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What is an annuity?

  • People usually purchase annuities to provide or supplement retirement income.

  • Immediate annuities typically begin paying after one-year of premiums.

  • Deferred annuities are long-term plans that begin paying many years later.

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What is a Health Saving Account?

  • HSA contributions are pre-tax money that grows tax-free and is withdrawn tax-free.

  • Use the funds on eligible medical expenses such as deductibles, copays and coinsurance, plus other qualified medical expenses not covered by your health insurance.

  • HSA balances roll over from year to year.

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