MARIA REGECI

MLR Financial Founder and Agent

Maria Regeci began her career in the financial services industry in 2003 working as a Life and Health Insurance Agent.  She holds licenses in life, health, and variable annuities as well as holding several key series licenses that make her a valuable resource in advising on mutual funds, investment trusts, stocks, and fixed investment incomes.

As a firm believer in education and having a career devoted to helping educators understand and work with the Florida DROP system, Maria understands the unique challenges those in the educational field face as they prepare for retirement.  She has extensive experience working with the Bencor program and prides herself on helping clients construct customized strategies designed to provide peace of mind as they enter the next stage in life.

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We’re here to help answer your questions. Financial, insurance, and tax matters can be complicated, our experts are on hand to help inform you of every aspect regarding your accounts. We take great pride in using our expertise for you and look forward to hearing from you.

    MLR Financial Company will help you understand your employer benefits. This is our specialty! We assist with your HDHP, FSA 1, FSA 2, and HSA plans.

    High Deductible Health Plan (HDHP) is a plan with a higher deductible than a traditional insurance plan. While the monthly payment is lower, you pay more in healthcare costs before your insurance company starts to pay their share. This plan can be combined with a health savings account (HSA), allowing you to pay for some medical expenses with tax-free money. For more information about this plan, contact us.

    Another option you can choose through your job is a Flexible Spending Account (FAS 1 or FAS 2) to pay for your co-payments, deductibles, drugs, and some other costs. Using this method can reduce your taxes. A FSA account is a special account you put money into to use to pay any out of pocket healthcare costs. You do not have to pay taxes on this money. You will also actually save money equal to the taxes would have set aside. Your employer may make contributions to your FSA, but they are definitely not required to.

    Here’s a few facts about FSAs:

    1. They are limited to $2,650 per year, per employer.
    2. You can use FSA to pay down deductibles and co-payments
    3. You can spend FSA funds on prescription medications.
    4. You can also cover medical equipment, bandages, and more.

    They recommend to use you FSA within the plan year. You can also receive up to 2 extra months of grace period. This can allow you to carry up to $500/per year to use the following year.

    There is always a Health Savings Account (HSA) which allows to you to set aside money on a pre-tax basis to pay for qualified medical expenses. Sometimes this method can help you lower your overall healthcare costs. These funds cannot be used to pay premiums. Of course, you can only contribute to an HSA if you have a High Deductible Health Plan (HDHP). An HSA may also earn interest, which is also not taxable.