Our daily roundup of retirement news your clients may be thinking about.

How a high-deductible health plan can boost your retirement savings

Workers with high-deductible health insurance plans qualify for health savings accounts, which can provide them an opportunity to do tax-free investing and supplement their coverage even after they are retired. HSAs may grow at a faster rate than medical costs, allowing contributors to have some funds for unexpected health expenses in retirement. With an HSA, retirement savers can reduce their tax burden and build a nest egg within their risk tolerance and investment guidelines, allowing them to develop withdrawal strategies and flexibility they may not enjoy in one defined contribution plan. –MarketWatch

Here's how retirement saving changed in 2015

The offering of the MyRA account for workers with no access to retirement plans is among the major events that have changed retirement saving this year. Also, another notable change for retirement savers in 2015 is the increase in retirement savings contribution limits, including the catch-up contributions. Income thresholds to qualify for retirement account types and tax breaks have also been raised this year, while a new rule limits IRA rollovers to one per year. The current year also saw an increase in the amount of income subject to Social Security tax to $118,500 from $117,000 in 2014. –The Motley Fool

Social Security Q&A: How sure are we of the file and suspend deadline?

Couples may still use the file-and-suspend strategy when claiming Social Security retirement benefits even if they will turn 66 within four months after the April 29, 2016 deadline, according to Avram Sacks, an attorney and Social Security expert. While a Social Security representative may deny the request to file for and suspend benefits because of the Program Operations Manual System, "the U. S. Supreme Court has held that the POMS has 'no legal force' and 'does not bind the SSA,'” Sacks says. "The POMS is entitled to deference only to the extent that it does not contradict a law or regulation." –Forbes

Set up a solo 401(k) with low fees

For self-employed individuals, a solo 401(k) plan is a better retirement saving option than a Simplified Employee Pension since a solo 401(k) plan allows higher contributions. Clients may transfer their solo 401(k) account to another administrator if it has high fees or offers limited investment options. "For a lot of small-business owners who are looking for ways to maximize their retirement savings, this is a great way to accelerate their savings," says Fidelity's Brian Hogan. –Kiplinger

Don't let these unexpected costs derail your retirement: Plan ahead instead

People need to develop a retirement plan that accounts for unexpected costs, such as medical expenses, children and grandchildren's college tuition, irregular expenses and taxes. Clients also need to understand that expenses are likely to decline in retirement, based on a Morningstar research. “It’s important to consider the likely trend of spending throughout retirement and not just the cost of the first few years,” a financial planner says. –USA Today

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