We're on a mission to help you maximize every HSA dollar
RETRO was founded with a simple idea: no one should miss out on the HSA's triple tax advantage just because no one explained how it works.
The Problem We're Solving
of HSA assets are held in cash, not invested¹
tax advantage — the only account with all three tax benefits
max individual contribution for 2026 (IRS)
¹ Devenir 2023 Year-End HSA Research Report
Our Story
It started with a frustrating realization. After years of contributing to an HSA, our founder discovered he had left over $10,000 sitting in cash instead of investing it. That cash could have grown to $25,000+ in the same time period.
Worse, he wasn't maxing out contributions—missing out on thousands in tax savings. And when he changed jobs, he had no idea what to do with his HSA.
That's when RETRO was born. We built a platform that shows you exactly how much you're leaving on the table with your HSA and gives you clear, actionable steps to fix it. No financial jargon. No complicated spreadsheets. Just your money, optimized.
Leadership
Samuel Davies
Founder & CEO
Former Product Strategy and Product/Business Operations at Yext, Unqork, and Intuit. Princeton alum. Currently pursuing his MBA at Columbia Business School. Building the future of HSA optimization.
Connect on LinkedIn →Advisors
Dagim Girma
Advisor
Former Capital One, Goldman Sachs. Babson alum. Fintech operator with deep expertise in consumer financial products.
Connect on LinkedIn →
Kyle Rodegher
Advisor
Morgan Stanley Financial Advisor. CFP. Babson alum. Specializes in 401(k) and equity compensation planning.
Connect on LinkedIn →Our Values
Your Money Matters
Every dollar you leave on the table is a dollar you can't use for healthcare or retirement. We obsess over finding every optimization opportunity.
Education First
We don't just tell you what to do—we explain why. Understanding your HSA is the first step to optimizing it.
Radical Simplicity
HSAs are confusing enough. We break down complex tax advantages into simple, actionable steps anyone can follow.
Privacy Protected
Your financial data stays on your device. We calculate your gaps locally without storing sensitive information.
Our Mission
"To help every American with an HSA understand its full potential and stop leaving thousands of dollars on the table every year."
The HSA is the most powerful tax-advantaged account available—with triple tax benefits no other account offers. Yet most people treat it like a simple checking account. We're here to change that.
What RETRO Does
AI-powered expense classification (rules, IRS Pub 502, NPI, AI, LMN)
HSA scan and gap calculation
Free HSA education and gap calculator