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Incorporating Health Savings Accounts (HSAs) into Your Financial Planning Practice

5 (1 vote)

Most Americans are not saving enough for retirement. Further, we underestimate how much of retirement income will be spent on health care costs. Health savings accounts (HSAs) are well suited to fill this void by offering superior tax efficiency today coupled with the flexibility to meet retirees’ changing needs as they age. Join this session to learn how HSAs may benefit your clients and how incorporate them into their financial plans.


  • Differentiate between HSAs and other tax-deferred savings programs
  • Identify strategies to maximize your client savings via HSAs
  • Analyze the future of HSAs in this changing regulatory environment

Aaron Benway, CFP®

Co-founder, HSA Coach®

Aaron is a CERTIFIED FINANCIAL PLANNER® and Co-Founder of HSA Coach, an app available in the AppStore and GooglePlay that helps individuals track their health care expenses and manage their Health Savings Account, including providing HSA education and personalized financial contribution and savings calculators. Prior to founding HSA Coach, Aaron was CFO of HelloWallet, an online financial guidance application sold to employers as part of a financial wellness program. Morningstar (NASDAQ: MORN) purchased HelloWallet in 2014. Prior to joining HelloWallet, Aaron was the head of financial planning and analysis (FP&A) at General Motors (NYSE: GM) and before coming to GM Aaron was an investor at the private equity firm, The Carlyle Group (NASDAQ: CG). Aaron earned a degree in electrical engineering from the US Naval Academy and an MBA from Harvard Business School. Aaron is also an Eagle Scout.

Roy Ramthun

Mr. HSA, HSA Consulting Services

Roy is a nationally-recognized expert on Health Savings Accounts and consumer-directed health care issues. He led the U.S. Treasury Department's implementation of HSAs after they were enacted into law in 2003. President George W. Bush then tapped Mr. Ramthun to be his health care policy advisor at the White House, where he developed the President's proposals to expand HSAs while overseeing the implementation of the Medicare prescription drug benefit (Part D). He continues to be an advocate for consumerism in health care and is a frequent speaker at conferences and seminars around the country. Mr. Ramthun has over twenty-five years of health care and public policy experience, both in government and in the private sector. He has served on the staff of the U.S. Senate Committee on Finance and the U.S. Health Care Financing Administration (now known as the Centers for Medicare & Medicaid Services). He also spent eight years with Humana Inc. and led the West Health Policy Center for two years. Mr. Ramthun holds a Master of Science degree in Public Health from the University of North Carolina, and a Bachelor of Science degree from the University of Michigan.



Incorporating Health Savings Accounts (HSAs) into Your Financial Planning Practice
Open to view video.
Open to view video.
5 Questions  |  2 attempts  |  4/5 points to pass
5 Questions  |  2 attempts  |  4/5 points to pass
Course Evaluation
7 Questions
Certificate of Completion
1.0 CFP CE credit  |  Certificate available
1.0 CFP CE credit  |  Certificate available