Devenir Research Year-End HSA Market Statistics & Trends Executive Summary
|
|
- Marshall Hawkins
- 8 years ago
- Views:
Transcription
1 Devenir Research 2014 Year-End HSA Market Statistics & Trends Executive Summary REPORT RELEASE DATE: 2/11/2015
2 Table of Contents Key Findings... 2 HSA Industry Level Account Data... 3 Industry Contributions and Withdrawals... 3 HSA Investments... 4 HSA Marketplace Projections... 4 About Devenir... 5 Report Methodology The majority of this report was derived from the 2014 Year-End Devenir HSA Market Survey. This survey was conducted in order to continue to help shed light on the rapidly growing and evolving health savings account market. The survey was carried out in January, 2015 and primarily consisted of top 100 HSA providers in the health savings account market. All data was requested for the period ending on December 31 st, All estimates and projections reflect the current environment surrounding health savings accounts and are barring any regulatory changes to the market. Certain data points from the survey were omitted from this report due to inconclusive data or incomplete sample set. All statistics are produced using the best available data set, which may at times leave certain statistics not reconciling with others both within this report and with previous reports. Survey responses were self-reported by each HSA provider. Devenir attempts to verify responses when possible through a variety of channels including but not limited to press releases, annual reports, prior research, and FDIC filings Year-End Devenir HSA Research Report Executive Summary
3 Key Findings HSA accounts approach 14 million. HSA accounts rose to 13.8 million, holding over $24 billion, a year over year increase of 25% for HSA assets and 29% for accounts for the period of December 31st, 2013 to December 31st, Health plans drive growth. During 2014, health plans were the leading driver of new account growth, accounting for 35% of new accounts. Continued strong market fuels HSA investment growth. HSA investment assets reached an estimated $3.2 billion in December, up 40% year over year. The average investment account holder has a $12,995 average total balance (deposit and investment account). Investors show solid returns. Investors achieved an average annualized return of 12.5% on their HSA investments over the last 3 years. $50 $45 $8.3 $40 $35 $30 $25 National HSA Assets (in billions) Investments Deposits $3.2 $4.4 $6.1 $20 $15 $10 $5 $0 $0.2 $0.1 $1.6 $3.2 $0.2 $0.4 $5.3 $6.8 $0.9 $9.0 $1.1 $11.1 $1.7 $13.7 $2.3 $17.1 $21.0 $ $ $ $1.7B $3.4B $5.5B $7.2B $9.9B $12.2B $15.5B $19.3B $24.2B $29.9B $36.3B $43.6B Total HSA Assets Source: Estimate derived from 2014 Year-End Devenir HSA Market Survey, press releases, previous market research, and market growth rates Year-End Devenir HSA Research Report Executive Summary
4 HSA Industry Level Account Data $7,000 $6,000 $6,322 $5,722 Average Balance by Year the Account Opened $5,000 $4,000 $3,000 $2,000 $1,000 $- $5,578 $4,638 $3,725 $4,937 $3,906 $3,430 $4,521 $3,791 $3,281 $2,660 $3,782 $3,134 $2,665 $2,072 $3,177 $2,706 $2,232 $1,704 $2,783 $2,269 $1,762 $1,282 $2,391 $1,968 $1,479 $760 12/31/ /31/ /31/ /31/2011 $1,816 $1,525 $819 $1, $829 $813 Industry Contributions and Withdrawals $25 $20 $19.4 Industry Contributions & Withdrawals (In Billions) $16.4 $15 $10 $10.9 $13.2 $8.3 $10.2 $12.4 $13.2 $6.2 $5 $2.6 $3.0 $3.9 $- Contributions Withdrawals Carry Forward Year-End Devenir HSA Research Report Executive Summary
