Confusion and complexity around IRA/401k to HSA conversion rules and tax implications

People with traditional IRAs or 401(k)s want to maximize tax-advantaged healthcare savings through HSA transfers but face confusing, contradictory rules about eligibility, contribution limits, and tax consequences. Current solutions require navigating fragmented IRS guidance, financial advisor consultations, or trial-and-error approaches that risk costly mistakes. The lack of clear, accessible guidance causes people to either miss optimization opportunities or make irreversible errors with significant tax penalties.