The good news is that many in the industry have taken notice (as they tend to whenever credibility and reputations are called into question). What choice do retirement advisors have? None, really, not if they want to stay in business.

 $527 Amount per person the employer’s aggregate health care spending fell in the first year of the HSA.                  

Ill admit I still get a little homesick.

Carriers are still courting specific markets within the United States, including Hispanics, gay couples, up-and-coming Gen Yers, and women.