Health savings accounts can allow clients to save for retirement if the money isn't used to pay out-of-pocket medical expenses, writes Casey Murdock of WealthGuard Advisors. Tax-deductible HSA contributions aren't subject to income limitations and can be invested in the stock market and withdrawn after age 65, Murdock writes. "There aren't many things that are universally beneficial to clients, but health savings accounts are one of them," he writes.

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