A Self-Directed IRA gives you the opportunity to make investment decisions in areas based on your knowledge and expertise. From real estate to private lending, you can choose from a wide variety of different types of investments allowed.
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"For over 36 years, The Entrust Group has provided account administration services for self-directed retirement and tax-advantaged plans. Entrust can assist you in purchasing alternative investments with your retirement funds, and administer the buying and selling of assets that are typically unavailable through banks and brokerage firms."
A Health Savings Account (HSA) is
2018 | 2019 | |
High Deductibles/Out of Pocket Limits | ||
Single Coverage - Minimum/Maximum | $1,350/$6,550 | $1,350/$6,750 |
Family Coverage - Minimum/Maximum | $2,700/$13,300 | $2,700/$13,500 |
Health Savings Account Contribution Limits | ||
Single Coverage | $3,450 | $3,500 |
Family Coverage | $6,900 | $7,000 |
Plus $1,000 catch-up contribution if you are age 55+ |
You can only make a contribution to an HSA if enrolled in an eligible high-deductible health plan (HDHP). You cannot be covered by another health insurance.
You may not make a contribution if you are enrolled in Medicare.
Both you and your employer can contribute to your HSA but the combined funding may not exceed the contribution limits outlined in the table above.
Your contribution doesn't have to be used in a particular year - funds continue to accumulate. This feature is an important one for many as medical expenses may be much larger in a particular year whiles other years may have fewer expenses. It is also worth noting that you do not lose funds if you change your health plan. However, you cannot use HSA contributions to pay for expenses incurred prior to opening the account.