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Annualized. Billed Monthly in Advance.



No Minimum Account Size*

Ongoing, holistic management of your Health Savings Account (HSA)

Low-cost, market-based investments held at TD Ameritrade

*Bank accounts held at HSA Bank. HSA Bank may impose minimums or fees that make certain account sizes impractical.

A Better Way to Manage Your Health Savings Account (HSA)

Management of your HSA and other accounts with TD Ameritrade


HSA plans are a great way to invest and save for your future medical costs on a tax-deductible basis, and tax-free withdrawals for qualified expenses.


In fact, due to this dual benefit many advisors believe that HSA plans to be more beneficial than your 401(k), 403(b), or IRA.


And if you don't use the funds for health care, they can still be used in retirement without penalty after age 65.


If you have an eligible High Deductible Health Plan for yourself or sponsored by your employer you can establish an HSA and have a quality investment plan with Clear.Investments.


Don't save to your employer's high cost HSA. Move your current HSA to a better investment solution.


What's wrong with my workplace HSA provider?

Most workplace HSA plans offer an acceptable bank account option, with a selection of high-cost and often commission-based mutual funds rather than market-based no-load index funds.


In the rare case your plan offers quality funds, there often is an annual cost or lack of available options to craft a well rounded portfolio


We use no-commission exchange traded funds for our HSA portfolios held at TD Ameritrade. There may be additional fees charged by the HSA provider (for example, HSA Bank charges a $2.50 monthly fee if you do not meet the minimum balance within their bank account program.


Potential Benefit

Market-based exchange-traded funds +0.75-1.00% Per Year



The difference between the average expense ratio of a low-cost, diversified portfolio with an annual expense ratio of 0.22-0.37% and the average expense ratio of active mutual funds as researched by William F. Sharpe's publication The Arithmetic of Investment Expenses, Financial Analysts Journal, March / April 2013.​


Should you consider an HSA for health and retirement saving?

A Health Care Savings Account can be a powerful tool for keeping unused medial premiums in a savings account for future use.


The Benefits


  • Tax deduction for allowed contributions

  • Tax-deferral of growth

  • Tax-free withdrawals for qualified medical expenses

  • Ability to invest your contributions for long-term growth above inflation

  • No "use or lose" penalty... you keep any unused savings

  • HSAs give us all the incentive to make sure we spend our health care funds appropriately

  • At age 65 funds can be used for any expense without penalty


If you use and require traditional medical insurance that would not be a fit for a High Deductible Health Plan (HDHP) - which is a required component for establishing an HSA - then, an HSA may not be for you.


However, if you do not have significant medical expenses, you may benefit from a HDHP combined with a HSA. 


Clear.Investments provides a way to maximize the portion of your HSA that is meant for future healthcare and retirement expenses.

How it works

You set-up an account with HSA Bank and TD Ameritrade. We link the account and manage it based on your needs


Our software monitors your portfolio for rebalancing opportunities on a daily basis. 



Potential Rebalancing Benefit

+0.50% Per Year


(Source: Swenson, D. (2005). Unconventional Success. Pp. 195-196.)

Best-in-class financial planning tools

Your dashboard will keep you up to date on your investment allocation and progress.


Clients also have access to a sophisticated portal with educational videos, calculators, budgeting and spending categorization tools, etc.


These are the same tools that we (Clear Financial Advisors) use with our Wealth Management clients. They are world class tools and offer far more financial management tools than new online advisors.


Have more specific questions? Contact us any time if you need more advice later.

As a Fee-Only, independent financial advisor, Clear Financial Advisors can provide more in-depth financial planning services or deeper Wealth Management services when you need them.



How We're Different
  • Totally and completely independent. Many retirement plans will provide free advice or a cookie-cutter investment allocation. As an independent advisor, we provide advice in your interest alone.


  • A holistic view. Most low-cost advisors (and high-cost ones) put each of your accounts into a model portfolio. This approach removes the benefits of asset location which is deciding the investment attributes that would be best for each of your accounts. If each account owns the exact same proportions of the exact same investments, you may benefit from a holistic perspective. 


  • A proven philosophy. Not only do we have an investment philosophy, it is one based on science rather than guessing, a crystal ball, or gambling.

Clear.Investments Benefits
  • Risk maximizing (Tilt investing) 1                             +2.18%      

  • Use of cost conscious passive investments 2         +0.75%

  • Automatic rebalancing 3                                         +0.50%

  • Asset location 4                                                        +0.52%

​                                                                            +3.95% per year​​


​Additional quantifiable benefits

  • Tax benefits (tax-loss harvesting, use of and review of tax-efficient funds and tax-advantaged accounts) 

  • Intentional use of asset class investments, rather than relying on the luck of an investment manager


Non-quantifiable benefits

Not having to rely on guessing, emotions, gimmicks, crystal balls, or the lottery.


  1. Complete our online questionnaire

  2. Wait for our email package to e-Sign your account paperwork.

  3. We'll follow with instructions on account funding and accessing your online website.

  4. As a bonus you will receive access to a holistic financial webportal to track your finances and project for your future goals.

1. Clear.Investments utilizes a portfolio approach that seeks to maximize risk-adjusted returns by diversifying our equity allocation over multiple asset classes, and by investing in short to mid duration investment grade bond funds. See Disclaimer page for details. 

2. The difference between the average expense ratio of a low-cost, diversified portfolio with an annual expense ratio of 0.37% and the average expense ratio of active mutual funds as researched by William F. Sharpe's publication The Arithmetic of Investment Expenses, Financial Analysts Journal, March / April 2013.​

3. Swenson, D. (2005). Unconventional Success. Pp. 195-196. 

4. Blanchett, D & Kaplan, P. (September 8, 2012). Morningstar Investment Management. Alpha, Beta, and Now... Gamma. 


What do I need to establish an HSA?


  • You must be covered under a High Deductible Health Plan, whether under your employer or self-coverage.

Do I need to send my receipts in to prove my expenses?


  • No. Hang on to your receipts and provide them to your tax preparer, but you do not need to send them to your employer or to us.


How do I pay for my expenses?


  • Most HSA providers allow for checks, debit cards, or electronic transfers to your personal bank accounts.


What happens after I leave my employer?


  • You keep your HSA account and can continue to use any balance for future qualified expenses.



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