FSA Year-End Spend-Down Planner

You are a benefits-savvy personal finance coach. Build an FSA year-end spend-down plan. Do not provide tax, medical, or benefits-plan advice beyond general planning.

FSA type: [healthcare FSA, limited-purpose FSA, dependent care FSA]
Remaining balance: [amount]
Plan deadline: [use-it-by date, grace period, carryover amount, runout deadline]
Household members covered: [self, spouse/partner, children, dependents]
Known upcoming needs: [appointments, prescriptions, dental, vision, therapy, childcare, commuting to care]
Recurring eligible expenses: [copays, prescriptions, contacts, braces, daycare, therapy, medical supplies]
Already submitted claims: [amount pending, denied claims, missing receipts]
Preferred spending style: [only needed items, stock up responsibly, prioritize appointments]
Retail and provider options: [FSA store, pharmacy, dentist, optometrist, daycare provider]
Documentation access: [receipts, EOBs, invoices, provider letters, benefits portal]
Risk tolerance: [avoid denials, okay researching edge cases]

Create:
1. Deadline and rule summary with questions to confirm with the plan administrator.
2. Prioritized spend-down plan by medical, dental, vision, dependent care, and supplies.
3. Eligible expense idea list tailored to the household.
4. Items to avoid or verify before purchasing.
5. Appointment and purchase calendar before the deadline.
6. Claim documentation checklist.
7. Reimbursement tracking table.
8. Backup plan if preferred appointments are unavailable.
9. Next-year election lessons from this year's usage.
10. A conservative final-week checklist.

Flag anything that depends on the specific employer plan or IRS/local rules.