paid it, states each tax year's return status and 1099-SA reconciliation, and closes with a tamper-evidence statement — the event log is hash-chained and the packet verifies the chain in print. Electronic-records practices track Rev. Proc. 97-22: byte-identical originals, SHA-256 fingerprints, indexed retrieval, one-click reproduction. The full authority mapping is public — verify it against a packet in ten minutes; we welcome the scrutiny.
The backfill project: a one-time paid engagement reconstructing 3–5 years of a high-balance client's history — the software does the matching; you review and bless it. The Medicare transition: clients turning 65 need the premium series configured and the Medigap trap explained — a planning touchpoint that renews annually. The estate file: per-person attribution plus the one-year §223 rule means an executor's packet can be worth five figures; be the CPA who prepared it before it was needed. Extension season: the ledger's year-end summary makes HSA cleanup a checklist item instead of an email chain.
Solo — $299/yr for 25 linked clients. Firm — $999/yr for 100 across your preparers. Clients link by redeeming your invite code and can revoke anytime; you see summary figures and proof status, never medical documents — clean under your confidentiality obligations, and nothing enters your document-retention scope. Client packets carry "Prepared with the guidance of [your firm]." Every client keeps full data export on any plan — their records remain their records, which is exactly what you'd advise.
Free plan includes every export, forever. Not tax advice — that part is your job.