5 2014 Withdrawal Transactions Average Number of Withdrawals Per Account % of Total Withdrawals (#) Average Transaction Size Via Debit Card: % $ Via Check: 0.5 5% $ Via Online Bill Payment: 0.4 2% $ ATM: 0.5 2% $92.05 Unknown: % $89.92 HSA Investments $9 $8 $7 $6 $5 $4 $3 $2 $1 $0 % HSA Assets in Investments HSA Investment Assets (in billions) $0.1 $0.2 $0.2 $0.4 $0.9 $1.1 7% 5% 4% 5% 7% 8% 11% 12% 13% 15% 17% 19% $1.7 $2.3 $3.2 $ Year $ $ Source: Figures based on Devenir Research and 2014 Year-End Devenir HSA Market Survey HSA Marketplace Projections HSA providers continue to be optimistic in their outlook for the HSA industry, projecting HSA asset growth of 28.1% for the full year. In previous surveys HSA providers have been reasonably accurate with their growth forecasts, demonstrating an impressive understanding of the outlook of their book of business. Devenir currently projects that by the end of 2017 the HSA market will surpass $40 billion in HSA assets held amongst almost 30 million accounts Year-End Devenir HSA Research Report Executive Summary
6 About Devenir Devenir is a leading independent investment advisor and consultant in the health savings account industry. As an early entrant into the HSA market and with its primary business focusing on investment solutions for the consumer driven healthcare market, Devenir has developed a passion and expertise surrounding the HSA industry. Our experience with health savings accounts since their inception in 2004 has given Devenir a unique perspective and keen insight on the growth of health savings accounts and the needs of HSA custodians. Named to the IHCC and CDHC Solutions 2010, 2011, & 2012, 2014 Superstars List Named as a top plan adviser by specialty for 4 consecutive years Featured as 20 Rising Stars of Retirement Plan Advisors Devenir Research Team Jon Robb Senior Vice President, Research Eric Remjeske President Lori Hansen Senior Vice President, HSA Solutions Thank you for your participation! Copyright 2015 by Devenir Group, LLC For further information please contact Devenir Research at or hsa@devenir.com Year-End Devenir HSA Research Report Executive Summary
Devenir Research. 2015 Midyear HSA Market Statistics & Trends. Executive Summary
Devenir Research 2015 Midyear HSA Market Statistics & Trends Executive Summary REPORT RELEASE DATE: 8/11/2015 Table of Contents Key Findings... 2 HSA Industry Level Account Data... 3 Industry Contributions
More informationFrequently Asked Questions New Account Online
Frequently Asked Questions New Account Online What do I need to apply online? To make the new account process quick and easy, please have the following information available for each person whose name
More informationA Short Guide to your Optum Bank SM HSA. How to Open and Get Started with a Health Savings Account (HSA) from Optum Bank SM.
A Short Guide to your Optum Bank SM HSA How to Open and Get Started with a Health Savings Account (HSA) from Optum Bank SM. Open your HSA with Optum Bank today. It s quick and easy - go to optumbank.com
More informationPinnacle Bank HSA Investment Account Terms and Conditions
Pinnacle Bank HSA Investment Account Terms and Conditions 1. Investment Advice You agree and acknowledge that when you use the investment portion of your HSA, you, are solely responsible for determining
More informationTri-County Bank SWITCH KIT - INSTRUCTIONS
SWITCH KIT - INSTRUCTIONS Thank you! We would love to be your bank! Switching over to is made simple by completing the following forms. Simply complete, print and bring into any one of our locations. A
More informationHealth Savings Accounts Can Double as Shadow IRAs
JOURNAL REPORTS Health Savings Accounts Can Double as Shadow IRAs For Investors Who Can Afford It, HSAs Can Serve as Retirement Savings Accounts By PETER S. GREEN Updated June 2, 2014 5:22 p.m. ET Richard
More informationHealth Savings Account
Health Savings Account The Exclusive U.S. Bank Five Star Service Guarantee. Other banks promise great service, but only U.S. Bank guarantees it with our exclusive Five Star Service Guarantee. For more
More informationIntroduce HSA to your employees SHOP State of Kentucky Employer
Introduce HSA to your employees SHOP State of Kentucky Employer If you ve looked for cost-effective health care for your employees, you ve probably heard of consumer-directed health (CDH) plans. These
More informationIt s a BIG opportunity.
