Investment Basics

Tuesday, July 19 noon
Office of Human Resources
1590 N. High Street Suite 430, Room 425
Presentor:  Todd Gourno, Senior Partner, Prospera Financial Group
Learn how to evaluate potential investments for your portfolio. Understand asset allocation, various risk factors, mutual funds, ETF’s, stocks and bonds.

Home Buying Prep Seminar

Tuesday, August 16 noon
Office of Human Resources
1590 N. High Street Suite 430, Room 425
Presentor:  Brian Connor, Mortgage Loan Officer, Huntington National Bank
What should you do when preparing to buy a home? Whether it’s your first home or your last, Brian will cover topics to be familiar with as you take that step toward home ownership. Topics include pre-qualifying for financing, home searching resources, preparation and moving, and the overall emotional and financial investment of buying a home.

Retirement Basics

Tuesday, September 20 noon
Office of Human Resources
1590 N. High Street Suite 430, Room 425
Presentor:  Todd Gourno, Senior Partner, Prospera Financial Group
Crunch the numbers and learn how to use tax-advantage investments to save for retirement. Learn the pros and cons of annuities and what risk you could face in retirement regarding your money and investments.

Seven Secrets of Financial Success

Tuesday, October 18 noon
Office of Human Resources
1590 N. High Street Suite 430, Room 425
Presentor:  Robert Reed PHD, Reed Financial Planning
Ever hear of the 20/80 rule: twenty percent of the effort produces eighty percent of the result? This presentation gives you the critical information you need to coordinate your life with your money. These rules address immediate issues, such as paying off credit cards and building an emergency fund, and long-term needs such as saving for college and retirement. Following these simple seven rules will get you 80% of the way toward achieving your financial goals.

Plan for the Future. How an Estate Plan Puts You in Control

Tuesday, November 15 noon
Office of Human Resources
1590 N. High Street Suite 430, Room 425
Presentor:  Stephen Daley, Financial Advisor, Ameriprise Financial Services, Inc
During the program, you’ll learn about ways to: Care for the people you love, even after you’re gone. Leave behind a lasting, meaningful legacy. Manage estate tax burden—for you and your heirs. This seminar will help you learn about some of the basics of estate planning, identify some common uses of trusts and popular charitable giving strategies.

Long Term Care Insurance

Thursday, February 17 noon
Office of Human Resources
1590 N. High Street Suite 430, Room 425
Presentor:  Brad Winnekins, President of Legacy Services Inc
This seminar covers important issues consumers need to understand before buying Long Term Care Insurance (LTCi).  Topics include: How to determine if LTCi is right for you; Learn what LTCi pays for; Understand the approximate cost of LTCi; Criteria for choosing a carrier; Understanding inflation protection options; How to decide on coverage levels; and the new Ohio Partnership Program LTCi.

Financial Planning Basics

Thursday, March 10 noon
Office of Human Resources
1590 N. High Street Suite 430, Room 425
Presentor:  Todd Gourno, Senior Partner of Prospera Financial Group
This program will discuss the top 10 areas of Financial Planning. Investments, Budgeting, Savings, Taxes, and Insurance to name a few.

Budgets Don't Work - Now What?

Tuesday, April 19 noon
Office of Human Resources
1590 N. High Street Suite 430, Room 425
Presentor:  Robert Reed, PHD, CFP, Reed Financial Planning
We fail at budgets as often as we fail at diets. There are simple rules, however, that help you a create spending plan that actually works. These days, all of us need to spend our money more effectively. This presentation shows you how.

Retirement Income Planning

Tuesday, May 17 noon
Office of Human Resources
1590 N. High Street Suite 430, Room 425
Presentor:  Todd Gourno, Senior Partner of Prospera Financial Group
This seminar shows strategies for maximizing OPERS/STRS pensions. Social Security, Long-Term Care, Investment Risk and how to develop a retirement income plan.

