My sentiments exactly. By year-end I will have DCA'd well over the amount needed to convert the shares to lower-priced PRILX.
The only hiccup I had with them was that they held onto scandal-plagued WFC for too long as its largest holding - I sold out on principle back then, and bought it back for my Roth IRA the day I learned they closed the position.

I really like the Parnassus Core Equity Fund for the following reasons:
• Long-tenured managers (start dates of 2001 and 2012) who have over $1M invested in the fund
• Good downside protection
• Moderate turnover for an actively managed fund
• Portfolio is not overly diworsified (39 holdings as of 06/30/20)
• Good long-term performance
My HSA is invested entirely in PRILX.

I really like the Parnassus Core Equity Fund for the following reasons:
• Long-tenured managers (start dates of 2001 and 2012) who have over $1M invested in the fund
• Good downside protection
• Moderate turnover for an actively managed fund
• Portfolio is not overly diworsified (39 holdings as of 06/30/20)
• Good long-term performance
My HSA is invested entirely in PRILX.

I've owned Parnassus Core Equity Institutional (PRILX) in my HSA for several years. The fund's performance (especially during downturns), low costs (for an active fund), and experienced long-term management team influenced my investment decision. ESG characteristics were not my primary focus although I certainly appreciate companies that behave responsibly in the environmental and social realms.

Both spouse and I have inherited IRAs. I have stopped the RMD for mine. (Thanks for reminding me to make a note in her calendar).
I had intended to fund a HSA with that RMD. Now I plan to do that next year.

Actually it's being under reported worldwide IMHO -- look at this link and look at "expected deaths" and covid19 reported deaths. Interesting. https://www.economist.com/graphic-detail/2020/04/16/tracking-covid-19-excess-deaths-across-countries?fsrc=scn/tw/te/bl/ed/covid19datatrackingcovid19excessdeathsacrosscountriesgraphicdetail

There are many different features that lead someone to prefer one financial institution over another. I came up with a number of relatively minor features that I personally place some value in. Haven't found a single perfect institution though. YMMV.
- individual 401(k): free, Roth option, in-service distributions, investment options (full brokerage or house funds). See The College Investor for other features and major providers. Some brokerages provide Roth options; Fidelity and Schwab do not. Vanguard and T. Rowe Price do provide a Roth option, but limit investments to house funds.
- Retail HSA account (not through employer): free, no min cash balance required to invest. Fidelity is the only brokerage I know of that offers HSA accounts directly. Lively (an HSA provider) gives you a brokerage window to TD Ameritrade. See The HSA Report Card for detailed analyses of HSA providers.
- Cash management (bank) services: bill pay, checking, good interest (relatively speaking), ATM access. Vanguard has high interest and checking, but no bill pay or ATM card. At Vanguard and Fidelity, if your core account does not have enough cash to cover a check, they can automatically draw from another (higher yielding) MMF. Many brokerages other than Vanguard provide bill pay and ATM access with surcharge rebates. These features are not so important if you employ a regular bank account.
Schwab's ATM card charges no foreign (international) transaction fee; Fidelity's sometimes charges a 1% fee. Others tend to charge at least this much and may limit surcharge rebates to US ATMs.
- Fractional share purchases of stocks/ETFs (e.g. $100 exactly of MINT). This is something Schwab promised. AFAIK only Fidelity has delivered. (Robinhood rolled out fractional shares earlier this month but it doesn't support limit orders.) Fractional shares is the only "yet to use" feature on my list. It should make buying ETFs easier - more like mutual funds.
- Donor advised funds:low min to open, low grant min, low maintenance cost, low cost funds, wide variety of funds. T. Rowe Price seems to have the lowest "all in" (admin + fund expenses) cost for actively managed funds, but not lowest if using index funds. Fidelity and Schwab have the lowest mins and are low cost. Fidelity has a small advantage on fund costs and variety of funds. Not that one needs many funds for this type of account. It's convenient if the DAF account is with your brokerage as that makes contributing easier.
This list of 74 DAFs is about a decade old, but still gives a good sense of costs and what's out there.

Off-topic, but HSA contributions and earnings aren't tax deductible in CA (and AFAIK NJ).

Not déductible on state income in some states, but federally deductible in all.
https://irs.gov/publications/p969
State Info:
https://thehsareportcard.com/the-hsa-report-card-1/2017/12/2/any-bank-basiconlinecom

Off-topic, but HSA contributions and earnings aren't [state] tax deductible in CA (and AFAIK NJ).
[Thanks, @bee]

@bee Sorry if I'm being dense. My wife has an HSA through her employer. I understand contributions are tax deferred and I also understand it converts to IRA after you retire, or if you lose your job. What I didn't know however is you can invest it right away. First, will find out if the HSA is even invested is some fund at her employer plan. Second, if possible to divert funds into external fund.
However, most important question. Isn't investing it risky? I mean what if fund tanks right about the time you need to pay doctor and you run out of cash? For us, HSA just started last year and we used a bit of it of course already, so not much there at this time.

