I currently have an employer-provided HSA through UMB. My contributions are entirely allocated to VBTLX as part of my 25% overall bond allocation. The issues I have with this HSA are as follows:
Would it be preferable to continue pre-tax contributions to my HSA at UMB and then transfer those to Fidelity once annually?
Is it even feasible to coordinate with my employer pre-tax contributions to my Fidelity HSA instead?
Would my life just be easier if I made post-tax contributions to an HSA with Fidelity?
- I am unable to maximize my contributions at the beginning of each year because my employer requires pre-tax contributions to be divided up among the 26 pay periods each year.
- There is a $3.00 investment account administration fee each month.
- I am constantly having to follow up with my benefits office because I'll have money withdrawn from my paycheck that won't transfer over to my HSA for several weeks.
Would it be preferable to continue pre-tax contributions to my HSA at UMB and then transfer those to Fidelity once annually?
Is it even feasible to coordinate with my employer pre-tax contributions to my Fidelity HSA instead?
Would my life just be easier if I made post-tax contributions to an HSA with Fidelity?
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