Lessons Learned: Actions You Can Take After The Great Recession

Tuesday, June 21 noon
Office of Human Resources
1590 N. High Street Suite 430, Room 425
Presentor:  Stephen Daley, Financial Advisor with Ameriprise Financial Services
This presentation show ways to find financial opportunities in today’s economy. This seminar will give a brief overview on how we got here and where we are headed; find investment opportunities in today’s markets; keep emotions from affecting your financial decisions and get back on track toward reaching your financial goals.

Tax Planning

Tuesday, February 11 noon
Office of Human Resources
1590 N. High Street Suite 430, Room 425
Presentor:  Jason Black of New York Life
Office of Human Resources
1590 N. High Street Suite 430, Room 425
Presenter: Todd Gourno, Senior Partner of Prospera Financial Group
Learn ways to reduce your taxes.  Learn more about the tax implications of your retirement plans and various investment accounts. Various tax credits and tax deductions will be shared.

Long Term Care Insurance

Tuesday, March 16 noon
Office of Human Resources
1590 N. High Street Suite 430, Room 425
Presentor:  Brad Winnekins, President of Legacy Services Inc
This seminar covers important issues consumers need to understand before buying Long Term Care Insurance (LTCi).  Topics include: How to determine if LTCi is right for you; Learn what LTCi pays for; Understand the approximate cost of LTCi; Criteria for choosing a carrier; Understanding inflation protection options; How to decide on coverage levels; and the new Ohio Partnership Program LTCi.

Retirement Income Planning

Thursday, April 15 11 noon
Office of Human Resources
1590 N. High Street Suite 430, Room 425
Presentor:  Todd Gourno, Senior Partner of Prospera Financial Group
When thinking about retirement, you need to consider all income sources:   public pension; social security; and investments. Developing an income stream and protecting your assets will be covered in this session.

How to Invest Like an Institution

Tuesday, May 11 noon
Office of Human Resources
1590 N. High Street Suite 430, Room 425
Presentor:  Stephen Daley, Financial Planner with Ameriprise Financial Services and Christopher Milliken, DWS Investments
We invite you to Challenge the Limits of Conventional Thinking! Today's financial environment may require a new way of thinking about investing. Learn more about strategies traditionally used by institutional investors and how they are becoming available to individual investors. Issues addressed include:

• new market realities
• the difference between what many investors think they have in their portfolios versus what many investors actually have in their portfolios!
• Should Commodities, TIPS, Real Estate, Alternative Energy, Gold, etc. become part of an individual investor's portfolio?
• What are Alternative Investments?

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Women’s Financial Independence and Security Seminar

Tuesday, June 15 noon
Office of Human Resources
1590 N. High Street Suite 430, Room 425
Presentor:  Rose Burns, Financial Services Representative of MetLife
The Financial Independence and Security seminar was developed specifically for women who may be concerned about obtaining and maintaining their financial independence and security.  It educates women on their current financial state and identifies some of the important issues they are most concerned about—guarding against risk and preserving their assets. The seminar addresses issues for all women—single, divorced, married or widowed—at various stages of their lives.

Your Financial Road Map to Retirement: Making Smart Choices

Tuesday, August 4 – noon
Office of Human Resources
1590 N. High Street Suite 430, Room 425
Presentor:  Jason Black of New York Life
What financial model or guide do you use when making financial decisions?  If you don’t have one, attend this seminar to get a logical, concise “gameboard” for coordinating all of your important financial decisions.  Your gameboard can help you plan your pension, 403 (b), life insurance and investments.

College Choice and College Savings

Tuesday, September 1 – noon
Office of Human Resources
1590 N. High Street Suite 430, Room 425
Presentor:  Robert Reed, PHD, CFP, Reed Financial Planning
Selecting the right kind of school for your children is just as important as funding their education. Drawing on his experience as a student, a professor, and a personal finance professional, Reed identifies the four different types of colleges and discuss what each offers and demands of students. He will also reveal many tax-efficient ways to save for higher education.