IRA Rollover Dynamics 2008 Market Sizing, Benchmarks, & Best Practices It s a BIG opportunity. How will you compete for IRA Rollovers? IRA Rollover Dynamics 2008 explores best practices and approaches
More informationHEALTH SAVINGS ACCOUNT TRANSFER REQUEST
HEALTH SAVINGS ACCOUNT TRANSFER REQUEST Transferring Your Current HSA to a Fifth Third HSA Your HSA can help keep both your physical and financial health in good shape by saving money while you enjoy certain
More informationYOU, YOUR INVESTMENT ADVISOR, AND FIDELITY. The attention and support your financial future deserves
YOU, YOUR INVESTMENT ADVISOR, AND FIDELITY The attention and support your financial future deserves Personal attention for your financial future You have unique financial goals. The professional guidance
More informationINVESTMENT POLICY STATEMENT
INVESTMENT POLICY STATEMENT Investment Options Dated : August 2015 Profile Name United Bank of Michigan 900 East Paris Avenue SE Grand Rapids, MI 49546 Primary Contact Eric Soya 616.559.4534 Advisor Devenir
More informationSwitch Kit. Banking the way it ought to be
The LNB is just one more way LNB is working to make your life simpler. It s easy follow the 5 simple steps and you ll be banking the way it ought to be in no time! Banking the way it ought to be Switching
More informationHSA INVESTMENT ACCOUNT Supplemental Terms, Conditions, and Disclosures
DISCLOSURE Clients selecting the HSA Investment Account are urged to carefully weigh the advantages and disadvantages of investing HSA funds in the Investment options versus holding them in their Mercantile
More informationPersonal Account. Branch: Banker: How did you hear about us:
Personal Account Branch: Banker: How did you hear about us: Ownership: Type of Account: Type of Account: First Signer: Street: City: Zip Code: State: Phone: Work: Cell: Home: Email Address: Drivers License
More informationUnderstanding Your Health Savings Account (HSA) Frequently Asked Questions THE BASICS. What is a Health Savings Account (HSA)?
Understanding Your Health Savings Account (HSA) Frequently Asked Questions THE BASICS What is a Health Savings Account (HSA)? An HSA is a special, tax advantaged account that is owned by you and is designed
More informationUnderstanding Your Health Savings Account (HSA) Frequently Asked Questions THE BASICS. What is a Health Savings Account (HSA)?
Understanding Your Health Savings Account (HSA) Frequently Asked Questions THE BASICS What is a Health Savings Account (HSA)? An HSA is a special, tax advantaged account that that is owned by you and is
More informationChecks NEW DEBIT CARD AND CHECKS HSA INVESTMENTS. Fees and Interest Rates Please see enclosed Explanation of HSA Bank
HSA Bank PO Box 939 Sheboygan, WI 53082-0939 July 31, 2015 Name Address City, State Zip Dear Name, As previously communicated, we, HSA Bank, a division of Webster Bank, N.A., purchased J.P. Morgan s Health
More informationWINNING WITH AN HSA. you to build HEALTH SAVINGS EMPOWERING. Health savings accounts (HSAs) 2013-2015 HealthEquity All rights reserved.
WINNING WITH AN HSA Health savings accounts (HSAs) EMPOWERING you to build HEALTH SAVINGS HSAs ARE AN EASY WIN in today s complex health care system HSAs empower health savings As an HSA user, you save
More informationKitsap Bank Health Savings Account Guide. A tax-smart way for you to manage growing healthcare costs.
Kitsap Bank Health Savings Account Guide A tax-smart way for you to manage growing healthcare costs. At Kitsap Bank, we believe that helping you prepare for the rising cost of health care is key to helping
More informationUSING YOUR IRA TO BUY REAL ESTATE
USING YOUR IRA TO BUY REAL ESTATE (a.k.a. Self Directed IRA) Frequently Ask Questions Page 1 Contents How do I use my IRA to buy Real Estate?... 3 What is a Self-Directed IRA?...3 Why haven t I heard of
More informationHealth Savings Accounts AN EFFECTIVE WAY TO MANAGE CLENTS HEALTHCARE COSTS AND SUPPLEMENT THEIR RETIREMENT SAVINGS
Health Savings Accounts AN EFFECTIVE WAY TO MANAGE CLENTS HEALTHCARE COSTS AND SUPPLEMENT THEIR RETIREMENT SAVINGS Health Savings Accounts With baby boomers set to retire, increased health costs, and decreased
More informationAN EFFECTIVE WAY TO MANAGE HEALTHCARE COSTS
Health Savings Accounts AN EFFECTIVE WAY TO MANAGE HEALTHCARE COSTS Expand Your Financial Services Capabilities with Pershing Open architecture Simplified account management Unbiased perspective Wide selection
More information2012 Letter from Our Chief Executive Officer
2012 Letter from Our Chief Executive Officer Our strong performance in fiscal 2012 demonstrates that our growth strategy enabled us to further differentiate Accenture in the marketplace and deliver significant
More informationUS Bank Script. Slide 1
US Bank Script Slide 1 Good morning, and welcome to the State of Kansas HSA enrollment presentation with U.S. Bank. Today, we are going to talk about the HSA, how it works, and next steps to prepare you
More informationUnderstanding Health Savings Accounts (HSAs) HSA Bank is a division of Webster Bank, N.A., Member FDIC.
