aequum ERISA Counsel Jack Towarnicky Presents at Key Industry Symposia: HSA and 401(k) Better Together

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CLEVELAND, May 14, 2024–(BUSINESS WIRE)–aequum LLC, acting on behalf of more than 425 self-insured health plans and their participants nationwide, announces that Jack Towarnicky, ERISA counsel, will present “The HSA and 401(k) – Better Together,” at World at Work’s Total Rewards Conference May 21, Cincinnati, OH and the 43rd Annual ISCEBS Symposium, September 18, Nashville, TN. Attendees will get expert guidance for leveraging the collective power of Health Savings Accounts (HSAs) and 401k plans – leveraging provisions unique to each to maximize tax-favored and tax-free savings along the way to and throughout retirement.

“There is no time like the present to blend these strategies and gain a competitive cost advantage in the competition for talent,” says Towarnicky. “This year marks the 20th anniversary of the first HSA, a milestone in its young existence, and the 43rd year since 401(k) provisions were first added to a retirement plan. The convergence of health and wealth topics now informs financial wellness programs in the workplace to help employees better manage medical debt, household expenses and plan for retirement.”

He advises that while it has been decades since early adopters achieved a competitive financial advantage by coupling HSAs and 401k’s, it’s never too late to pursue this synergistic, symbiotic combination which works better together than in silos.

“This opportunity comes at a time when millions of working Americans are struggling to save for medical care and retirement, and others delay important treatment and retirement because of financial challenges,” he continues. “Working together, these two savings vehicles combine to create a competitive cost and engagement advantage through improved financial resiliency, emergency preparedness, wealth accumulation and retirement preparation.”

Participants at each event will learn how to:

  • Create a plan that lowers employer-paid and worker-paid medical expenses while increasing financial resiliency, aggregating retirement savings and improving retirement preparation.

  • Leverage available transition provisions and innovations to improve associate engagement, with real and perceived perceptions of improved value.

  • Significantly improve retirement preparation by leveraging tax preferences, especially retiree medical and long-term care risk exposures.

About aequum, LLC

Founded in 2020, aequum LLC serves third-party administrators, medical cost management companies, stop-loss carriers, employer-sponsored health plans and brokers nationwide to protect plan participants, improve employee satisfaction with their health care plans, and generate plan and participant cost savings. aequum LLC helps patients defend medical balance bills and brings savings to employer-sponsored health plans by providing administrative and other services to its partners. In addition, its sister organization, Koehler Fitzgerald LLC, provides legal advocacy to plan participants. Visit

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