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Todd BerkleyTodd Berkley is a nationally recognized expert on Health Savings Accounts (HSA) and consumer-directed health care issues. As President of HSA Consulting Services, LLC, he continues to be an advocate for consumerism in health care and is a frequent speaker at conferences and seminars around the country. He consults with many new and leading players in the CDH industry, runs AskMrHSA.com, a leading HSA educational site, and recently published “The HSA Owner’s Manual.”