Offer more value to your clients—and help grow your business—with a Health Savings Account (HSA)
Paying for healthcare is the #1 financial concern among investors, including millionaires.
% of millionaires who have worries in each category of well-being
Source: Fidelity 2019 Millionaire Outlook Study.
The HSA lets you help your individual clients manage today's health care expenses
and plan, save, and invest for current and future health care needs.
It's an open architecture brokerage account with easy setup and ongoing management, and includes:
The ability to fund and transfer assets
Trading, reporting, correspondence, and service features
Cash management features, a debit card, checkwriting, and billpay
The HSA opportunity for broker-dealers and advisors
Helps to further diversify your business
Potentially increases your revenue and assets under management
Provides more value to your clients, deepens client relationships, and improves client retention
Supports small-business clients
Offers the option to have assets professionally managed
$34.4B in investable assets available1
In 2021, total HSA assets surpassed $98B, $34.4B of which is considered investable (i.e., not in a checking account) and is growing at a faster rate than total HSA assets.
The HSA benefits for your clients
Triple tax advantage
Pretax contributions
Tax-free qualified withdrawals
Tax-deferred earnings
It's the individual investor's money—and it stays with them
Completely portable for individual investors—Even if they move, change employers, or change health plans, their HSA stays with them.
No "use it or lose it"—The account belongs to the individual and does not need to be used each year.
Flexibility and choice
Use it now—Easy access for current qualified medical expenses
Save and invest for later—Provides the option to invest some or all of their HSA money for potential growth as a way to prepare for health care costs in retirement
Option for professional management of assets
Cash management capabilities
HSA-specific debit card provided to registered account owner for all accounts
Check writing
Electronic billpay
Awards & Recognition
Fidelity ranked the best HSA for savers and spenders by Morningstar for 4 years in a row3
Educational Resources
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