Open enrollment season is quickly approaching, and I want to make sure you take full advantage of all that's available to you, especially a Health Savings Account (HSA). The HSA is a powerful tool to help you save and invest in paying for your qualified medical expenses (QMEs) now and into retirement. It's become popular as more employers move to high deductible health plans (HDHP) to reduce insurance premiums. A critical note about an HSA is that you must choose an HDHP instead of traditional