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Interactive
To save it or to spend it?
We get it: Sometimes life happens and you may want to cash out your IRA. But early withdrawals also pack a punch with taxes and penalties. Use this calculator to see how much your IRA funds could grow to help you save for the future.
Article
Why updating your beneficiaries is important
When you first set up your retirement and other financial accounts, you designated one or more beneficiaries. But as the course of your life changes, these individuals and organizations may need updating.
Article
What to know about the SECURE 2.0 Act retirement bill
SECURE 2.0 is a retirement bill that may impact your IRA or 401(k)or other workplace retirement plan. We break down the key changes that may affect you.
Article
What real estate investors want in their IRA custodian
Many investors are familiar with real estate but are not familiar with the rules or how to invest with a self-directed IRA. An experienced client service team can help along the way.
Article
What is COBRA insurance? COBRA 101
Discover what COBRA insurance is, how much it costs, and how long it lasts. Learn about your rights and options for continuing health coverage after job loss in this comprehensive guide.
Article
What is a custodian?
What is a custodian? We break down this term in the financial services industry. Read on to understand what a custodian is, what it does, and how it works.
Video
Using your IRA to invest in real estate
Use funds from your IRA to invest in residential or commercial land or buildings, from foreclosures and rentals to undeveloped land – the choice is yours.
Article
Tips for protecting yourself against identity theft
With millions affected each year by data breaches, here are some things you can do right away to help you protect your identity.
Article
Tax season: What are Forms 1099-R and 5498?
Among the forms you are likely to receive from us are Form 1099-R and Form 5498. Learn why and what you’ll want to do with them
Video
Tax forms 1099-R and 5498
Form 1099-R reports potentially taxable distributions from retirement accounts like IRAs or 401(k)s. After the tax filing deadline, you may also receive IRS Form 5498 to report contributions.
Article
Smart strategies for FSA spending
As the end of your plan year approaches, it's crucial to consider how to best utilize the remaining funds in your flexible spending account (FSA). Unlike a health savings account (HSA), most FSA funds need to be spent before the end of the plan year due to the use-it-or-lose-it rule set by the Internal Revenue Service (IRS).
Article
SECURE 2.0 Act: 529 to Roth IRA rollover
SECURE 2.0 Act Section 126 offers new options for excess or unused funds from 529 college savings plans. We explain the new Roth IRA retirement plan rollover option.
Article
SDIRA 101: What is a self-directed IRA?
If you want to invest alternative assets in an IRA, you might be wondering, what is a self-directed IRA (SDIRA)? We break it down and highlight the considerations.
Article
SDIRA 101: What is a self-directed IRA?
If you want to invest alternative assets in an IRA, you might be wondering, what is a self-directed IRA (SDIRA)? We break it down and highlight the considerations.
Article
Rules for identification and receipt of replacement property in 1031 exchanges
Understanding the rules for identification in a 1031 exchange are essential for ensuring you are on track for a valid 1031 exchange.
Article
Rollover IRAs explained
Did you know that rolling over funds to an IRA can help streamline retirement planning? Discover the benefits of consolidating your 401(k), 403(b), or other employer-sponsored retirement plan accounts into an IRA.
Article
Required Minimum Distributions update: SECURE 2.0 changes
The Required Minimum Distribution rules are changing with the passing of the SECURE 2.0 Act. We share the latest information on RMDs and this new law.
Video
Required minimum distribution (RMD) basics
When you turn 73, the IRS requires you to withdraw money from your retirement accounts each year, also known as required minimum distributions (RMDs).
Article
Pairing an HDHP with an HSA: How & why to do it
Pairing an HDHP and HSA can have many benefits. Read on for details and learn how to use a HDHP with a health savings account (HSA).
Video
Pairing a high-deductible health plan with an HSA
Combining your high-deductible health plan (HDHP) with an Inspira Financial health savings account (HSA) helps you save even more as you set aside pretax dollars to spend on eligible health care expenses not covered by your HDHP.
Article
Maximize your FSA for pretax savings
Learn how to make the most of your flexible spending account (FSA). Confirm eligible expenses, avoid losing funds, and save on taxes with our informative guide to FSA management.
