Annex Wealth Management’s Sarah Kyle and Randy Winkler, CFP® answer several Ask Annex questions:"New to social security. Is there always a COLA, and what is it pegged to?" – Anonymous“Retiring next year at 64. House needs projects, roof, deck. How do I plan for those expenses in retirement? Not worried about retirement cash flow.” – Tim“What's your opinion of using a HELOC since rates are rising? Explain HELOC.” – Eddie“Can you explain the Wash Rule?” – James“I don't have access to an HSA. Is there an alternative?” – Chet