We have had many thorough conversations here at MFO. Here's what I searched:
https://mutualfundobserver.com/discuss/search?Search=HSA
Just a few points I have gathered about how an HSA works:
HSA is triple tax advantage. Tax deductible when contributed (you have many contribution options...including mutual funds...Fidelity seems to be providing a great platform for HSA investment options).
HSA's grow tax deferred. If used after 65 for non-medical withdrawals you will pay taxes in the year you make those withdrawals much like an deferred IRA. There is a 10% penalty for non-medical withdrawals prior to 65. There is no actual RMDs, but if you plan on reimbursing yourself later don't leave tax free withdrawals on the table forever...HSA withdrawal rules change for beneficiaries after you die.
Medically qualified withdrawals are always tax free at anytime and withdrawals can be reimbursable at a later point in time (this could be many years later) if you pay out of pocket instead of your HSA. Keep track of medical qualified expenses for these reimbursements. Keep track of what you have already paid for and what you plan on being reimbursed for. Make a spreadsheet...save records.
Inheritable HSA provisions are completely transferable to your spouse as a Spousal HSA. If your beneficiary is a spouse it continues to have tax-free withdrawal status. A non-spouse inherits an HSA much like an Inherited IRA (taxable)...Inherited HSA. If your beneficiaries are non- spouse(s) make sure you reimburse yourself before you pass. In this manner you have made a tax free withdrawal (your withdrawal is tax free while alive). Even if you don't need this withdrawal you can at least pass it tax free to beneficiaries.

@kings53man, I have been retired for more than five years and I may use my HSA to cover medical, dental, eye, prescription meds and most recently over the counter meds not covered by my Medicare PPO.

HSA doesn't convert to IRA after retirement. You can save all receipts and withdraw money from HSA account whenever you want. My employer HSA is with Fidelity and they allows us to invest anyway I want so I let the investment ride. No tax payment on withdrawal as long as you spend on deductible and vision expenses. I think recently the changes were passed where you can also use for OTC drugs (please confirm).

@bee Sorry if I'm being dense. My wife has an HSA through her employer. I understand contributions are tax deferred and I also understand it converts to IRA after you retire, or if you lose your job. What I didn't know however is you can invest it right away. First, will find out if the HSA is even invested is some fund at her employer plan. Second, if possible to divert funds into external fund.
However, most important question. Isn't investing it risky? I mean what if fund tanks right about the time you need to pay doctor and you run out of cash? For us, HSA just started last year and we used a bit of it of course already, so not much there at this time.

@bee can you please how you able to invest our HSA in BRUFX???

I simply set up an HSA account with Bruce Fund...I believe this was a paper application through the mail. I use my bank accounts billpay service to make month contributions electronically.
There website is spartan, but functions simply. No cash position. I am always invested 100% in BRUFX. I will eventually open another HSA with Fidelity where I can widen my fund choices and hold near cash.
I have done withdrawals from BRUFX for medical reimbursements, but I do this very in frequently. I consider the fund my Long Term Care policy which will hopefully fund / offset much of my healthcare costs in retirement.

@bee can you please how you able to invest our HSA in BRUFX???

I use BRUFX for my HSA. For taxable accounts I would consider VTMFX.
Others that come to mind:
FBALX
FPURX
VWELX
VGSTX
JABAX
CBUZX

Yes, we just put my wife into BRUFX. Rollover IRA.

I use BRUFX for my HSA. For taxable accounts I would consider VTMFX.
Others that come to mind:
FBALX
FPURX
VWELX
VGSTX
JABAX
CBUZX

I agree I can't imagine the IRS would ever think this was a washsale.

I think of net income in terms of total return. Investment gains are often part of taxable income. Marginal tax brackets do increase the drag on total return or better said marginal tax brackets diminish total return.
Most of us need a certain income to afford our life style. Recent data shows that ninety percent of income earners spend more than 100% of their earning so they need to take on additional debt as a means of affording their lifestyle. That math doesn't work.
Income graph:
https://screencast.com/t/rUJS2IeZ6ah
To your second point:
I remember having a conversation with a colleague who couldn't understand why I chose to retire early. My point to him was that he was working for the difference between what he would make (his work income) and what he would receive in retirement (pension income). I further pointed out that he could go elsewhere and work another full time or part time job making his total return (net taxes) much higher. Obviously by staying with his job he was adding years of service to his pension making his eventual pension income higher.
I consider taxes with regard to tax loss harvesting, Roth conversions, and potential qualifications for various benefits (HSA contributions, ACA Insurance subsidies, etc)
Taxes and tax brackets do have many nuisances (tax rules) beyond the marginal taxes brackets. I have always thought a simple flat tax would level the playing field.

Like VLAAX, I don't think you can go wrong with BRUFX...in both up and down markets. It is my sole investment for my HSA and I like the simplicity of their website. Not for everyone, but over the long term its one of my keepers.

I would be inclined to use Schwab or Fidelity in the decumulation phase (retirement), because they charge nothing to sell TF funds. Also, they both have excellent customer service, and FWIW both have offices that you can walk into.
If you're looking for a particular add on service (e.g. robo advisor) you should take a closer look at what each provider offers. Also, Schwab, like most brokerages tends to be a bit skimpy on what it pays on cash. That's usually not a concern with retirement accounts, though.
Finally, though this is probably obvious, you can move the accounts to a single provider but you're likely not going to be able to do much consolidation. Each of you must own your own IRAs, and if you have them, your own Roth IRAs. That's four accounts right there. If you have HSAs, those also have to be kept separate. I tend to think of those as retirement accounts as well. Fidelity offers retail HSAs, while Schwab does not.