Author: kfisch

You Can Contribute Directly to Your HSA

I've written previously about the advantages of an Health Savings Account (HSA) account, particularly if you can afford to not reimburse yourself right away and instead use it as a stealth retirement account. The usual (and best) way to contribute to your HSA is through payroll deduction. That way it not only comes out pre-tax, … Continue reading You Can Contribute Directly to Your HSA →

Colorado PERA Lowers Fees for 401k and 457b Plans

Colorado PERA offers a fantastic 401k and 457b plan to all PERA-affiliated employers, which includes all public school employees. These plans are almost always better than the 403bs or 457bs offered through their school districts by other vendors (see Littleton Public Schools, Cherry Creek, Denver, Douglas County, and Aurora as examples). At Friday's Board Meeting, … Continue reading Colorado PERA Lowers Fees for 401k and 457b Plans →

TL;DR: Financial Literacy for Connecticut Public School Teachers: Optimizing Financial Decisions Based on Your CTRB Benefits

I just wanted to share my latest book (written along with Kristin Gemaly and Amy Rios), this one for teachers in Connecticut Public Schools, focusing on financial literacy and making the most of their CTRB pension benefits. Please consider sharing with any educators you know in Connecticut. This is the latest in the TL;DR Financial … Continue reading TL;DR: Financial Literacy for Connecticut Public School Teachers: Optimizing Financial Decisions Based on Your CTRB Benefits →

PERACare vs. ACA Marketplace: 2025 Edition

I've written previously about health insurance in retirement (and 2024 post) for members of Colorado PERA. As we are now in open enrollment for 2025, I thought I would update with 2025 numbers. But first, a little background. PERACare is health insurance that PERA retirees can get through PERA. It is guaranteed issuance (which was … Continue reading PERACare vs. ACA Marketplace: 2025 Edition →