Video
Managing your Inspira HSA online
We’ve made it amazingly simple for you to manage your Inspira Financial HSA online and through our mobile app.
Video
Making sense of alternative assets
Alternative assets are a growing class of investments and include things like real estate, private equity, hedge funds, and more. Inspira's deep and broad expertise can help you make sense of the world of alternative investments.
Video
Limited purpose flexible spending account (LPFSA)
Limited purpose FSAs can help you pay for eligible dental, orthodontic, and vision costs like fillings, braces, prescription sunglasses, and contact lenses.
Article
HSA and FSA contribution limits
Tax-advantaged accounts like health savings accounts and flexible spending accounts have contribution limits set by the IRS. We share what you need to know.
Article
How to tell if a website is legitimate
When you access your accounts online, verifying website legitimacy is a key part of keeping yourself protected. Here's a comprehensive checklist on how to check if a website is legitimate.
Article
How to spend health care FSA money
Spending FSA money sounds simple enough, but understanding eligible medical expenses can ensure your FSA funds don’t go to waste.
Article
How to resolve FSA reimbursement issues
Learn why a flexible spending account (FSA) administrator asks for receipts, what substantiation means, and how to avoid imputed income. Get tips for managing your FSA and resolving reimbursement issues.
Article
How to open a self-directed IRA in five steps
Here’s what you need to know as you get ready to open your first self-directed IRA, according to two Inspira Financial professionals.
Video
How did my account get here?
Wondering how your retirement money ended up with Inspira Financial? When you left your former employer and didn’t decide what to do with the savings left in your employer-sponsored retirement plan, they moved your money to Inspira.
Article
How commuter benefits can save you money
Discover how commuter benefits work, their tax advantages, and if they roll over. Learn to maximize your savings on mass transit and parking expenses with our quick reference guide.
Article
Holding private equity in a self-directed IRA
Add diversity to your retirement nest egg with everything from start-ups to hybrid securities.
Article
Hedge funds in self-directed IRAs
Self-directed IRAs provide the type of benefits that many investors are looking for, such as tax advantaged savings and flexibility. They also represent a vast source of capital that can be invested in various types of alternative, non-traditional assets such as hedge funds.
Article
Health savings account basics
A health savings account (HSA) can pay for planned and unplanned health care expenses and keep your budget on track.
Video
Health savings account (HSA) basics
An Inspira Financial health savings account (HSA) is a great way to set aside pretax dollars for eligible health care expenses.
Video
Health reimbursement arrangement (HRA) basics
Health reimbursement arrangements (HRAs) are employer-funded health care expense accounts that help you pay for eligible expenses like health supplies, medications, and doctor’s visits.
Video
Health care flexible spending account (HCFSA) basics
A health care flexible spending account (FSA) lets you spend smarter and save money when it comes to your everyday health care expenses.
Article
Get started managing your pre-tax benefits: tips for the early plan year
Dive into essential tips for early plan year management. Discover how to navigate contribution limits, plan for expenses, track receipts, and save for the future.
Article
FSA debit card: How to use it
Questions about how to keep your FSA debit card active? Read on to how and get more tips for using your FSA card.
Video
Formularios de Impuestos-1099 R y 5498
El formulario 1099-R reporta aportaciones que pueden estar sujetas a impuestos de cuentas de jubilación como las IRA o las 401K. En mayo, después de la fecha límite de presentación de impuestos, también puede recibir un formulario 5498 de IRS.
Video
Flexible spending account (FSA) basics
An Inspira Financial flexible spending account (FSA) helps make it easier for you to pay for your family’s well-being while reducing your taxable income.
Article
Five reasons to use a self-directed IRA for alternative investments
Alternatives can play a key role as powerful diversifiers in your overall portfolio, and using an IRA for alternative investments can add the benefit of tax-free growth over time. Here are five reasons to discuss the possibilities with your adviser.
Article
Find funds from your old 401k accounts
Discover how to locate funds from forgotten 401(k) accounts with our comprehensive guide. Learn five proven strategies to track down your retirement savings and take charge of your financial future.
Article
Financial planning for retirement: Helpful hints
Financial planning for retirement can be broken down into actionable steps. Let’s take a look at how to get started and what mistakes to avoid.
