Savings & Investments


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Health Savings

A health savings account (HSA) can help you stay on top of rising health care costs and provide you with tax-deferred savings. To keep your balance when faced with mounting medical expenses, a health savings account may be a viable tool for you. With it’s various features and financial benefits, you’ll not only have protection against major health care costs, but a potential reservoir of savings if you don’t need the HSA assets for medical expenses. Learn more about HSAs and find out if you are eligible to have one.


Traditional/Roth IRA

An Individual Retirement Account (IRA) is a long-term savings program designed to encourage retirement saving by individual taxpayers that may be tax deductible. Make sure to check with your tax adviser to decide on the best IRA investment option for you.


A Coverdell Education Savings Account (CESA) allows you to make nondeductible contributions on behalf of a child each year until the child reaches the age of 18. The earnings generated on the CESA contributions remain tax deferred while held in the CESA. Then, when a child uses CESA assets to pay for qualified education expenses, the contributions and the earnings are distributed tax-free.