Mainstay Capital Management, LLC
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Important Consumer Disclosure:
Mainstay Capital Management, LLC is an investment advisor registered with the Securities and Exchange Commission. Due to various state regulations and filing requirements, Mainstay and its representatives may only provide investment advisory services in those states in which it is first appropriately registered or otherwise exempt or excluded from registration requirements. The purpose of this website is to provide the public with general information about the services offered by our investment management firm. Mainstay does not render personalized investment advice or services or effect, or attempt to effect any securities transactions, on this website. Our firm continuously monitors its filing requirements in all states, and will provide individualized advisory services only in accordance with various state regulations. Mainstay does not make any representations or warranties as to the accuracy, completeness, or relevance of any information prepared by any unaffiliated third party provider, whether linked to Mainstay's website or incorporated herein. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

Health Savings Accounts

A newer form of health insurance is getting more and more attention. A Health Savings Account (HSA) allows you to save and pay for current and future health care expenses in a tax-advantaged way. You can contribute to an HSA on a pre-tax basis through payroll deductions. Contributions to your HSA belong to you – even if you choose to retire or leave your current employer in the future. There is no “use it or lose it” rule like a Flexible Spending Account. In an HSA you can use your funds as needed to pay for current health care expenses or rollover unused funds from year-to-year and continue to grow your account tax-free.

Assets contributed to and invested in an HSA actually have a tax deferred status that combines both the advantage of pre-tax contributions and tax-free withdrawals, making it the most tax favored investment account available. The maximum contribution to an HSA plan in 2010 is $3,050 for an individual and $6,150 for a family. An annual catch-up contribution is allowed for participants age 55 and older, which is $1,000 for an individual.

General Motors, Ford Motor Co., and Delphi are among the many employers now offering HSAs as an option for employee health insurance. Each company’s HSA offers a number of investment options in which you can invest contributions. Currently, GM offers fifteen investment options within the HSA, Delphi offers twelve, and Ford offers nine.

We have developed model portfolios (below) for each of these plans. Assets invested in these model portfolios should have at least a five year time horizon. Assets in your HSA needed for near-term medical expenses should be held in a very conservative investment option.

Visit our website in the future for updates on HSA plans and periodic updates to our HSA model portfolios.

August 13, 2010 HSA Model Portfolio Updates

To follow a model portfolio strategy, simply allocate your current HSA holdings among the funds and allocations shown for the model portfolio strategy. For questions concerning the HSA Model Portfolios, call Mainstay Capital Management toll-free at 1-866-444-6246.

The HSA Model Portfolios are provided as a courtesy of Mainstay Capital Management as general investment advice and do not constitute a specific investment recommendation. All material presented concerning HSAs and contained in the HSA Model Portfolios is compiled from sources believed reliable, but its accuracy and completeness, and the opinions based thereon, are not guaranteed and MCM assumes no responsibility for errors and omissions. Before buying any mutual fund, an investor should read its prospectus and Statement of Additional Information carefully.