Vanguard Research put out a paper called "The Emotional and Time Value of Advice" (June 2025).

It claims that there are "emotional benefits and time-saving value that paid professional financial advice provides to clients."

In other words: The benefit isn't the portfolio or financial advice, but the emotional and time-saving value getting paid professional advice can provide.

Then for our listener question: Gary wants to know how his Health Savings Account (HSA) interacts with Medicare. Can you pay Medicare premiums from an HSA at a later date like you can with qualified medical expenses paid out of pocket? Great question!

Resource: Vanguard Study: "The Emotional and Time Value of Advice" paper

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