I’m not a tax advisor, but I do sell health savings accounts for a living, and I know how panicked some people can get at this time of the year – it’s time to file their taxes but they’re not quite sure what to do.

Experts at professional services company Towers Watson say recently released rules by the Internal Revenue Service should clear the path for more employers to renew their interest in cash balance and other types of hybrid pension plans.

In 2011, Americans face some changes to their income and benefits where a sense of urgency can be a good opportunity to better their finances.

With all the new health care legislation passed this year, many are wondering how flexible spending accounts will be affected.