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A 65-year-old couple retiring in 2019 can expect to spend $285,000 on health-care and medical expenses throughout retirement, according to Fidelity’s annual Retiree Health Care Cost Estimate.

It should be no surprise, therefore, that among all ages of adults, 51% say their top retirement concern is paying for health care, Franklin Templeton research has found. However, that same research notes, those who have a health savings account (HSA) are more certain about how they will cover future health care costs. With their triple-tax-advantaged status and flexibility as both a short-term and long-term savings vehicle, HSAs are becoming part of not only the health benefits conversation, but retirement income.

That’s why PLANSPONSOR last year launched the PLANSPONSOR HSA Conference, which will be held this year in Chicago, October 3. The event is designed to educate plan sponsors that currently offer, or are considering offering, these accounts. It’s also a great opportunity for advisers who want to get up to speed on this fast-growing benefit option.

The conference agenda will cover multiple aspects of the accounts, to help employers and advisers best oversee and support them. Topics to be discussed include: current and proposed laws and regulations for HSAs; how HSAs operate; best practices in HSA provider selection and ongoing administration; and how investing HSA assets can increase the potential for long-term savings.

Plan sponsors and advisers, register now to attend the second annual PLANSPONSOR HSA Conference!

agenda

HSA Conference

HSA Conference

  1. 8:30 am–9:15 am

    Registration and Breakfast
    Monroe Room – located on the 2nd floor

  2. 9:15 am–9:30 am

    Opening Remarks
    Michigan Room – located on the 2nd floor

  3. 9:30 am–10:15 am

    Landscape and Outlook for HSAs

    An overview of the industry and market; current affairs and future predictions, as well as what’s in store for these vehicles in Washington, D.C., with updates on California’s and New Jersey’s non-compliance with federal HSA rules.

    Presenter:
    J. Kevin A. McKechnie, Executive Director ABA HSA Council, ABA Office of Insurance Advocacy

  4. 10:15 am–11:15 am

    Plan Design and Engagement Strategies

    There is a wide gap between employer HSA offerings and employee adoption and funding—a gap that needs to be bridged. Employees currently misunderstand the full value proposition that the accounts provide. Guidance and support are needed, from a “Welcome” email to setup and usage of its mobile app. Several proven methods by which to engage and incentivize employees—via education, communication and plan design—will be discussed.

    Moderator:
    Daniel Bryant, President, National Sales, Retirement and Private Wealth, Sheridan Road Financial, a division of HUB International

    Panelists:
    Glen Kvadus, Vice President, Optum Financial Services
    Jamie D. Greenleaf,
    Lead Advisor / Principal, Cafaro Greenleaf 

  5. 11:15 am–11:45 am

    Refreshment Break
    Monroe Room

  6. 11:45 am–12:15 pm

    HSA Administration Best Practices

    What common challenges will plan sponsors face in administering HSAs, and how can those be avoided? A solid foundation for HSA administration, with a strategic vision for plan outcomes, is key. This session covers best practices for eligibility, enrollment and activation, managing contributions, distributions and more.

    Moderator:
    Judy Faust Hartnett, Managing Editor, PLANSPONSOR magazine

    Panelists:
    Matt Richardson, Senior Vice President/Sales Manager, UMB Healthcare Services

  7. 12:15 pm–1:00 pm

    Keynote Address: How HSAs can Play a Role in Healthcare, Long-term Care, and Retirement

    This presentation will briefly touch on Nationwide’s Annual Healthcare and Retirement Survey, while educating on common retirement expenses such as Medicare and Long-Term Care.  A strong plan using HSAs can help employees prepare for retirement more effectively.

    Moderator:
    Carlo Cordasco, Vice President, Nationwide Retirement Institute®

    Sponsored by Nationwide Mutual Insurance Company

  8. 1:00 pm–2:00 pm

    Lunch
    Cathedral Hall – located on the 9th floor

  9. 2:00 pm–2:30 pm

    Evaluation and Selection of an Optimal Investment Lineup

    The HSA market has grown rapidly and is often compared to the advent of 401(k) plans. This session will take an in-depth look at the benefits and limitations of each account highlighting why an HSA investment menu is more nuanced than a typical 401(k) plan, plus what to consider when selecting an HSA lineup.

    Moderator:
    Alison Cooke Mintzer, Publisher, ISS Media

    Panelists:
    Gregory F. Adams, Consultant, Fiduciary Investment Advisors, LLC

  10. 2:30 pm–3:15 pm

    The Relationship Between Retirement Plans and HSAs

    For employers, there are many considerations as to how HSAs can integrate with or mirror the retirement plan. The panel will discuss how employers can most effectively allocate dollars between health and retirement savings vehicles.

