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Welcome to the Puget Sound Chapter of the
American Association of Individual Investors

We are a grassroots, nonprofit organization with a mission to provide honest, unbiased investment information to individual investors in the Puget Sound area.

We are managed by a board of directors that is entirely made up of volunteers. We sponsor an educational seminar in every odd-numbered month. Members, their guests and non-members attend our seminars.

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Our next seminar:

Tax-efficient Order to Invest and Pay Down Debts to Maximize Wealth at Retirement

Greg Geisler, PhD
March 20, 2024 from 7:00 pm to 8:30 pm

Financial planning articles tell the reader to do everything they recommend as far as investing and paying down debts. However, most people run out of money each month before they can do everything recommended. Using an article in the Journal of Financial Planning that won the Montgomery-Warschauer Award (best article (out of all articles in the monthly Journal that year) contributing to financial planning in 2017), Professor Geisler will explain the tax-efficient rank-ordering for investing and paying down debts that will make any individual as wealthy as possible at retirement given the amount they don’t spend (i.e., have available to invest or pay down debts) each month. Embedded in the presentation is the answer to the following question: Are Health Savings Accounts (HSAs) better than an employer-matched 401(k)? Professor Geisler will prove, surprisingly, that for some employees with a 50% 401(k) match, they would be slightly wealthier if they contributed to a Health Savings Account (HSA) before getting the maximum employer 401(k) match! He will also explain why employees with high deductible health insurance who can contribute to a Health Savings Account should do both as the first step in the rank ordering–contribute the maximum to their HSA and contribute enough to a 401(k) to get the maximum employer match.

The presentation will cover several topics including:
    • Gain the ability to rank order based on after-tax expected return comparing contributions to Health Savings Accounts, Roth and traditional retirement accounts as well as paying down debts.
    • Determine whether an employee’s Health Savings Account contribution increases wealth more than an employer’s 401(k) matching contribution.
    • Learn the Six Steps to follow each year, each one to the extent your unspent cash allows, that maximizes wealth.

ABOUT THE PRESENTER

Greg Geisler, who received his PhD from University of North Carolina-Chapel Hill, is a Clinical Professor of Accounting at Indiana University-Bloomington. He teaches a course on “Taxes and Financial Planning” to students studying to be Certified Financial Planners. His research interest is how taxes impact financial planning. In the last 11 years, he has published 6 articles in the Journal of Financial Service Professionals and 8 articles in the Journal of Financial Planning, including one that received the 2017 “Montgomery-Warschauer Award” for most outstanding article contributing to the betterment of the Certified Financial Planning profession and a different one that received that same award in 2022. At his previous institution, he received the 2017 Chancellor’s Teaching Excellence Award. He has been invited to present at many FPA chapter meetings and 3 FPA annual meetings. He has been quoted in the Wall Street Journal and many times in the financial press and on newscasts. He can be reached at geisler@iu.edu or at 812-855-3834. He will stick around for 1/2 hour after his presentation to answer specific questions you might have.

Meeting Location:

This will be an online meeting. Register at https://aaiips.eventbrite.com to receive the meeting link. Please enter a donation — as much as you can — The more you contribute, the better the speakers we can bring you.

If you choose not to donate to this online event and wish to have a link emailed to you instead, please send an email to webmaster@aaiips.org
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Registration:

Please preregister 48 hours before the event to give us an estimated headcount.

We are no longer doing mail registrations. You can register at the door for in-person events.

6:45 p.m. — Link Open
7:00 p.m. — Presentation begins
8:30 p.m. — Adjournment

Open to the public. AAII membership is not required to attend.

Payment

Please send a contribution of ANY AMOUNT. The more you contribute, the better speakers we can bring you. Contact us at least 24 hours prior to the seminar for a full refund.


Disclaimer

The opinions of speakers are their own and not necessarily those of AAII. It is not the policy of AAII or its local chapters, officers, or directors to promote any specific investments or techniques of analysis. Presentations are provided solely for informational purposes and should not be construed as solicitations. There are no representations or warranties of any kind, expressed or implied, about the completeness, accuracy, reliability, or suitability of meeting information. Investment information presented may not be appropriate for all investors and should be independently verified.


Special Interest Group:

Our AAII Special Interest Group (SIG) is a small gathering sponsored by our Local Chapter where members meet for general discussion or to explore a specific investment topic of interest to the group. 

Eastside SIG

Chair: Mary Chandler
eastsidesig@aaiips.org

This discussion group meets online at 7 p.m. on the second Tuesday of each month (except in July and August). To receive a notice prior to each meeting, go to https://groups.google.com/g/aaiieastsidesig

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