Video
Dependent care flexible spending account (DCFSA) basics
Dependent care flexible spending accounts (DCFSA) can help you save on taxes while paying for quality child care and adult care.
Article
Comparing FSA vs HSA for maximum health care savings
Explore the key differences between HSAs and FSAs that could help you maximize savings on health care expenses. Learn the essential facts about contribution limits, withdrawal rules, and more to make informed decisions about your health care benefits options.
Article
Build a more resilient portfolio with alternative investments
Broadening diversification with alternative assets can help protect against volatility and improve portfolio resilience – and you can do it in your retirement account.
Article
Basics of tax-deferred 1031 exchanges
We’ll provide an overview of some of the most fundamental 1031 exchange rules and concepts, as well as to clarify some common misconceptions
Article
Are you sticking to your New Year’s resolutions?
Discover how pre-tax employee benefits, like HSAs and FSAs, can supercharge your New Year's resolutions.
Article
Alternative investments: A portfolio diversification strategy
We dive into the knowledge gap preventing investors from pursuing alternatives and offer an overview of what alternative assets are.
Article
Alternative investing: Time-tested for volatile markets
Learn why institutional investors’ portfolios include alternative investments and how individuals can achieve similar allocations in their IRAs.
Article
A guide to consolidating HSA funds
Learn how to simplify your finances and boost your health care savings by consolidating multiple HSAs. Discover the benefits, step-by-step process, and key considerations for HSA consolidation in this detailed guide.
Article
6 tips to protect yourself from tech support scams
Learn how to recognize and respond to tech support scams. Discover six essential tips to safeguard your finances, spot red flags, and take action if you've been targeted. Stay informed and protect yourself in the digital age.
Article
6 steps to build your retirement income strategy
For years, you’ve been putting money away in your retirement fund, looking forward to the day when you can say goodbye to work and enjoy your golden years. But just having a retirement nest egg isn’t enough – you also need a retirement income strategy.
Article
5 things retirement savers should do at the start of each year
Whether you work with an advisor or plan and save for retirement on your own, consider taking these actions to help strengthen your financial security throughout the year.
Article
1031 exchange rules for vacation homes, primary residences, and mixed-use properties
A variety of circumstances must be considered when exchanging property that may have been or will be a principal residence or vacation home.
Video
¿Cómo llegó mi cuenta aquí?
¿Se pregunta cómo fue a parar su dinero de jubilación a Inspira Financial? Cuando usted se marchó de su anterior empresa y no decidió qué hacer con los ahorros que le quedaban en su plan de jubilación patrocinado por la empresa, esta trasladó su dinero a Inspira.
TOPIC SPOTLIGHT
Alternative investments: A portfolio diversification strategy
Alternative investments could give you the diversification you need for a better retirement. Check out these articles to help put you in a great spot to get started.
Article
Alternative investing: Time-tested for volatile markets
Learn why institutional investors’ portfolios include alternative investments and how individuals can achieve similar allocations in their IRAs.
Article
Five reasons to use a self-directed IRA for alternative investments
Alternatives can play a key role as powerful diversifiers in your overall portfolio, and using an IRA for alternative investments can add the benefit of tax-free growth over time. Here are five reasons to discuss the possibilities with your adviser.
Article
Alternative investments: A portfolio diversification strategy
We dive into the knowledge gap preventing investors from pursuing alternatives and offer an overview of what alternative assets are.
Article
Build a more resilient portfolio with alternative investments
Broadening diversification with alternative assets can help protect against volatility and improve portfolio resilience – and you can do it in your retirement account.
Article
Hedge funds in self-directed IRAs
Self-directed IRAs provide the type of benefits that many investors are looking for, such as tax advantaged savings and flexibility. They also represent a vast source of capital that can be invested in various types of alternative, non-traditional assets such as hedge funds.
Article
Holding private equity in a self-directed IRA
Add diversity to your retirement nest egg with everything from start-ups to hybrid securities.
Article
How to open a self-directed IRA in five steps
Here’s what you need to know as you get ready to open your first self-directed IRA, according to two Inspira Financial professionals.
