UNLOCK PLANNING STRATEGIES NOW
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UNLOCK PLANNING STRATEGIES NOW ●
2026 OPEN ENROLLMENT GUIDE
Every fall, open enrollment asks you to make a handful of quick decisions — insurance tiers, contribution amounts, coverage levels — and move on. But for individuals with more complex financial pictures, those same decisions can touch retirement timing, tax exposure, lending, and insurance planning in ways that aren't always obvious in the moment.
Beyond the Benefits: How Open Enrollment Decisions Fit Into Your Financial Strategy breaks down three elections worth a second look this year, and how to weigh them against your broader financial plan.
The guide explores:
Non-Qualified Deferred Compensation (NQDC): How deferring compensation can affect the timing of taxable income, retirement cash flow, and liquidity — and why these elections often can't be undone once the window closes.
Health Savings Account (HSA) Contributions: Why a Health Savings Account can be more than a way to cover this year's medical bills, and what to consider if you're weighing it as part of a longer-term savings strategy.
Supplemental Life & Disability Insurance: How to tell whether the coverage your employer offers still matches your income, obligations, and family circumstances — and when it may be worth supplementing.
A framework for connecting benefits to your bigger picture: Questions to bring to your financial, tax, and legal advisors before you finalize your elections.
Are you an executive?
Hilltop Wealth Advisors’ specializes in retirement and wealth strategies for senior leaders and executives of Cisco, Duke Energy, Duke Health, Duke University, Google, GSK, IBM, IQVIA, and SAS.
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