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Category: Retirement

Don’t Sacrifice HSA Tax Benefits in Retirement

February 18th, 2021

“And what happens if you suffer the misfortune of living longer than the average person after turning age 65 . . . ? Why not preserve those Health Savings Account balances for qualified expenses and make withdrawals for non-qualified expenses from the account only after you exhaust your traditional IRA balances? Think of it as […]

Stretch Your Retirement Dollars with the Right Account

July 9th, 2020

“Each couple sacrificed the same amount of immediate consumption during their working years. Each earned the same return. Each incurred the same level of medical expenses in retirement. Yet the Health Savings Account owners were able to stretch their money an additional six or eight years because of the more favorable tax treatment of their […]

Strengthening Medicare and Seniors’ Finances

January 13th, 2020

That’s hardly a formula for preserving Medicare, is it? Someone else was willing to assume full financial responsibility for your claims, but Social Security rules forced you to enroll in Medicare and forego some of the financial benefits of your group coverage. And then faced with the loss of financial benefits of a Health Savings […]

Don’t Let IRMAA Crash Your Retirement Party

November 14th, 2019

“To quote those commercials for 70s rock CDs, grout cleaners, and chia pets, ‘But wait, there’s more.’ . . . Health Savings Accounts appear, by my math, to be septuple-tax-advantaged account – with four distinct advantages over traditional 401(k) plans and IRAs.” William G. (Bill) Stuart Director of Strategy and Compliance November 14, 2019 You’ve […]

Age 65 in Sight? Avoid Some Pitfalls

September 5th, 2019

“The decision around when to sign up for Social Security benefits is complicated . . . Just be aware that one of the negative consequences of collecting Social Security benefits is that if you’re age 65 or older, you can’t make or receive additional Health Savings Account contributions.” William G. (Bill) Stuart Director of Strategy […]

A Dangerous Intersection

May 16th, 2019

” [Y]ou may have to pay a permanent premium surcharge if you don’t’ enroll when you’re first eligible. But you may not. And it may make sense to incur future penalties in exchange for immediate financial benefits” William G. (Bill) Stuart Director of Strategy and Compliance May 23, 2019 Readers of this column know that […]

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New Hampshire Location
967 Elm Street
Manchester, NH 03101
Directions to this office

Mailing Address
Benefit Strategies
P.O. Box 1300
Manchester, NH 03105-1300

Toll Free: 1-888-401-FLEX (3539)
Phone: 603-647-4666
Fax: 603-647-4668
Email: info@benstrat.com

Hours of Operation:
8am to 6pm Monday - Thursday
8am to 5pm Friday