As part of your employee benefits package, you have access to all sorts of things like health care coverage, a 401(k) plan and potentially even stock options. However, what could end up being the most beneficial may also be the most overlooked: a health savings account (HSA).

The U.S. Bureau of Labor Statistics has reported that upwards of 10% of the workforce is employed in an "alternative work arrangement." These alternative arrangements take many forms: independent contractors, freelancers, gig workers, and more.

Tax planning is an important element of financial management. The goal is to minimize your tax liability while enhancing the overall efficiency of your financial strategy. It involves a detailed analysis of your financial situation to leverage tax laws and provisions. This process ensures that individuals and businesses can make informed decisions that lead to increased savings and optimal economic outcomes.

Retiring before Medicare? Discover 4 smart strategies to cover health care costs in early retirement—from COBRA and HSAs to ACA plans and spousal coverage options.

Looking to reduce taxes in retirement? Discover 3 smart IRA strategies—like Roth conversions and withdrawal timing—that can help you keep more of your hard-earned savings.