Write a comprehensive guide to optimizing {{account_type}} for {{target_audience}} using a {{tone}} tone, with the primary goal of {{goal}}. Assume a 5-year horizon and ultra-aggressive risk profile. Structure the guide into 6 sections: Account Overview, Optimization Strategy, Investment Selection, Tax Optimization, Common Mistakes to Avoid, and Advanced Strategies. Each section must contain numbered steps with action titles, instructions, expected outcomes, and common pitfalls. Keep the guide under 1800 words in Markdown format. Every recommendation must be specific to {{target_audience}} and {{goal}}. If current-year tax limits are unknown, advise consulting a tax professional. Paste any relevant background information after these instructions before running.