Video
Making sense of alternative assets
Alternative assets are a growing class of investments and include things like real estate, private equity, hedge funds, and more. Inspira's deep and broad expertise can help you make sense of the world of alternative investments.
Article
SDIRA 101: What is a self-directed IRA?
If you want to invest alternative assets in an IRA, you might be wondering, what is a self-directed IRA (SDIRA)? We break it down and highlight the considerations.
Article
5 things retirement savers should do at the start of each year
Whether you work with an advisor or plan and save for retirement on your own, consider taking these actions to help strengthen your financial security throughout the year.
Video
Using your IRA to invest in real estate
Use funds from your IRA to invest in residential or commercial land or buildings, from foreclosures and rentals to undeveloped land – the choice is yours.
Article
What is a custodian?
What is a custodian? We break down this term in the financial services industry. Read on to understand what a custodian is, what it does, and how it works.
Article
SDIRA 101: What is a self-directed IRA?
If you want to invest alternative assets in an IRA, you might be wondering, what is a self-directed IRA (SDIRA)? We break it down and highlight the considerations.
Article
What real estate investors want in their IRA custodian
Many investors are familiar with real estate but are not familiar with the rules or how to invest with a self-directed IRA. An experienced client service team can help along the way.
More from Health & Benefits
Article
Are you sticking to your New Year’s resolutions?
Discover how pre-tax employee benefits, like HSAs and FSAs, can supercharge your New Year's resolutions.
Article
What is COBRA insurance? COBRA 101
Discover what COBRA insurance is, how much it costs, and how long it lasts. Learn about your rights and options for continuing health coverage after job loss in this comprehensive guide.
Article
How commuter benefits can save you money
Discover how commuter benefits work, their tax advantages, and if they roll over. Learn to maximize your savings on mass transit and parking expenses with our quick reference guide.
Latest resources
Article
Smart strategies for FSA spending
As the end of your plan year approaches, it's crucial to consider how to best utilize the remaining funds in your flexible spending account (FSA). Unlike a health savings account (HSA), most FSA funds need to be spent before the end of the plan year due to the use-it-or-lose-it rule set by the Internal Revenue Service (IRS).
Article
Rollover IRAs explained
Did you know that rolling over funds to an IRA can help streamline retirement planning? Discover the benefits of consolidating your 401(k), 403(b), or other employer-sponsored retirement plan accounts into an IRA.
Article
Find funds from your old 401k accounts
Discover how to locate funds from forgotten 401(k) accounts with our comprehensive guide. Learn five proven strategies to track down your retirement savings and take charge of your financial future.
Article
Comparing FSA vs HSA for maximum health care savings
Explore the key differences between HSAs and FSAs that could help you maximize savings on health care expenses. Learn the essential facts about contribution limits, withdrawal rules, and more to make informed decisions about your health care benefits options.
Article
6 tips to protect yourself from tech support scams
Learn how to recognize and respond to tech support scams. Discover six essential tips to safeguard your finances, spot red flags, and take action if you've been targeted. Stay informed and protect yourself in the digital age.
Article
A guide to consolidating HSA funds
Learn how to simplify your finances and boost your health care savings by consolidating multiple HSAs. Discover the benefits, step-by-step process, and key considerations for HSA consolidation in this detailed guide.
Article
Health savings account basics
A health savings account (HSA) can pay for planned and unplanned health care expenses and keep your budget on track.
Article
How to resolve FSA reimbursement issues
Learn why a flexible spending account (FSA) administrator asks for receipts, what substantiation means, and how to avoid imputed income. Get tips for managing your FSA and resolving reimbursement issues.
Article
Pairing an HDHP with an HSA: How & why to do it
Pairing an HDHP and HSA can have many benefits. Read on for details and learn how to use a HDHP with a health savings account (HSA).
Article
Maximize your FSA for pretax savings
Learn how to make the most of your flexible spending account (FSA). Confirm eligible expenses, avoid losing funds, and save on taxes with our informative guide to FSA management.
Article
How commuter benefits can save you money
Discover how commuter benefits work, their tax advantages, and if they roll over. Learn to maximize your savings on mass transit and parking expenses with our quick reference guide.
