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Our Articles

How to Recontribute Funds to HSA Bank
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When you receive reimbursement for an expense you’ve already paid from the HSA, that portion of your HSA distribution is no longer a qualified medical expense and must be recontributed to avoid tax.

2021 Tax Facts
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Here is a reference chart with 2021 income tax rates, capital gains rates, retirement contribution limits, and more.

Baby Registry Guide from a Financial Planner
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There are many questions that first time moms ask their veteran friends. Among the top list is, what do you really need to care for a baby?

#TBT What Is The Alternative To An Annuity?
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It is always a good time to be reminded that an immediate fixed annuity is not an investment; it is an insurance product. This 2015 article by David John Marotta is a methodical unraveling of annuities and a description of the far superior alternatives.

Save the 1099-R from Your Roth Rollovers
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It is easiest to simply save your 1099-R and its numbers with your record of all your Roth IRA contributions.

How to Set Beneficiaries on Your HSA with HSA Bank
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When an HSA is left to a non-spouse, the account stops being an HSA.

Radio: Eliminate the Corporate Tax
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On Tuesday, April 13, 2021, David John Marotta appeared on Radio 1070 WINA’s Schilling Show with Rob Schilling to discuss corporate tax rates.

#TBT Best Practices for Trusts, Foundations, and Endowments
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“If you have been asked to serve as a board member or trustee for a non-profit organization, feeling honored is a natural response but a terrible reason for saying yes to the job. Your role as committee member, board member, or trustee will likely designate you as a fiduciary, a role with specific legal responsibilities.”

Keep Track of Your Roth Contributions
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Going forward, keep track of all your contributions in a file alongside where you store your tax returns.

How to Invest an HSA with HSA Bank
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We recommend keeping all but the funds needed to pay the annual deductible for your health insurance plan invested in your HSA investment account.

Radio: Raising the Minimum Wages Hurts the Already Disadvantaged
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On Tuesday, March 9, 2021, David John Marotta appeared on Radio 1070 WINA’s Schilling Show with Rob Schilling to talk about raising the minimum wage.

#TBT Which is Better: Bad Market Timing or Not Investing?
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This 2014 post reminds us that perhaps we should be more afraid of cash and inflation than stocks and investing.

Two Ways to Fix Social Security Filing Mistakes
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If you are still in your 60s, the good news is your decision doesn’t have to be permanent. You actually have two ways in which you can change your benefit amount.

A Review of Fair Trade Efforts and Sweatshops
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Before you assume that moral licensing such as Fairtrade is the only ethical consumerism, think again. Understanding how such licensing works shows how little good it actually does.

How to Fund an HSA with HSA Bank
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There are two ways to make an HSA contribution. You can contribute by mailing a check or you can link an external checking account.

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