Understanding Health Savings Accounts (HSAs) What is an HSA? A tax-advantaged savings account that you use to pay for qualified medical expenses not covered by the CDHP, including deductibles, co-pays,
More informationWELCOME TO THE AETNA HEALTHFUND HEALTH SAVINGS ACCOUNT (HSA)
WELCOME TO THE AETNA HEALTHFUND HEALTH SAVINGS ACCOUNT (HSA) Welcome to the Aetna HealthFund Health Savings Account (HSA). We know how important your employees are to you, and we want to work with you
More informationClosed-End Funds. and the Financial Advisor
Closed-End Funds Closed-End Funds and the Financial Advisor A NATIONAL RESEARCH STUDY How financial advisors use closed-end funds with their clients What sets these advisors and their practices apart Primary
More informationDepartment of Labor Hearing on the Definition of Fiduciary Proposed Regulation. Testimony on behalf of. America s Health Insurance Plans and
August 10, 2015 Department of Labor Hearing on the Definition of Fiduciary Proposed Regulation Testimony on behalf of America s Health Insurance Plans and Blue Cross Blue Shield Association By Jon Breyfogle
More informationSIMPLE SWITCH KIT. We Make the Switch Simple
SIMPLE SWITCH KIT We Make the Switch Simple 5 Simple Steps To Switch Your Account The Process: 1 Open your Wells Bank account Visit your local branch and a Personal Banking Representative will answer any
More informationEmployers Guide to Health Savings Accounts
Employers Guide to Health Savings Accounts Employers Guide to Health Savings Accounts A Health Savings Account (HSA) is a tax-advantaged medical savings account available to individuals enrolled in a high
More informationHealth Savings Accounts: A Review of Three Distinct HSA Go-to-Market Strategies
Health Savings Accounts: A Review of Three Distinct HSA Go-to-Market Strategies Sherry K. Lawton, Senior Healthcare Strategic Sales Executive FIS Government, Education and Healthcare Division The Crazy
More informationUnderstanding Health Savings Accounts (HSAs) 2014 HSA Bank. HSA Bank is a Division of Webster Bank, N.A., Member FDIC.
Understanding Health Savings Accounts (HSAs) 1 HSA Bank Overview HSA Bank is one of the nation s leading Health Savings Administrators 15+ years of experience Started in 1994 offering MSA s In 2004, expanded
More informationBanking Fees in Australia
Banking Fees in Australia Kelsey Wilkins* The Reserve Bank has conducted a survey on bank fees each year since 1997. The results of the most recent survey suggest that banks fee income from both households
More informationUnderstanding Health Savings Accounts (HSAs) HSA Bank is a division of Webster Bank, N.A., Member FDIC.
Understanding Health Savings Accounts (HSAs) HSA Education What is an HSA? A tax-advantaged savings account that you use to pay for qualified medical expenses not covered by the HDHP, including deductibles,
More informationYOUR GUIDE TO A HEALTH SAVINGS ACCOUNT (HSA)
YOUR GUIDE TO A HEALTH SAVINGS ACCOUNT (HSA) DOES A HIGHMARK HEALTH SAVINGS ACCOUNT (HSA) MAKE SENSE FOR YOU? An HSA is a tax-advantaged savings account that s available to people whose health care coverage
More informationMake the Switch Checklist
Make the Switch Checklist q Fill out our Application Information and Current Deposits and Payments forms. q Bring your completed forms to any NBT Bank office. Stop in when it s convenient for you or call
More informationCongratulations on opening a
Congratulations on opening a Health Savings Account! Let us help you manage your account easily, efficiently and securely. 05/2012 - CeB IMPORTANT! In order for us to comply with federal regulations, you
More informationFind out what a Health Savings Account can do for you. 2014 HSA Bank. HSA Bank is a Division of Webster Bank, N.A., Member FDIC.
