PilotHSA, LLC, based in Alpharetta, Georgia, provides an HSA platform and administrative services that empower financial institutions, TPAs, private exchanges and benefit platforms to deliver a superior HSA experience for their clients.

Our company was founded immediately after the introduction of legislation in 2004 that created the HSA market. We believe in the power of consumer-driven health care. We saw a need to connect the various stakeholders who are a part of the HSA ecosystem.

Our guiding principles were to build a platform free of the biases and encumbrances of any one custodian, TPA, or broker. We focus solely on HSAs to bring together best in class partners to do what they do best.

Our goal is to allow our customers choice within our common platform. We can configure a best of breed solution with our partners. We leverage the strengths of our partners by allowing banks and credit unions to be custodians, investment firms to provide investments, and TPAs to provide services.

In essence, we provide the platform that allows all of our partners to deliver the HSA solution that their customers demand.

Our employer and account holder end users can rest assured that our solutions are designed to serve their needs. So whether our end users want to save, spend, manage and/or invest their HSA dollars, or just need information and advice, our solution is there for them.

Our Team
Scott Harward
Managing Partner

Scott brings over 35 years of leadership experience in the software, consulting, and services arenas. He has held executive positions with firms such as Dun & Bradstreet, Control Data, Brock Control Systems, and Firstlogic. He enjoyed building businesses in new, fast growing markets such as CRM and Data Quality in the 1990’s. He sees parallels in the HSA market growth and strongly believes in the power of consumerism in the healthcare space.

Scott holds a business degree from Duke University and an MBA from Stetson University. He currently sits on the Boy Scouts Atlanta Area Council Board of Directors and is the lead volunteer for the Foothills District of nearly 4,000 scouts.

Mark D. Kutter
Founding Partner

Marc was a founding partner of PilotHSA and a vocal advocate for HSAs since their inception.  Marc has led companies in the employee benefits, healthcare services and financial services markets. In addition to his business experience, Marc served as an Infantry officer in the US Army, and is a graduate of the US Military Academy at West Point, NY.   


Marc provides business development and strategy development for PilotHSA.

Shawna Mott
Director of Client Services

Shawna has led the PilotHSA client services team since our founding. She has over 25 years in the benefits industry with a background in program administration, client support, training and compliance. She is recognized for her expertise in retirement plans and health savings accounts.

Shawna holds a degree from Drake University.  She works closely with our clients and partners to ensure that our solutions are tailored to meet their unique needs.

Les Charles
Chief Technology Officer

Les joined the team in 2015 and provides our technology leadership. He has developed large, complex systems, created award winning mobile apps, and is a leading authority in logistics systems. He is a retired US Navy lieutenant commander and served in the US Naval Intelligence Reserve.


As CTO, Les is responsible for the vision and implementation of our platform.

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