Neil Manning, CFP of Gateway Financial Partners

05/26/2026

Health Savings Accounts (HSAs) are often misunderstood as “spending accounts.”

In reality, they’re one of the most tax-advantaged ways to prepare for retirement healthcare costs.

Here’s why:

Triple Tax Advantage: Contributions are tax-deductible, growth is tax-deferred, and withdrawals for medical expenses are tax-free.

No Use-It-or-Lose-It: Unlike FSAs, HSA balances roll over year after year.

Receipts Strategy: Save medical receipts now, reimburse yourself later tax-free, while investments keep compounding.

For families who qualify, an HSA can quietly become a retirement powerhouse.

05/21/2026

Prescription drugs, Medicare gaps, and long-term care can strain even the best retirement plan. Planning ahead helps reduce surprises.

Do you know what health care expenses your plan doesn’t cover?

https://www.kiplinger.com/kiplinger-advisor-collective/planning-for-health-care-costs-in-retirement?

Medical expenses aren't slowing down, and if you're not prepared, they can hit you like a ton of bricks.

05/18/2026

Many families use the terms executor and trustee interchangeably, but they play very different roles.

Executor: carries out instructions in your will, usually through probate.

Trustee: manages and distributes assets placed in a trust.

05/13/2026

A plan that only works when markets are calm may leave cracks exposed when life changes suddenly.

Stress-testing your financial plan against:

Market downturns

Healthcare costs

Tax changes

Family emergencies

…can help reveal vulnerabilities before they become problems.

860.430.8141
[email protected]

05/08/2026

To celebrate Mother's Day this year - give blood!!

Two years ago, in the last several months of her life, my mom needed a number of blood transfusions. She was terminally ill, but those transfusions gave us more time. Time for her to tell stories about her former boyfriends, time for us to watch her soap operas together, and time for my daughter to get home from her semester abroad in Africa so that she could say goodbye. I am so grateful for the nurses and aides who cared for her and also for the people who donated blood so we could have those last months together.

As we celebrate all of the mothers out there on May 10th, consider giving blood as a service to our community and our society. You don't know whose mother you might be helping.💛

Here is a link to find a blood drive in your area:

https://www.redcrossblood.org/give.html/find-drive?cid=brand&med=cpc&source=go&gclsrc=aw.ds&gad_source=1&gad_campaignid=12793835232&gbraid=0AAAAADx8NHT5CPNJT1CL00H6Qx0KJmtTA&gclid=Cj0KCQjwh-HPBhCIARIsAC0p3cdqLfXvfpvteII2AjwkKz4P1FHhdEHLTUSqUx7Ys8Cu7PmqZZ8Z-ScaAt3vEALw_wcB

05/04/2026

Thank you to everyone who joined us for the shred event!

It was great seeing so many familiar faces, including a quick visit from my sister.

05/01/2026

Got old paperwork piling up?

Tomorrow is the perfect day to clear it out.

Stop by our Glastonbury office anytime between 9 AM and 1 PM for our Shred Event.

04/30/2026

The early retirement dream comes with big decisions like health coverage, withdrawals, and timing. This guide walks through what to weigh before you leap.

https://www.morningstar.com/retirement/4-key-decisions-early-retirement

‘Will your money last?’ isn’t the only question to consider before retiring.

04/28/2026

How retirement timelines often shift and why many people adjust expectations as they approach retirement.

To help you figure out the right age for you, it's imoprtant to ask yourself questions regarding everything from money to emotions and helps you prepare for the next chapter of your life, whether you're 55 or 70.

Some things to ask yourself:

1. Will you work part-time or retire completely?
2. What income sources will you use to avoid penalties for withdrawing from retirement accounts early?
3. Are your savings fine-tuned for a long retirement?
4. Do you know how you’ll cover healthcare costs?
5. What will you do once you retire?

04/25/2026

The Gateway Shred Event is 7 days away!

Join us on Saturday, May 2nd at 455 Winding Brook Drive, Glastonbury, CT 06033 from 9 AM - 1 PM!

This is a great opportunity to safely dispose of your old documents/electronics and protect your personal information.