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Insurance & Financial Protection, Employer Benefits Mike Heatwole, CFP®, AWMA® Insurance & Financial Protection, Employer Benefits Mike Heatwole, CFP®, AWMA®

The One Change You Should Make This Year During Open Enrollment

Open enrollment is the perfect time to make small adjustments that can create a big difference in your financial future. This article explains why increasing your retirement plan contributions by just 1% each year can significantly grow your savings over time.

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Retirement Planning Mike Heatwole, CFP®, AWMA® Retirement Planning Mike Heatwole, CFP®, AWMA®

Social Security Spousal & Ex-Spousal Benefits

Navigating Social Security can be confusing, especially when it comes to spousal or ex-spousal benefits. Did you know you may qualify for benefits even if you never paid into Social Security? This article explains how eligibility works, how benefits are calculated, and strategies for deciding when to claim.

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Retirement Planning, Employer Benefits Mike Heatwole, CFP®, AWMA® Retirement Planning, Employer Benefits Mike Heatwole, CFP®, AWMA®

Your HSA: A Powerful Retirement Savings Vehicle?

A Health Savings Account (HSA) is more than a tool to cover medical expenses, it can be a powerful part of your retirement strategy. With tax-deductible contributions, tax-free growth, and tax-free distributions for qualified medical expenses, HSAs offer a unique opportunity to build long-term savings.

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