Going through my mail the other day, I noticed three identical official-looking letters addressed to my wife, myself, and our daughter. Of course, it piqued my interest because letters of this nature are never a good thing. I opened the letter addressed to me and quickly realized it was from one of our healthcare providers.

​In the first of a series of instructional videos, Rob Rickey, CFP® showcases the capabilities of our new goals-based financial planning software from MoneyGuide.

One of the most powerful tools in retirement planning is one I find many clients resist using and that is the High-Deductible Health Plan (HDHP) with a Health Savings Account (HSA). Clients are reluctant to make that shift from a traditional medical plan to the HDHP with an HSA because of the higher out of pocket costs associated with higher deductibles. I find those that do make the shift often wish they had made it sooner once they have had a few years of savings built-up in their HSA and they see the long-term benefit of using the HSA as an additional retirement plan.