Join Women Talk Money for a session all about HSAs. Women tend to live longer and have higher health care costs throughout their lifetimes, so tax-efficient savings can be a powerful tool in helping you prepare. We’ll cover the questions we get asked most about HSAs: who qualifies, how contributions work, tips to balance saving, investing, and spending, and more. We’ll also talk about what you should know as your life changes—whether you’re self-employed, growing your family, approaching retirement, changing jobs, or taking a break from the workplace.
In this discussion, we’ll share:
• How an HSA works, who is eligible, what you should keep in mind come tax time, and ways to help your savings work harder for you
• What women should know about health care in retirement—and how an HSA can help you save
• Ways you can use an HSA strategically at different points of your life
• Lesser-known tips for using an HSA to help you reach your savings goals beyond health care
Keep in mind that investing involves risk. The value of your investment will fluctuate over time, and you may gain or lose money.
This information is intended to be educational and is not tailored to the investment needs of any specific investor.
The third parties mentioned herein and Fidelity Investments are independent entities and are not legally affiliated.
The information provided here is general in nature. It is not intended, nor should it be construed, as legal or tax advice. Because the administration of an HSA is a taxpayer responsibility, customers should be strongly encouraged to consult their tax advisor before opening an HSA. Customers are also encouraged to review information available from the Internal Revenue Service (IRS) for taxpayers, which can be found on the IRS Web site at www.IRS.gov. They can find IRS Publication 969, Health Savings Accounts and Other Tax-Favored Health Plans, and IRS Publication 502, Medical and Dental Expenses (including the Health Coverage Tax Credit),online, or you can call the IRS to request a copy of each at 800.829.3676.
*Series exams are administered by the Financial Industry Regulatory Authority and state securities administrators. Individuals are required to pass certain examinations and/or meet other criteria in order to be eligible to partake in certain securities industry activities.
The CERTIFIED FINANCIAL PLANNER® certification, which is also referred to as a CFP® certification, is offered by the Certified Financial Planner Board of Standards Inc. (“CFP Board”). To obtain the CFP® certification, candidates must pass the comprehensive CFP® Certification examination, pass the CFP® Board’s fitness standards for candidates and registrants, agree to abide by the CFP Board’s Code of Ethics and Professional Responsibility, and have at least three years of qualifying work experience, among other requirements. The CFP Board owns the certification marks CFP® and CERTIFIED FINANCIAL PLANNER® in the U.S.
Investment advisor representatives are licensed with Strategic Advisers LLC (Strategic Advisers), a registered investment adviser, and registered with Fidelity Brokerage Services LLC (FBS), a registered broker-dealer. Whether a Fidelity representative provides advisory services through Strategic Advisers for a fee or brokerage services through FBS will depend on the products and services you choose.
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Karen Volo is Head of the Health & Benefit Accounts Domain for Fidelity Investments, where she manages the HSA and Reimbursement Account business with over $46 billion in assets and 4.5 million health saving accounts, and 600K reimbursement accounts.
Karen has spent her career helping employers across the country understand and address the unique financial needs of their employees at every life stage.
Karen and her team work with employers to provide actionable resources and planning support to help employees navigate their health savings opportunities through Health Saving Accounts, Flexible Spending Accounts and other various Reimbursement Accounts.
A 30-year veteran of Fidelity, Karen has previously held roles in relationship management, program implementation and sales. She holds her Series 7, 24 and 63 securities registrations*.
Karen lives in Florida with her husband Mike. Together, they have 3 adult children.
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As Director of Advanced Planning, Vanessa partners with clients to navigate complex financial decisions
with confidence and clarity. She delivers a collaborative planning experience that is comprehensive, strategic, and deeply personal—aligning each plan with the clients’ unique goals, values, and family dynamics to ensure it reflects what matters most.
Vanessa has spent 13 years at Fidelity Investments, serving in various roles, including six years as a Workplace Financial Consultant before transitioning into her current position. She’s passionate about empowering individuals to take control of their financial future, reach their goals, and create a path toward
financial freedom.
Outside of work, Vanessa and her boyfriend, Clark, recently relocated from Houston, TX, to Denver, CO,
with their two dogs, Samson and Archie. They’re excited to embrace Colorado’s outdoor lifestyle— whether it’s hiking scenic trails or hitting the slopes for snowboarding.
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Randelle Lenoir is a vice president and branch leader in the Chicago area. She spends her days at Fidelity inspiring a team of financial professionals and coaching them in how to deliver essential support to customers in need of financial planning.
She’s been in the industry since 2008, the majority of that time working one-on one with clients from all walks of life, helping them solve problems and achieve goals. She believes that solid financial planning relationships can changes lives and communities for the better.
Randelle holds a bachelor’s degree in economics from Michigan State University and calls Lansing, Michigan, her hometown. Her special interests include community building, wellness, education, and artistic expression of all sorts.
Julie Marxen, a Fidelity Workplace Financial Consultant, has been with the company since 2017 and in the financial industry since 2014. She was previously an Investment Consultant at Fidelity’s Burbank Investor Center. Ms. Marxen promotes financial wellness for plan participants through one-on-one planning and educational events. A CERTIFIED FINANCIAL PLANNER® certificant, Equity Compensation Associate, investment advisor representative, registered securities representative, and licensed insurance representative, Julie holds a bachelor’s degree in English from the University of Southern California and a master’s degree in business administration from St. Joseph’s University.
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Alexandra (Alex) Roca is the Women Talk Money host. She specializes in bringing financial education to life, transforming complex retirement and investment topics into engaging, actionable insights for Fidelity clients.
She is a registered representative, is a CERTIFIED FINANCIAL PLANNER® professional, and has her Florida insurance license. A bilingual presenter in English and Spanish, Alex is always looking for new ways to make financial planning relatable and engaging.
When she’s not demystifying finances, you can find her spending time with family and friends, cooking up something delicious, traveling, reading, or enjoying a concert.
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