1 Your HSA plan may offer investment options once your balance reaches a certain threshold. All investing involves risks of fluctuating prices and the uncertainties of rates of return and yield inherent in investing. All security transactions involve substantial risk of loss. * Retirement Consultants are registered representatives of and offer securities through Voya Financial Advisors, Inc. (member SIPC) ** IMPORTANT: The illustrations or other information generated by the calculators are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. This information does not serve, either directly or indirectly, as legal, financial or tax advice, and you should always consult a qualified professional legal, financial and/or tax advisor when making decisions related to your individual tax situation. Products and services offered through the Voya® family of companies. Health Savings Accounts offered by Voya Benefits Company, LLC (in New York, doing business as Voya BC, LLC). Custodial services provided by Voya Institutional Trust Company. Investments are not FDIC Insured, are not guaranteed by Voya Benefits Company, LLC (in New York, doing business as Voya BC, LLC), and may lose value. All investing involves risks of fluctuating prices and the uncertainties of return and yield inherent in investing. All security transactions involve substantial risk of loss. Not FDIC/NCUA/NCUSIF Insured I Not a Deposit of a Bank/Credit Union I May Lose Value I Not Bank/Credit Union Guaranteed I Not Insured by Any Federal Government Agency Insurance is issued by ReliaStar Life Insurance Company (Minneapolis, MN) and ReliaStar Life Insurance Company of New York (Woodbury, NY). Within the State of New York, only ReliaStar Life Insurance Company of New York is admitted, and its products issued. Both are members of the Voya® family of companies. Voya Employee Benefits is a division of both companies. Form numbers, product availability and specific provisions may vary by state. 230300 3667450_0825 ©2025 Voya Services Company. All rights reserved. CN4763978_0927 Scan the QR code to visit V oya.com , where you can access a variety of educational resources including blog articles, live seminars, on - demand videos, calculators and more. Voya.com resources available 24/7 1. Do your kids want to go to college? Explore our resources to help you plan ahead and understand your options when the time comes. 2. Are you nearing retirement? Discover our resource cente r to help you get organized and ready as you prepare for this exciting new chapter. 3. Are you expecting a baby next year or might you have an unexpected hospital stay? Consider enrolling in Hospital Indemnity Insurance . It can help lessen the financial impact by paying you a fixed daily benefit if you have a covered stay in a hospital or other covered facility. November Saving for college Evaluate your retirement readiness Expecting a baby 1. Many retirement accounts, such as traditional IRAs and 401(k) plans, allow you to defer taxes on pretax contributions and earnings until you withdraw funds. Eventually, the government requires you to take your money with RMDs (Required Minimum Distributions) . 2. Protect the ones you love by considering an estate plan. Discover how you can start in six manageable steps . 3. Have you maximized your Flexible Spending Account for the year? Explore what Flexible Spending Accounts are, the different types and how you can you use them before the end of the year. December Required Minimum Distributions (RMDs) Estate planning Flexible Spending Account (FSA) year - end spending Birthday reminders 1. Consider increasing your retirement contributions by 1% or 2%. 2. Review and update beneficiaries for your retirement plans, Health Savings Account and life insurance. 3. Consider setting a reminder to increase your HSA contributions during the next open enrollment season to keep saving for future health care costs.