Find out what a Health Savings Account can do for you. What is an HSA? A Health Savings Account, or HSA, is an individuallyowned account used to save and pay for qualified medical expenses. You ll earn
More informationThe Health Savings and Spending Customer Journey
The Health Savings and Spending Customer Journey The Importance of Providing Comprehensive Guidance Every Step of the Way: 5 Stages of Health Savings and Spending By Barb Page, Senior Director of Marketing
More informationCafeteria Plans Health Reimbursement Arrangements Health Savings Accounts. Piecing the Benefit world together, One Client at a time
Cafeteria Plans Health Reimbursement Arrangements Health Savings Accounts Piecing the Benefit world together, One Client at a time About PB&H Benefits, LLC Our Firm has an excellent reputation and significant
More informationFinancial Advisors Use of Social Media Moves from Early Adoption to Mainstream
Financial Advisors Use of Social Media Moves from Early Adoption to Mainstream Advisors use a variety of social networks overall but when it comes to driving business, the overwhelming majority turn to
More informationUniversity of Rochester. Health Savings Account Tax Information & Investment Options February 2015
University of Rochester Health Savings Account Tax Information & Investment Options February 2015 HSA Basic Requirements Must be enrolled in the YOUR HSA-Eligible healthcare plan Cannot be covered by any
More informationIRA/FSA/HRA Transfer Request Form
IRA/FSA/HRA Transfer Request Form To request an IRA Transfer to your HSAToday Account, please complete this Form and Submit it to: Voice: 888-665-1264 Fax: 501-687-1409 Email: support@myhsatoday.com PART
More informationTen Important Facts About Roth IRAs JULY 2015
Ten Important Facts About Roth IRAs JULY 2015 The Investment Company Institute (ICI) is the national association of U.S. investment companies. ICI seeks to encourage adherence to high ethical standards,
More informationwww.stillmanbank.com
msswitch Kit2.qxp 11/29/2005 3:07 PM Page 1 Stillman Switch Kit BYRON 608 W. Blackhawk Dr. (815) 234-5626 OREGON 1445 IL Route 2 N. (815) 732-7956 ROCHELLE 455 W. HWY 38 (815) 562-7071 ROCKFORD 8492 E.
More informationROTH IRA APPLICATION. SECTION 1: Account Information. SECTION 2: Contribution Type. SECTION 3: Investment Section
ROTH IRA APPLICATION IMPORTANT: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information
More informationDeposit Industry Professionals Conference
Deposit Industry Professionals Conference The Financial Wealth of Canadian Households Focus on Deposits Carlos Cardone May 29, 2015 2 Presentation Agenda The Shape, Size and Future of the Household Balance
More informationSwitch To Volunteer State Bank
Switch To Volunteer State Bank It s Quick and Easy... Just print the forms below and follow these instructions. Step 1: Complete our New Account Information Form, so we ll have what we need to open your
More informationCustomer Information Sheet
Customer Information Sheet Primary Account Holder Name: Street Address: City: State: Zip: Home Phone: Work Phone: Mobile Phone: Driver s License #: DL Expiration Date: Employer: Position/Title Email Address:
More informationREGULAR ACCOUNT APPLICATION
REGULAR ACCOUNT APPLICATION DRIVEN BY RESEARCH IMPORTANT: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain,
More informationClients per professional. Over $1B 45 $750MM $1B 48 $500MM $750MM 45 $250MM $500MM 47. Over $1B 38 $750MM $1B 38 $500MM $750MM 35
The power of the independent advice business $123 $750MM $1B $91 model AUM per (millions) $500MM $750MM $75 Clients per 45 $750MM $1B 48 $500MM $750MM 45 $250MM $500MM $72 $250MM $500MM 47 More than one-third
More informationhealth savings accounts Invest in your health and your future.
accounts Invest in your health and your future. We ll go the distance to ensure your peace of mind and make the whole process fast and easy. Choosing a healthcare plan that suits the needs of you and your
More informationUnderstanding Your Aetna HealthFund Health Savings Account (HSA)
Understanding Your Aetna HealthFund Health Savings Account (HSA) Frequently Asked Questions (FAQs) THE BASICS What is a Health Savings Account (HSA)? An HSA is a tax-advantaged account that you own. With
More informationLooking back on 2014, we:
Aetna Inc. Fourth Quarter 2014 Earnings Conference Call Hartford, CT Tuesday February 3, 2015, 8:00 A.M. ET Prepared Remarks Tom Cowhey, Vice President Investor Relations Good morning and thank you for
More informationSWITCH TO. We make switching banks easy.