Women’s Financial Independence and Security Seminar

Tuesday, October 6 – noon
Office of Human Resources
1590 N. High Street Suite 430, Room 425
Presentor:  Rose Burns, Financial Services Representative of MetLife
The Financial Independence and Security seminar was developed specifically for women who may be concerned about obtaining and maintaining their financial independence and security.  It educates women on their current financial state and identifies some of the important issues they are most concerned about – guarding against risk and preserving their assets.  The seminar addresses issues for all women; single, divorced, married or widowed, at various stages of their lives.

Homebuying Prep Seminar

Tuesday, November 3 – noon
Office of Human Resources
1590 N. High Street Suite 430, Room 425
Presentor:  Brian Connor, Mortgage Loan Officer, Huntington National Bank
What should you do when preparing to buy a home?  Whether it’s your first home or your last, Connor will cover topics to be familiar with as you take that step toward home ownership.  Topics include pre-qualifying for financing, home searching resources, preparation and moving and the overall emotional and financial investment of buying a home.

Estate Planning

Tuesday, December 1 – noon
Office of Human Resources
1590 N. High Street Suite 430, Room 425
Presentor:  Todd Gourno, CRC, CFP, Senior Partner of Prospera Financial Group
Learn how to protect yourself and your family during unexpected life events.  This session will help you determine your need for a will or trust, discuss estate taxation, lifetime gifting, life insurance legacy planning and planning for incapacity issues.

Is Your Investment Portfolio Ok?

Tuesday, June 23 – noon
Office of Human Resources
1590 N. High Street Suite 430, Room 425
Presenter: Carol Friedhoff, MS, CFP, Savvy Outcomes, Inc.
When it comes to investing do you feel you are in control? This session will provide information that will help you recognize how to manage your portfolio no matter what happens. Gain an understanding of the difference between the various types of investments or assets. Next, evaluate your risk exposure, risk tolerance and time horizon. Discover the steps that can lead you to financial independence.

Mortgage Refinancing

Tuesday, May 5 – noon
Office of Human Resources
1590 N. High Street Suite 430, Room 425
Presenter: Brian Connor, Mortgage Loan Officer, Huntington Bank
In this ever-changing world of home mortgage refinancing, Connor will discuss various topics such as: What does refinancing mean? When, or under what circumstances , is it worth considering? What should you expect when you apply? What should you expect when you close?

Retirement Income Planning

Tuesday, March 24 – noon
Office of Human Resources
1590 N. High Street Suite 430, Room 425
Presenter: Todd Gourno, CRC, CFP, Senior Partner at Prospera Financial Group
Todd will give an overview of Retirement Income Planning including a Retirement Planning Roadmap; Crunching the Numbers; Public Pension Consideration; Tax—Advantaged Savings Vehicles and Protecting Against Risk.

Current Events In the Money World

Tuesday, February 10 – noon
Office of Human Resources
1590 N. High Street Suite 430, Room 425
Presenter: Todd Gourno, CRC, CFP, Senior Partner at Prospera Financial Group
Todd will give an overview of the various events from 2008 including a recap of the 2008 downturn; contributing factors; the financial bailout; 2009 outlook and interest rates.

Long Term Care Insurance

Tuesday, December 16
Office of Human Resources
1590 N. High Street Suite 430
Presented by: Brad Winnekins, President, Legacy Services Inc
This seminar covers important issues consumers need to understand before buying Long Term Care Insurance (LTCi). Topics discussed include: How to determine if LTCi is right for you; Learn what LTCi pays for; Understand the approximate cost of LTCi; Criteria for choosing a carrier; Understanding inflation protections options; How to decide on coverage levels and the new Ohio Partnership Program LTCi.