Article
What is COBRA insurance? COBRA 101
Discover what COBRA insurance is, how much it costs, and how long it lasts. Learn about your rights and options for continuing health coverage after job loss in this comprehensive guide.
Article
How to tell if a website is legitimate
When you access your accounts online, verifying website legitimacy is a key part of keeping yourself protected. Here's a comprehensive checklist on how to check if a website is legitimate.
Article
HSA and FSA contribution limits
Tax-advantaged accounts like health savings accounts and flexible spending accounts have contribution limits set by the IRS. We share what you need to know.
Article
FSA debit card: How to use it
Questions about how to keep your FSA debit card active? Read on to how and get more tips for using your FSA card.
Article
Five reasons to use a self-directed IRA for alternative investments
Alternatives can play a key role as powerful diversifiers in your overall portfolio, and using an IRA for alternative investments can add the benefit of tax-free growth over time. Here are five reasons to discuss the possibilities with your adviser.
Article
Rules for identification and receipt of replacement property in 1031 exchanges
Understanding the rules for identification in a 1031 exchange are essential for ensuring you are on track for a valid 1031 exchange.
Article
How to open a self-directed IRA in five steps
Here’s what you need to know as you get ready to open your first self-directed IRA, according to two Inspira Financial professionals.
Article
Are you sticking to your New Year’s resolutions?
Discover how pre-tax employee benefits, like HSAs and FSAs, can supercharge your New Year's resolutions.
Article
Get started managing your pre-tax benefits: tips for the early plan year
Dive into essential tips for early plan year management. Discover how to navigate contribution limits, plan for expenses, track receipts, and save for the future.
Article
SDIRA 101: What is a self-directed IRA?
If you want to invest alternative assets in an IRA, you might be wondering, what is a self-directed IRA (SDIRA)? We break it down and highlight the considerations.
Article
SDIRA 101: What is a self-directed IRA?
If you want to invest alternative assets in an IRA, you might be wondering, what is a self-directed IRA (SDIRA)? We break it down and highlight the considerations.
Article
How to spend health care FSA money
Spending FSA money sounds simple enough, but understanding eligible medical expenses can ensure your FSA funds don’t go to waste.
Article
What is a custodian?
What is a custodian? We break down this term in the financial services industry. Read on to understand what a custodian is, what it does, and how it works.
Article
Holding private equity in a self-directed IRA
Add diversity to your retirement nest egg with everything from start-ups to hybrid securities.
Article
6 steps to build your retirement income strategy
For years, you’ve been putting money away in your retirement fund, looking forward to the day when you can say goodbye to work and enjoy your golden years. But just having a retirement nest egg isn’t enough – you also need a retirement income strategy.
Article
5 things retirement savers should do at the start of each year
Whether you work with an advisor or plan and save for retirement on your own, consider taking these actions to help strengthen your financial security throughout the year.
Article
Tax season: What are Forms 1099-R and 5498?
Among the forms you are likely to receive from us are Form 1099-R and Form 5498. Learn why and what you’ll want to do with them
Article
Hedge funds in self-directed IRAs
Self-directed IRAs provide the type of benefits that many investors are looking for, such as tax advantaged savings and flexibility. They also represent a vast source of capital that can be invested in various types of alternative, non-traditional assets such as hedge funds.
Article
Financial planning for retirement: Helpful hints
Financial planning for retirement can be broken down into actionable steps. Let’s take a look at how to get started and what mistakes to avoid.
Article
Alternative investments: A portfolio diversification strategy
We dive into the knowledge gap preventing investors from pursuing alternatives and offer an overview of what alternative assets are.
Article
SECURE 2.0 Act: 529 to Roth IRA rollover
SECURE 2.0 Act Section 126 offers new options for excess or unused funds from 529 college savings plans. We explain the new Roth IRA retirement plan rollover option.
Article
1031 exchange rules for vacation homes, primary residences, and mixed-use properties
A variety of circumstances must be considered when exchanging property that may have been or will be a principal residence or vacation home.
Article
Basics of tax-deferred 1031 exchanges
We’ll provide an overview of some of the most fundamental 1031 exchange rules and concepts, as well as to clarify some common misconceptions
Article
Build a more resilient portfolio with alternative investments
Broadening diversification with alternative assets can help protect against volatility and improve portfolio resilience – and you can do it in your retirement account.