SWITCH TO KIT We make switching banks easy. Did you know? Switching is so easy that all you have to do is stop by a local banking center and a knowledgeable associate will assist you. To find a banking
More informationFollow these five steps to make switching to Peoples First Savings Bank easy and hassle free:
ACCOUNT SWITCH KIT Follow these five steps to make switching to Peoples First Savings Bank easy and hassle free: 1. Visit one of our locations to open your Peoples First Savings Bank checking account with
More informationHealth Savings Account (HSA)
9845 Erma Rd. Ste 312 San Diego, CA 92121 Phone (858) 530-1031 (800) 380-7370 Fax (858) 530-1820 Health Savings Account (HSA) A Health Savings Account (HSA) allows your clients to pay for qualified medical
More informationMoney and Banking. Introduction. Learning Objectives
Money and Banking Introduction Money and Banking Learning Objectives Lesson 1 Time Value of Money: Time is Money! Distinguish between simple interest and compound interest. Calculate simple interest and
More informationSECURITY BENEFIT. A Company You Can Trust 2014 EDITION
SECURITY BENEFIT A Company You Can Trust 2014 EDITION A Company You Can Trust A UNIQUE HISTORY A LEADER TODAY STRENGTH IN OUR NUMBERS For more than 120 years we ve been helping people overcome financial
More informationTRUST. Understanding Your Deposit Account. Truth in Savings
Understanding Your Deposit Account Truth in Savings TRUST MEMBER FDIC TRUTH-IN-SAVINGS DISCLOSURE Important Account Opening Information. Federal law requires us to obtain sufficient information to verify
More informationInvestors G u i d e 201 0 1 Investors Guide 2011
2011 Investors 2011 Guide 1. 2. 3. 01 Investors Guide 2011 1 2 5 3 4 6 Investors Guide 2011 02 03 Investors Guide 2011 1 2 3 4 5 Investors Guide 2011 04 1 2 2 2 05 Investors Guide 2011 3 3 3 4 5 5 5 Investors
More informationCONFIDENCE THROUGH GUIDANCE
CONFIDENCE THROUGH GUIDANCE We provide the expertise, products, and technology of a national wealth manager with the highly personal service and attention of a boutique firm that always puts its clients
More informationAn Analysis of Health Savings Account Balances, Contributions, and Withdrawals in 2012
July 2014 An Analysis of Health Savings Account Balances, Contributions, and Withdrawals in 2012 www.ahipresearch.org LIST OF TABLES and figures Table 1. Number and Percent of Health Savings Accounts by
More informationMaking a change for the better has never been easier.
Making a change for the better has never been easier. With our simple Switch Kit, we have taken the hassle out of changing banks. Stop putting it off and make the move to a better banking relationship.
More informationAN INVESTOR S GUIDE: Tax-Advantaged Private Equity Investing
AN INVESTOR S GUIDE: Tax-Advantaged Private Equity Investing Tax-Advantaged Private Equity Investing Institutions and financial professionals have long realized that private equity can deliver significant
More informationRIVERHILLS SIMPLY SWITCH KIT
New Account Information RIVERHILLS KIT Be The One That Got Away. Come On Over To Member FDIC 2008 RiverHills Bank. All rights reserved. Be A Big FishṢM www.riverhillsbank.com Welcome Aboard! At RiverHills
More informationLPL FINANCIAL CASH MANAGEMENT SERVICES. Cash and Banking Solutions to Manage Your Daily Finances
LPL FINANCIAL CASH MANAGEMENT SERVICES Cash and Banking Solutions to Manage Your Daily Finances LPL Financial offers a multitude of services to help you manage your long-term investments and day-to-day
More informationThe Quarterly Corporate Cash Report
The Quarterly Corporate Cash Report October 2011 Volume 2, Issue 1 Corporate Cash Tops $2 Trillion U.S. corporate cash and shortterm investments increased $88 billion in the second quarter of 2011, reaching
More informationFinancial planning with PNC Investments. Helping you achieve what matters most.