Fundamentals of Banking

Tuesday, November 18
Office of Human Resources
1590 N. High Street Suite 430
Presented by: Maria Avradopoulos, Banking Office Manager/Officer, Huntington Bank

This presentation is designed to give an overview of the products and services offered by banks to meet the needs of consumers and small businesses. Gaining knowledge in the range of products offered by banks will enable one to make the right decisions when a bank representative suggests a certain product. The bank product information contained in this course is presented in broad strokes and describes the products from the perspective of clients and their needs.

Your Financial Roadmap to Retirement: Making Smart Choices

Tuesday, October 21
Office of Human Resources
1590 N. High Street Suite 430
Presented by Thomas A Vetrick, Partner, New York Life Insurance Company

What financial model or guide do you use when making financial decisions? Don’t have one? Then come to this seminar that will give you a logical, concise “Gameboard” to help you coordinate all of your important financial decisions, like what to do about your pension, 403(b), life insurance, and investments.

Mistakes Retirees Make With Their Money

Tuesday, September 16
Office of Human Resources
1590 N. High Street Suite 430
Presented by: Robert Reed, PHD, CFP, Reed Financial Planning

Reed will cover common mistakes retirees and near-retirees make with their money. These mistakes include: Not knowing where you are financially as you near retirement (How can you know you have reached your goal if you don’t know where you are?); Not knowing your financial advisor’s “game” (Are you getting personal advice or just a sales pitch?) and Not knowing how to adapt to changing market conditions (What should I do with the market rises and falls?).

10 Ways to Help Fund Children’s Education

Tuesday, August 19
Office of Human Resources
1590 N. High Street Suite 430
Presented by: Shane Swanson, Managing Partner, New York Life Insurance Company

Concerned about the rising cost of college? Are you doing everything you can to save the appropriate amount? Are you confused at the different options available? Come to this seminar and learn the 10 different ways to help fund your children’s college education.

Home Buying Prep Seminar

Tuesday, July 22
Office of Human Resources
1590 N. High Street Suite 430
Presented by: Brian Connor, Mortgage Loan Office, Huntington Bank

What you do when preparing to buy a home. Whether your first home or your last, Connor will cover topics you should be familiar with as you take that step towards home ownership. Topics will include pre-qualifying for financing, home searching resources, preparation and moving, and the overall emotional and financial investment of buying a home.

Managing Credit and Debt Wisely

Tuesday, June 24, 2008 – noon
Office of Human Resources
1590 N. High Street Suite 430
Presented by Richard Call, Consumer Credit Counseling

Call will be discussing various topics including: Why credit is an important tool for reaching financial goals? How has credit and debt changed over the last 40 years? How to manage debt in order to build your credit rating? Too much debt can affect your ability to increase your net worth? Various loan products and how they differ in interest rates? How to create a “PowerPay Plan” for paying down debt.

Your Money Personality

Tuesday, May 20, 2008 – noon
Office of Human Resources
1590 N. High Street Suite 430
Presented by Robert Reed, PhD, CFP

Are you a saver or a spender? What motivates your financial decisions? This presentation offers participants a simple system to identify their unexamined attitudes toward money, which is an essential first step in creating a realistic financial plan.

Mortgage Refinancing

Tuesday, April 1, 2008 – noon
Office of Human Resources
1590 N. High Street Suite 430
Presented by Brian Connor, Mortgage Loan Officer, Huntington Bank

In this ever-changing world of home mortgage refinancing, Connor will discuss various topics such as: What does refinancing mean? When, or under what circumstances, is it worth considering? What should you expect when you apply? What should you expect when you close?

Tax Tips

Tuesday, February 5, 2008 – noon
Office of Human Resources
1590 N. High Street Suite 430
Presented by Robert Reed, PhD, CFP

Simple tax planning techniques let you keep more money and lower taxes. Learn how to set up ‘dual-purpose’ accounts that give you tax-free money to pay for college or provide a cushion for retirement. Did you know that in 2008, 2009, and 2010 people in the 10% and 15% tax brackets will pay no capital gains tax? Robert Reed, member of the National Association of Tax Professionals will explain these and other ways to improve your tax situation.

