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What you need to know about Health Savings Accounts & more

Joseph Chornyak, Sr.
Chornyak & Associates
Joseph Chornyak, Sr.

HSAs or Health Savings Accounts can provide significant tax deductions as well as help you deal with rising health care costs. However, they are not for everyone.  Please read this month's lead article to learn if an HSA makes sense for your family.

I found an intriguing article in Forbes magazine that I think you might find interesting.  It points out some danger signs that may indicate that you may not be as secure in your job as you think you are.  We can no longer be complacent in our career position as we may have been in the past.  With people changing jobs on an average of every three years, we have to be circumspect and willing to stretch our comfort zone.

Student loan debt has been in the news a lot recently.  Did you know that some institutions of higher learning in the U.S. are actually doing away with loans as a means of student financial aid?  Choosing carefully the college or university that your children attend can help control the amount of debt they incur and have to pay off upon graduation.  Don't miss this significant article from Yahoo! finance.

With more than 30 years' experience in the financial planning field, Joe is the managing partner of Chornyak & Associates. His financial advisory philosophy is based upon broad investment diversification and conservative risk taking.

He separately holds Series 7, 63, and 24 registrations as an Investment Adviser Representative of Commonwealth Financial Network®. In 2009, Joe was named among the nation's top investment advisors by Barron's1 and was listed among the top 25 independent financial advisors in the United States by Registered Rep2 magazine in August 2010. He attended The Ohio State University business program and received the CERTIFIED FINANCIAL PLANNER™ professional certification in 1982.

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