Financial planning with PNC Investments Helping you achieve what matters most. Focus on the road ahead with a flexible financial plan. Design yours now with PNC Investments. We all want a bright financial
More informationMaking a change for the better has never been easier!
Tired of poor service and an indifference from your bank? The First Trust and Savings Bank offers all the financial products you need with personal service you deserve! We are so sure you will love us
More informationWealthCare Health Savings Account
Welcome to your WealthCare Health Savings Account Enclosed is everything you need to help you learn how to use your HSA. Let s get started! effective 1/1/2015 Congratulations! Thank you for opening a Health
More informationHow to Open a New Bank Account
Carthage 3rd & Maple 358-9331 Fax 358-7401 2417 S. Grand 358-1770 Fax 358-4081 Joplin 32nd & McClelland 623-5255 Fax 623-8553 32nd & Indiana 624-1995 Fax 623-2236 Range Line & Zora 206-6800 Fax 782-4277
More informationw w w. B a n k F i r s t N a t i o n a l. c o m
Switch Kit Making the switch is easy! For Better Banking, Think First. w w w. B a n k F i r s t N a t i o n a l. c o m Make the switch to Bank First National in just four easy steps! We want to make your
More informationA TACTICAL FRAMEWORK: INTEGRATING THE ONLINE CHANNEL INTO YOUR WEALTH MANAGEMENT STRATEGY
A TACTICAL FRAMEWORK: INTEGRATING THE ONLINE CHANNEL INTO YOUR WEALTH MANAGEMENT STRATEGY May 14, 2014 in/insertname @scivantage PRESENTERS Sophie Schmitt Senior Analyst, Wealth Management Research Jim
More informationICD-10 and Its Impact on the Healthcare Industry
Point of View ICD-10 and Its on the Healthcare Industry Written by Stacy Swartz, RHIA, CCS, CPC Vice President of Coding for Sutherland Healthcare Solutions On January 16, 2009, the U.S. Department of
More informationClose your former account at the other institution
Member FDIC Interested in switching your account to Farmers State Bank, but not sure where to begin? That s why we developed the EZ-Switch Kit. These days we all have busy lives, so here at Farmers State
More informationDOES BLACK FRIDAY STILL MATTER?
LPL RESEARCH PRIVATE CLIENT THOUGHT LEADERSHIP DISRUPTIVE INSIGHTS DOES BLACK FRIDAY STILL MATTER? November 215 SALES FOR THE HOLIDAY SEASON OVERALL HAVE ACTUALLY INCREASED OVER THE YEARS, DESPITE THE
More informationMember FDIC. Switch Kit. Welcome!
Member FDIC Switch Kit Welcome! To make a seamless transition - just follow the simple steps provided below. If you have any questions, during this process, please feel free to contact US. We are here
More informationWelcome to Heartland Bank
Welcome to Heartland Bank We re glad you have chosen to bank with us. We want to make switching over your bank accounts as easy as possible. This step-by-step switch kit will help you complete this project
More informationWe believe First Data is well positioned to take advantage of all of these trends given the breadth of our solutions and our global operating
Given recent payment data breaches, clients are increasingly demanding robust security and fraud solutions; and Financial institutions continue to outsource and leverage technology providers given their
More informationSome prominent insights that emerged from the survey include:
1 EXECUTIVE SUMMARY For the third consecutive year, Web.com partnered with the National Association of Women Business Owners (NAWBO) to commission a national survey of NAWBO members. The survey gathered
More informationFollow the 5 easy steps in the Progressive Bank Switch Kit and put some light into your banking!