Controlling Your Money

Tuesday, December 4, 2007 – 12:00 p.m.
Office of Human Resources
1590 N. High Street Suite 430
Presented by Robert Reed PH.D., CFP

In this session, Professor Reed will offer you seven simple rules for creating a plan to meet your immediate and long-term financial needs such as paying off credit cards, building an emergency fund, setting goals and saving efficiently.  Come to this session to learn how to get a handle on your finances and improve your financial picture for the upcoming year.

Credit Union of Ohio

streaming video of "Credit Union of Ohio"

Wednesday, September 19, 2007 – 12:00 p.m.
Office of Human Resources
1590 N. High Street Suite 430
Presented by the Credit Union of Ohio

Credit unions are very different from traditional banks.  The Credit Union of Ohio serves employees of the State of Ohio and is not-for-profit financial cooperative that is owned by the people who save and borrow there.  It operates solely for its members’ benefit.  The Credit Union of Ohio is a full-service financial institution that offers the following services: Savings, checking, loans credit cards, financial counseling and students services.  Come and learn how a membership in the Credit Union of Ohio might benefit you. 

The Facts and Myths of Filing for Bankruptcy

streaming video of "The Facts and Myths of Filing for Bankruptcy"

Thursday, August 9, 2007 – noon
Office of Human Resources
1590 N. High Street Suite 430
Presented by Creola Johnson, Professor, Moritz College of Law

Find yourself in a financial bind. Thinking that filing for bankruptcy will solve your problems and give you a fresh start.   This session will discuss the basics of the bankruptcy law and some other  common misconceptions about this topic.  Though, it can be difficult to take stock of your financial situation, this session will offer tips for getting your debt under control and making good decisions for the long term before taking this drastic step.

Note: Consult a licensed bankruptcy attorney if you need further advice.

How to Select a Financial Planner

streaming video of "How to Select a Financial Planner"

Wednesday, July 25, 2007 - noon
Office of Human Resources
1590 N. High Street Suite 430
Presented by Robert Reed PH.D., CFP

You may be considering help from a financial planner for a number of reasons, planning for retirement or your children’s education, investing or looking to minimize estate taxes, or just to have the peace of mind that you're on track to reach your financial goals.  This session will help you learn the right questions to ask to evaluate and determine if a financial planner is right for you.

Developing a Investment Strategy

Thursday, April 19, 2007 – noon
Office of Human Resources - Rm. 430
1590 N. High Street
Presented by TIAA-CREF

This course will educate you on the key issues to consider when developing an investment strategy. The presenter will review the basics on investing, determine how to allocate your dollars, discuss the volatility of investments, and learn how to manage a portfolio and select an investment company. You will also lean to compare performance with expenses and established when to rebalance your account.

Women and Financial Planning

Wednesday, March 21, 2007 – noon
Office of Human Resources - Rm. 430
1590 N. High Street
Presented by TIAA-CREF

This session targeted specifically for women who seek to understand finances and desire to learn how to reach their financial goals. The session will provide women education and guidance to help make the right investment choices.

Understanding Your Credit Report & Credit Scoring

streaming video of "Understanding Your Credit Report & Credit Scoring"

presentation from "Understanding Your Credit Report & Credit Scoring"

Wednesday, February 21, 2007 - noon
Office of Human Resources - Rm. 430
1590 N. High Street
Presented by Consumer Credit Counseling Service

Ever wonder how a creditor decides whether to grant you credit? Want to learn how to read, catch, and dispute inaccuracies on your credit report? For years creditors have been using credit reports and credit-scoring systems to determine if you’d be a good risk for credit cards or auto and mortgage loans. Come learn how to monitor your credit, how credit scoring works in helping decide who get credit and why, and what you can do to improve your score.

