Q: I have no debt and a high-deductible health insurance plan through my employer. Should I fund a Health Savings Account?  –  W.W., Orlando

A: Yes! HSAs are an excellent investment vehicle that allow for tax-free growth providing your withdrawals are used for qualifying medical expenses. Plus, your contributions are deducted against federal income taxes. They are available at most financial institutions, including banks. Some employers offer them as well.  – John M. West III

Q: As the market goes down, should I make any changes to have fewer investments in stocks? – S.A., Longwood

A: Over time, rebalancing your portfolio to move back to your risk target is a great strategy, as it will typically mean you are buying into the market as it declines. Make sure that you review your financial plan so your goals match your investment risk. – Colby Winslow

EDITOR’S NOTE: This is the final installment of the Ask an Expert financial advice column. Coming next week: The Savings Game by Elliot Raphaelson, a columnist with decades of experience as an adviser, teacher and author in personal finance.