Article
Required Minimum Distributions update: SECURE 2.0 changes
The Required Minimum Distribution rules are changing with the passing of the SECURE 2.0 Act. We share the latest information on RMDs and this new law.
Article
Alternative investing: Time-tested for volatile markets
Learn why institutional investors’ portfolios include alternative investments and how individuals can achieve similar allocations in their IRAs.
Article
Tips for protecting yourself against identity theft
With millions affected each year by data breaches, here are some things you can do right away to help you protect your identity.
Article
What to know about the SECURE 2.0 Act retirement bill
SECURE 2.0 is a retirement bill that may impact your IRA or 401(k)or other workplace retirement plan. We break down the key changes that may affect you.
Article
Why updating your beneficiaries is important
When you first set up your retirement and other financial accounts, you designated one or more beneficiaries. But as the course of your life changes, these individuals and organizations may need updating.
Article
What real estate investors want in their IRA custodian
Many investors are familiar with real estate but are not familiar with the rules or how to invest with a self-directed IRA. An experienced client service team can help along the way.
Latest videos
Video
How did my account get here?
Wondering how your retirement money ended up with Inspira Financial? When you left your former employer and didn’t decide what to do with the savings left in your employer-sponsored retirement plan, they moved your money to Inspira.
Video
Health savings account (HSA) basics
An Inspira Financial health savings account (HSA) is a great way to set aside pretax dollars for eligible health care expenses.
Video
Making sense of alternative assets
Alternative assets are a growing class of investments and include things like real estate, private equity, hedge funds, and more. Inspira's deep and broad expertise can help you make sense of the world of alternative investments.
Video
Tax forms 1099-R and 5498
Form 1099-R reports potentially taxable distributions from retirement accounts like IRAs or 401(k)s. After the tax filing deadline, you may also receive IRS Form 5498 to report contributions.
Video
Flexible spending account (FSA) basics
An Inspira Financial flexible spending account (FSA) helps make it easier for you to pay for your family’s well-being while reducing your taxable income.
Video
Pairing a high-deductible health plan with an HSA
Combining your high-deductible health plan (HDHP) with an Inspira Financial health savings account (HSA) helps you save even more as you set aside pretax dollars to spend on eligible health care expenses not covered by your HDHP.
Video
Limited purpose flexible spending account (LPFSA)
Limited purpose FSAs can help you pay for eligible dental, orthodontic, and vision costs like fillings, braces, prescription sunglasses, and contact lenses.
Video
Managing your Inspira HSA online
We’ve made it amazingly simple for you to manage your Inspira Financial HSA online and through our mobile app.
Video
Health care flexible spending account (HCFSA) basics
A health care flexible spending account (FSA) lets you spend smarter and save money when it comes to your everyday health care expenses.
Video
Using your IRA to invest in real estate
Use funds from your IRA to invest in residential or commercial land or buildings, from foreclosures and rentals to undeveloped land – the choice is yours.
Video
Health reimbursement arrangement (HRA) basics
Health reimbursement arrangements (HRAs) are employer-funded health care expense accounts that help you pay for eligible expenses like health supplies, medications, and doctor’s visits.
Video
Dependent care flexible spending account (DCFSA) basics
Dependent care flexible spending accounts (DCFSA) can help you save on taxes while paying for quality child care and adult care.
Video
Required minimum distribution (RMD) basics
When you turn 73, the IRS requires you to withdraw money from your retirement accounts each year, also known as required minimum distributions (RMDs).
Video
¿Cómo llegó mi cuenta aquí?
¿Se pregunta cómo fue a parar su dinero de jubilación a Inspira Financial? Cuando usted se marchó de su anterior empresa y no decidió qué hacer con los ahorros que le quedaban en su plan de jubilación patrocinado por la empresa, esta trasladó su dinero a Inspira.
Video
Formularios de Impuestos-1099 R y 5498
El formulario 1099-R reporta aportaciones que pueden estar sujetas a impuestos de cuentas de jubilación como las IRA o las 401K. En mayo, después de la fecha límite de presentación de impuestos, también puede recibir un formulario 5498 de IRS.