    Moderator:
    Alison Cooke Mintzer, Publisher, ISS Media

    Panelists:
    William Applegate, Vice President, HSA products, Fidelity Investments
    Brian Lynch,
    Strategic Account Manager, Defined Contribution Division, US, Franklin Templeton

  11. 3:15 pm–3:30 pm

    Refreshment Break
    Monroe Room

  12. 3:30 pm–4:30 pm

    Financial Wellness and HSAs

    For participants, one of the biggest challenges an HSA presents is how to fit it into their broader financial picture. Employees have several workplace options for saving—traditional 401(k)s, Roth 401(k)s, HSAs, etc.—and various debt obligations such as student loans and mortgages. This discussion will be explore how employees can best allocate their money according to their individual situation.

    Moderator:
    Alison Cooke Mintzer, Publisher, ISS Media

    Panelists:
    Kenneth Verzella, Head of Financial Wellness Strategist Group, Investment Innovation Solutions Workplace Product, MassMutual
    Nate Black,
    AVP – Health Savings and Spending Accounts, Voya Financial® 
    Paul Galliano,
    Institutional Sales Manager, Bank of America

  13. 4:30 pm

    Closing Remarks

  14. 4:30 pm–5:30 pm

    Networking Reception
    Monroe Room

registration

Pricing

This event has been exclusively designed for plan sponsors and advisers/consultants. Please see the registration rates below:

Plan Sponsors: Complimentary
Advisers/Consultants: Complimentary

Providers (i.e. record keepers, asset managers, insurance companies) that are not sponsoring the conference will not be allowed to attend the conference.

sponsors

Become a sponsor. Join a select group of industry product and service providers who are maximizing their firm’s exposure in front of this highly influential group of plan sponsors and retirement plan advisers.

speakers

  • Gregory F. Adams

    Gregory F. Adams

    Consultant
    Fiduciary Investment Advisors, LLC
    Gregory F. Adams
    Consultant
    Fiduciary Investment Advisors, LLC

    Greg is a Consultant at Fiduciary Investment Advisors, LLC (FIA). His focus is on defined contribution retirement plans, both corporate and tax-exempt. He is proficient in 401(k), 457(b), 401(a), 403(b) and non-qualified plan consulting. Greg has significant experience building, designing, and managing plans in the defined contribution markets. Before joining FIA, Greg worked in both institutional and individual wealth management helping to create positive retirement outcomes for plan sponsors and plan participants. Greg also has experience in insurance, tax, and estate planning. Greg has earned the Chartered Financial Consultant designation from the American College

  • Will Applegate

    Will Applegate

    Vice President, Industry Relations
    Fidelity Health Solutions
    Will Applegate
    Vice President, Industry Relations
    Fidelity Health Solutions

    Since joining Fidelity in 2005 as Vice President, Emerging Products, Will Applegate has served as Product Manager for both Health & Welfare Administration and the Fidelity HSA® (Health Savings Account). He also served as the team leader for the Fidelity HSA® product launch and led HSA business development efforts for the Fidelity HSA®. In his current role, Will has responsibility for Fidelity’s relationships with intermediaries with a focus on the distribution of our health offerings, as well as industry events.
    Prior to joining Fidelity, Will developed Mellon Financial Corporation’s HSA product offering following Mellon’s acquisition of Kwasha Lipton. Will’s prior roles at Kwasha Lipton included managing large benefit outsourcing relationships, developing one of the first H&W administration platforms, and consulting with employers on health care plan design, pricing, and vendor selection.

    Will graduated from Colgate University with a Bachelor of Arts in Computer Science and holds FINRA Series 7 and 63 licenses. He is an influential figure on the topic of emerging health care consumerism and is a frequent speaker at industry conferences.

  • Nate Black

    Nate Black

    AVP - Health Savings and Spending Accounts
    Voya Financial
    Nate Black
    AVP - Health Savings and Spending Accounts
    Voya Financial

    Nate Black is AVP for Voya’s Health Savings and Spending Accounts product line. In his role, Nate is responsible for the profitable growth of the Spending Accounts business. Prior to joining Voya, Nate was a leader in McKinsey & Company’s Health Systems and Services practice where he focused on strategy and operations topics. Nate previously led Corporate Development for Bloom Health, a benefits technology company. Nate holds a bachelor’s degree in Mathematics and Economics from St. Olaf College.

