• March 2018 Newsletter

    The reason I named my book Top of the First is that we are early in the process of integrating retirement health care issues into our financial plans. This is particularly evident with the use of the Health Savings Account (HSA). In previous newsletters, I described the basics of HSAs and their potential to accumulate substantial retirement income. In short: Deposits into an HSA account are pre-tax. Earnings accumulate tax-free. Withdrawals for qualified medical expenses are tax-free. The decision to fully fund an HSA, abstain from making any withdrawals and therefore fully invest the HSA for retirement is taking hold with financial advisors. This is especially true with advisors’ personal…