Top 10 HSA Risks (401(k)s and HSAs, Better Together, Part Three)
Superior Health Savings Account (HSA) designs avoid the Top 10 risks—risks of commission and omission. Done right, HSA-capable coverage will complement your 401k plan—in both the accumulation and decumulation phase
Why HSAs and 401(k)s Are Better Together (Part Two)
Those who save in both a Health Savings Account (HSA) and a 401k can achieve a superior, synergistic outcome – dramatically better than participation limited to only one of the two accounts
HSAs and 401ks—Better Together (Part One)
Even if all HSAs assets are expended on pre-retirement qualifying medical expenses, they will help in retirement preparation by leveraging tax preferences
Most Young People Should Not Save For Retirement in Their 401k
401k plans can be very effective tools for smoothing consumption over a lifetime
Congress: Did You Ever Have to Make Up Your Mind?
Are the tax preferences for assets in retirement savings plans intended for retirement? If so, you may want to stop proposing legislation that enables and encourages leakage
Maryland’s State-Run IRA Is Different, Better, and Still Less Than Optimal
At this point, ALL Maryland workers would be better served by saving in a superior alternative
The 401k as an ‘Asset Magnet’: Helping to Avoid Rollover Ripoffs
Features of specific value to active and term vested/retired participants include ...
State-Run IRAs Are Similar, and Suboptimal: Opinion
Payroll deduction is so 20th Century
More Problems with Lifetime Income Disclosures
They may worsen after updates
How to Avoid Self-Defeating Financial Wellness ‘Solutions’
Consider implementing a financial intervention as necessary for every new hire