  • Daniel Bryant

    Daniel Bryant

    President of National Sales, Retirement and Private Wealth
    Sheridan Road Financial, a division of HUB International
    Daniel Bryant
    President of National Sales, Retirement and Private Wealth
    Sheridan Road Financial, a division of HUB International
  • Carlo Cordasco

    Carlo Cordasco

    Vice President
    Nationwide Retirement Institute
    Carlo Cordasco
    Vice President
    Nationwide Retirement Institute
  • Paul Galliano

    Paul Galliano

    Senior Vice President, Health Benefit Solutions Sales Manager
    Bank of America
    Paul Galliano
    Senior Vice President, Health Benefit Solutions Sales Manager
    Bank of America

    Paul has been a manager on the Health Benefit Solutions sales team since early 2019 based in Charlotte, NC.  Paul joined Bank of America in 2006 and has held positions in Six Sigma, Consumer Marketing, Associate Financial Solutions, and Corporate Partner Financial Wellness.  He holds Series 7, 66, and 24 licenses. Prior to Bank of America, he spent time with JP Morgan Chase, WebMD, GE and GE Capital, NASA, and the U.S. Department of Defense.  He received a Bachelor of Aerospace Engineering degree from Auburn University, as well as a Master of Business Administration degree from Vanderbilt University.

  • Jamie Greenleaf

    Jamie Greenleaf

    Lead Advisor / Principal
    Cafaro Greenleaf
    Jamie Greenleaf
    Lead Advisor / Principal
    Cafaro Greenleaf

    A recognized expert in the retirement plan industry, Jamie has been with Cafaro Greenleaf since 1993 and a principal since 1997. She has been a recognized vice president and retirement plan advisor with UBS Financial and with Prudential Securities, consistently ranking among the top retirement advisors nationally at both firms. Jamie is regularly invited to speak at industry conferences and is a sought­ after presenter for many other advisor and plan sponsor continuing education sources such as Pensions and Investments, HR.com, and SHRM University Conference Services. Jamie serves on the Advisory Boards of Prudential and American Century and John Hancock, as well as participated in the Leadership Council for the National Association of Plan Advisors (NAPA), where she regularly provides her retirement plan expertise and experience to our nation’s regulators and policymakers in Washington DC. Jamie has spent her entire professional career helping retirement programs and public funds. She has provided consulting services in all areas of plan management and oversight, including plan design, fees and services benchmarking, investment management selection and monitoring, fiduciary and regulatory compliance, investment policy design, and financial education to many Fortune 500 and publicly traded companies, nonprofit entities and public agencies. She is an adjunct lecturer in the Plan Sponsor University certification program for UCLA’s Anderson School of Business-Executive Education. Greenleaf holds a BA in Business Administration from Delaware Valley College, is a Registered Financial Advisor and is Life and Health insurance licensed. Jamie is also is a Registered Investment Advisor representative and holds series 7, 26, and 63 licenses. Jamie is known for her extensive and unparalleled knowledge, expertise and passion for the industry. She has a keen ability to guide, support and educate plan trustees, plan sponsors and plan participants alike. Leading from our headquarter office in Red Bank, New Jersey, Jamie advises throughout the New York Metropolitan and Tri State areas, traveling to other regions of the country when the opportunity to serve arises. Jamie currently resides in Rumson, NJ with her husband and two sons.

  • Glen J Kvadus Jr.

    Glen J Kvadus Jr.

    Vice President
    Optum Financial Services
    Glen J Kvadus Jr.
    Vice President
    Optum Financial Services

    Glen is the Product Manager for Optum Market, driving the overall product development and consumer experience. Glen has been with United Health Group for 10 years, providing leadership and delivery of multiple consumer products. In addition to his product development background, Glen has extensive experience in technology and application development. Glen’s earlier professional experience includes Enterprise Application Development for Cigna and Travelers insurance.  In addition, he has 10 years of military service in the United State Air Force Reserves, as Medical Technician and Mobility Officer.  Glen has a Bachelor’s Degree in Management Information Systems from Central Connecticut State University.

