Obviously, each bears certain risks, and usually the agent would advise on these topics in the beginning.

You can see plenty of examples in these threads, where every contribution revolves around this same promotional angle:https://www.biggerpockets.com/forums/927/topics/1195612-the-...https://www.biggerpockets.com/forums/311/topics/1136123-what...https://www.biggerpockets.com/forums/48/topics/1103837-which...https://www.biggerpockets.com/forums/62/topics/1156841-scam-...https://www.biggerpockets.com/forums/44/topics/1159791-what-...https://www.biggerpockets.com/forums/79/topics/1121289-has-a...https://www.biggerpockets.com/forums/44/topics/1159791-what-...https://www.biggerpockets.com/forums/79/topics/32290-jack-bo...https://www.biggerpockets.com/forums/12/topics/938096-land-f...Given this pattern and the sophisticated marketing approach, I wouldn’t be surprised if "William Ferr" might actually be Jonathan Halves himself, or someone closely tied to his business.

Here is my post from back in oct: https://www.biggerpockets.com/forums/49/topics/1210614-the-f...

It’s common that this topic is misrepresented.

The last post on this topic I see is from about seven years ago... so figured I would start fresh. 

I haven't seen a lot of discussion about this topic which surprises me since I feel like personal finance people talk about HSAs all the time! 

Again, the BiggerPockets store has some books on this topic, or you can learn about it by watching podcasts, reading blogs, and interacting on the forum.

https://www.biggerpockets.com/forums/51/topics/1113749-cost-segregation-faq

In most cases, neither is warranted.Warning: I am not an attorney, and this can be a complicated topic.

The answer to help you determine this is here https://www.biggerpockets.com/forums/51/topics/1164415-ne-re... ...