Our purpose at Progressive Bank is to help our customers achieve their dreams. These days we all have busy lives, so here at Progressive Bank we are always looking for ways to make banking with us easy
More informationThe Nation s Leading Independent Source of Financial Services and Investment Advice. Linsco/Private Ledger
The Nation s Leading Independent Source of Financial Services and Investment Advice Linsco/Private Ledger The Need for Objective Advice Has Never Been Greater Amid an ever-changing investment landscape,
More informationNew Noninterest-Bearing Account Offers More Peace of Mind. U.S. Bank Helps Foundations and Endowments Achieve Their Goals
New Noninterest-Bearing Account Offers More Peace of Mind U.S. Bank Institutional Trust & Custody has introduced a new account that will put your clients' minds at ease. Our Noninterest-Bearing Account
More informationNational Financial Services LLC. A guide to your brokerage account
National Financial Services LLC A guide to your brokerage account Quality service for your account As part of our effort to provide you with quality service, our broker-dealer has an agreement with National
More informationORTHOPEDIC INDUSTRY OVERVIEW
ORTHOPEDIC INDUSTRY OVERVIEW May 2014 Investment banking services are provided by Harris Williams LLC, a registered broker-dealer and member of FINRA and SIPC, and Harris Williams & Co. Ltd, which is authorised
More information2016 OUTLOOK: GLOBAL PAYMENTS
December 2015 2016 OUTLOOK: GLOBAL PAYMENTS Disruption across the industry a global theme Around the world, new entrants (including start-ups and nontraditional players) are entering the payments industry.
More informationInvestor Questions and Answers: July 2, 2010
Investor Questions and Answers: July 2, 2010 We plan to make written responses available addressing investor questions about our business on the first Friday of every month. The following answers respond
More informationOur fi rm and Fidelity synergy at work for you
Our fi rm and Fidelity synergy at work for you As your fi nancial advisor, we re expected to make decisions about your money based on the highest degree of scrutiny. You can be assured that we use the
More informationPractice Management Value-Add Programs. TIAA-CREF Asset Management. Practice Management. Preparing you for new investors and new opportunities
Practice Management Value-Add Programs TIAA-CREF Asset Management Practice Management Preparing you for new investors and new opportunities Say hello to today s new investors. And to tomorrow s retirement
More informationSwitch Kit. Account. STEP 1. Open your new Apple Bank account. STEP 2. Stop using your old checking account.
Switching your account to Apple Bank is fast and easy. Use the convenient forms in this package to get started. To begin, follow the three easy steps below. STEP 1. Open your new Apple Bank account. Please
More informationMaximizing Growth Opportunities Through Retirement Plan Consultants
Cover CoverStory Story Reprinted from The SPARK Journal - April 2013 Maximizing Growth Opportunities Through Retirement Plan Consultants Cynthia Hayes, President, Oculus Partners, LLC Lately there is a
More informationSwitch Kit. Banking the way it ought to be
The LNB is just one more way LNB is working to make your life simpler. It s easy follow the 5 simple steps and you ll be banking the way it ought to be! Banking the way it ought to be Switching has never
More informationSignature Advantage. Our best financial management account for your most complex financial needs.
Signature Advantage Our best financial management account for your most complex financial needs. Simplify your financial life. Imagine being able to manage all your finances in a single account, with
More informationHealth Care Reform s New Measurement, Administrative, and Stability Periods Design. Background. Measurement Period
Health Care Reform s New Measurement, Administrative, and Stability Periods Design Background Health Care Reform, or PPACA, requires employers with 50 or more Full Time Equivalents (FTEs) to offer affordable
More informationFollow the 5 easy steps in the Citizens Community Federal N.A. Switch Kit and start banking simply!
Why make life complicated? We at Citizens Community Federal N.A. believe that some things can and should remain simple. We pride ourselves on offering our customers convenience, superior service and The
More informationThe Rising Tide of Pharmacy Benefit Cost and Complexity: A health plans roadmap to optimizing pharmacy services relationships
The Rising Tide of Pharmacy Benefit Cost and Complexity: A health plans roadmap to optimizing pharmacy services relationships New pharmacy benefit challenges After several years of manageable pharmacy
More informationCOVERDELL EDUCATION SAVINGS ACCOUNT APPLICATION
COVERDELL EDUCATION SAVINGS ACCOUNT APPLICATION IMPORTANT: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain,
More informationHow To Convert An Ira To A Roth Ira
Roth Conversion Frequently Asked Questions Brian Dobbis QPA, QKA, QPFC Retirement Analyst, Private Wealth Group 888-522-2388 A Roth individual retirement account (IRA) is a tax-deferred and potentially
More information