  • Brian Lynch

    Brian Lynch

    Strategic Account Manager
    Franklin Templeton Investments
    Brian Lynch
    Strategic Account Manager
    Franklin Templeton Investments

    Brian joined Franklin Templeton in 2017 and is the strategic account manager responsible for relationships with key platform partners and broker/dealers.  In this role, he helps home offices develop strategies to build better plans and help more participants develop a secure retirement. Prior to joining Franklin Templeton, Brian spent 7 years at J.P. Morgan working with plan advisors and was responsible for the distribution of investment solutions in the mid-Atlantic and Pacific Northwest territories.  He was also a featured speaker at industry events and participant meetings on topics related to successful retirement planning.  Prior to J.P. Morgan, Brian spent 5 years at AB Investments and was responsible for distributing their investment solutions in the upper mid-west.  He started his career at AXA Advisors and attained his Retirement Benefit Specialist, Tax Sheltered plans designation. Brian has a degree in economics from the University of Maryland and resides with his wife and 3 boys in New Jersey.

  • J. Kevin A. McKechnie

    J. Kevin A. McKechnie

    Director ABA’s HSA Council
    ABA Office of Insurance Advocacy
    J. Kevin A. McKechnie
    Director ABA’s HSA Council
    ABA Office of Insurance Advocacy

    J. Kevin A. McKechnie is Executive Director of the ABA’s HSA Council and a Senior Vice President at the American Bankers Association, representing the Council before Congress and the federal government. Mr. McKechnie is a nationally recognized expert in insurance generally and health insurance in particular, and is the winner of the 2011 Public Policy Leadership Award from the Institute for Healthcare Consumerism. Mr. McKechnie is also a principle in HSA Holdings, an organization of global healthcare financing experts, providing health care financing expertise to several governments around the world. Mr. McKechnie joined ABA in 2001 after serving for four years a Government Relations Representative for the Affinity Services Division of Marsh & McLennan. Previously, Mr. McKechnie served as Director of Government Relations for International Financial Services, a wealth management and insurance consulting firm located in Bethesda, Maryland. Prior to this assignment, Mr. McKechnie served as Legislative Assistant on the Congressional staff of former Representative William Dannemeyer of California. Prior to his appointment on Capitol Hill, Mr. McKechnie served as Director of Legislative Affairs for the Segermark Company, an association management firm. Mr. McKechnie pursued graduate studies in American history at the American University in Washington, D.C. after receiving his BA in History and Political Science from York University in Toronto, Canada. Born in Madison Wisconsin, Mr. McKechnie grew up in Toronto and has lived in the Washington D.C. area for thirty years.

  • Matthew Richardson

    Matthew Richardson

    Senior Vice President, Sales Manager, Healthcare Services
    UMB Healthcare Services
    Matthew Richardson
    Senior Vice President, Sales Manager, Healthcare Services
    UMB Healthcare Services

    Matthew (Matt) joined UMB in 2012 and serves as senior vice president, sales manager for Healthcare Services. In this role, he leads the sales team in developing new partnerships with health plans, third party administrators, retirement services and technology companies to provide time tested healthcare payment and custodial solutions. Additionally he acts as an advocate for the use and expansion of benefit accounts for the healthcare industry. He currently serves on the membership committee for the Employers Council on Flexible Compensation (ECFC). Prior to joining UMB, Matt was vice president of HSA sales and client experience at Fifth Third Bank. Matt earned a Bachelor of Business Administration degree from the University of Cincinnati. He serves on the membership committee for the Employers Council on Flexible Compensation (ECFC).

  • Ken Verzella

    Ken Verzella

    Head of Financial Wellness Strategist Group
    MMUS Investment Solutions Innovation
    Ken Verzella
    Head of Financial Wellness Strategist Group
    MMUS Investment Solutions Innovation

    In his role, Ken is responsible for leading a group dedicated to delivering a life navigation-based Financial Wellness program that evolves the way participants think, behave and feel about their financial life, in mutual partnership with employers and their Financial Intermediaries.  Ken has over 20 years of institutional Workplace experience. Most recently, he was a Vice President within Prudential Retirement’s Intellectual Capital Group.  Ken was accountable for serving as a subject matter expert to Prudential’s National Sales & Key Account Teams.  He provided comprehensive investment consulting services to prominent DB/DC clients, and was a recurring speaker at industry forums discussing central matters that impacted the retirement landscape. Prior, Ken was 2nd Vice President within New York Life Investment Management’s Investment Services Group.  He was responsible for the oversight of a group of investment professionals, conducting investment due-diligence and analysis. Ken received his bachelor’s degree in finance from Bryant University, and his MBA in Finance & International Management from Northeastern University.  He holds several FINRA and Insurance licenses.  Ken lives outside Hartford, Connecticut with his wife Michelle, and three children Owen, Brady, and Maeve.

venue

University Club of Chicago

The 2019 PLANSPONSOR HSA Conference will be held at the University Club of Chicago, 76 E. Monroe Street, Chicago, Illinois.