The Lively HSA

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pugchief
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Re: The Lively HSA

Post by pugchief » Thu Dec 20, 2018 7:26 pm

Xan wrote:
Thu Dec 20, 2018 11:44 am
Not at all scolding here, but it's worth noticing that the Lively exit fee kept many of you with them long enough for them to respond. In retrospect, you may be glad that fee exists, and also by staying you're rewarding them from having the fee, even if you wish they didn't.
I still think Fido is better than TDA, but the laziness factor will, like Foglifter, cause me to just leave my account at Lively.
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sophie
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Re: The Lively HSA

Post by sophie » Fri Dec 21, 2018 7:27 am

Smart move, Lively.

Unfortunately this doesn't remove all the fees. TDA is lacking in commission free funds, so you either pay higher expense ratios or commission fees to buy/sell. Fidelity wins on that.
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Re: The Lively HSA

Post by ochotona » Mon Dec 31, 2018 11:25 am

I'm finding I really like Securities Alerts feature in TD, it's better than Schwab, way better than Fidelity. I'd miss it if I left Lively.
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Re: The Lively HSA

Post by pugchief » Mon Dec 31, 2018 2:07 pm

ochotona wrote:
Mon Dec 31, 2018 11:25 am
I'm finding I really like Securities Alerts feature in TD, it's better than Schwab, way better than Fidelity. I'd miss it if I left Lively.
You could always open a small taxable account to keep the alerts flowing.
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Re: The Lively HSA

Post by ochotona » Mon Dec 31, 2018 2:47 pm

pugchief wrote:
Mon Dec 31, 2018 2:07 pm
ochotona wrote:
Mon Dec 31, 2018 11:25 am
I'm finding I really like Securities Alerts feature in TD, it's better than Schwab, way better than Fidelity. I'd miss it if I left Lively.
You could always open a small taxable account to keep the alerts flowing.
Ha ha ha like with $10 in it!
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Kriegsspiel
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Re: The Lively HSA

Post by Kriegsspiel » Fri Sep 06, 2019 7:48 am

It looks like the Fidelity HSA is the best one right now, with no account fees and no commission fees. Well, none for the ETFs I am looking at. Any disagreement?
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ochotona
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Re: The Lively HSA

Post by ochotona » Fri Sep 06, 2019 10:44 am

Kriegsspiel wrote:
Fri Sep 06, 2019 7:48 am
It looks like the Fidelity HSA is the best one right now, with no account fees and no commission fees. Well, none for the ETFs I am looking at. Any disagreement?
You've got it right. As much as I like Lively's customer service, the TDA stable of ETFs is definitely second-tier, and I wonder if they manage to survive.
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Re: The Lively HSA

Post by Kriegsspiel » Fri Sep 06, 2019 10:58 am

Actually, I still have mine at HSA Bank. I'm leery of hopping from one HSA to another because of the costs associated with it (the account closing fee at HSA Bank is $25), but I figure that Fidelity's should be around for the long haul. I can only hope they don't change their fee structure and make me want to hop again, ad nauseum.
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Re: The Lively HSA

Post by ochotona » Fri Sep 06, 2019 12:34 pm

Heaven just played a trick on me, my BP pension is leaving Fidelity! Well, still have other accounts there.
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Re: The Lively HSA

Post by ochotona » Mon Sep 23, 2019 7:45 pm

pugchief wrote:
Mon Dec 31, 2018 2:07 pm
ochotona wrote:
Mon Dec 31, 2018 11:25 am
I'm finding I really like Securities Alerts feature in TD, it's better than Schwab, way better than Fidelity. I'd miss it if I left Lively.
You could always open a small taxable account to keep the alerts flowing.
I have a $100 cashless taxable HBPP at TD Ameritrade now, LOL.

Sophie, it looks like it will be about a month end-to-end, cash transfer. There's a way to cut a couple of days off of the wait that isn't advertised:

- Scan Fidelity's HSA transfer form, and attach it to a Secure Message. I was told they can handle it from there. No need to mail the form to Cincinnati, or travel to a Fidelity storefront

- Lively won't let you tick the "transfer all" box on the Fidelity form yet leave the account open. To them "transfer all" means close the account. They were going to close everything and cause TD Ameritrade trading fees to be levied, because I had some ETF shares that hadn't been help 30 days. At least they had the sense to contact me, and I changed the transfer to a partial amount, and TD is open for now.

It's just as well. The Fidelity ETFs are better, no gotcha fee if you trade within 30 days, and no schelpping cash between front-of-house and back-of-house. I'll be glad when Fidelity has the money. They I will rebuy my gold shares possibly at a lower price. Here's hoping.
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Re: The Lively HSA

Post by sophie » Tue Sep 24, 2019 12:13 pm

I can only hope it goes more smoothly for you than it did for me.

Be warned that Lively will block the transfer multiple times asking via Fidelity for a phone call from you to "confirm", because apparently they don't think the printed, signed form is sufficient. I think I went for about 3 rounds of that on top of a whole separate set of issues with TDA. HSAs for investment purposes have been well proven as far as setting up and maintaining accounts, but not so much when it comes to actually getting your money out again! Slight problem there!
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Re: The Lively HSA

Post by ochotona » Wed Oct 09, 2019 5:56 am

Lively to Fidelity transfer done. Moving cash only took a month.
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