Financial Resolution for the New Year

streaming video of "Financial Resolution for the New Year"

Thursday, January 25, 2007 - noon
Office of Human Resources - Rm. 430
1590 N. High Street
Presented by Consumer Credit Counseling Service

Start the New Year off right by learning the basics of good financial management – setting goals, working out a realistic spending plan, and looking at your total financial picture. Learn how to determine where your money is spent and the steps tto take to stay within a budget. Control your debt and allocate your monetary resources so you can achieve your financial goals.

Consolidate Your Debt

streaming video of "Consolidate Your Debt" (Real Video)

Thursday, December 14, 2006 – noon
Office of Human Resources - Rm. 421
1590 N. High Street
Presented by Consumer Credit Counseling Service

Are you burdened with mounting debt? Are your credit card balances inching up due to minimum payments, late fees, and high finance charges? Are creditors constantly calling? Learn how the bill consolidation process can help you achieve affordable payments, control your debt, and win back peace of mind.

OPERS Health Care Preservation Plan (HCPP)

streaming video of "OPERS Health Care Preservation Plan (HCPP)" (Real Video)

Thursday, October 12, 2006 – Noon
Davis Heart and Lung Auditorium – Room 170
473 W. 12th Ave.
Presented by The Ohio Employees Retirement System (OPERS)

Effective January 1, 2007, The Ohio Employees Retirement System (OPERS) will restructure the way it funds health care benefits with the implementation of its Health Care Preservation Plan (HCPP). If you are planning to retire after December 31, 2006, come hear an OPERS representative present the key provisions of this new plan. Topics will include the three eligibility groups of retirees, cafeteria-style health plans, monthly subsidy allocations for retirees and dependents, phased-in premiums, retiree medical account, dual retiree households, and service credit.

Identity Theft

streaming video of "Identity Theft" (Real Video)

Tuesday, September 12, 2006 – Noon
Davis Heart and Lung Auditorium – Room 170
473 W. 12th Ave.
Presented by Consumer Credit Counseling Service

If you have a Social Security number, credit card, or a bank account then you could be a target for identity theft. Nearly 10 million American had their identities stolen last year. Find out how identity theft happens, how to avoid becoming a victim, and how to recover if your identity is stolen.

Financial Disaster Preparation

streaming video of "Financial Disaster Preparation" (Real Video)

Thursday, August 24, 2006 – Noon
Office of Human Resources - Rm. 421
1590 N. High Street
Presented by Chase at Work

This session will discuss the economic cycle and how asset allocation and broad diversification of investments can help weather downturns in the economic market. Learn the types of products that make up each asset class and become better informed about how and where to invest your money.

One Income in a Two Income World

streaming video of "One Income in a Two Income World" (Real Video)

Wednesday, July 26, 2006 - Noon
Office of Human Resources
1590 N. High - Rm. 421
Presented by Consumer Credit Counseling Service

Adjusting to living on one income from two can initially be quite difficult. However, in many ways families living on one income can actually be more secure and stress-free than families with two incomes. If you are considering trying to live on one income, before one spouse actually quits his or her job, come to this session to learn the questions to consider. Can you realistically cut back enough on your lifestyle to live on one income? Do you have an emergency savings fund and enough life and disability insurance? Do you have loans or credit card debt? Tips from this session will help you learn if it is realistic to expect to reduce your income, try to get out of debt, and live on one income.

Long Term Care Insurance

streaming video of "Long Term Care Insurance" (Real Video)

Thursday, June 8, 2006, Noon
Office of Human Resources
1590 N. High St., Room 421
Presented by Ohio Senior Health Insurance Information Program (OSHIIP)

Long-term Care Insurance is designed to help defray the cost of extended care without jeopardizing your income, retirement savings, or other investments. This presentation will offer participants an overview of long-term care insurance, including an explanation of coverage and benefits within different policies. OSHIIP will discuss considerations for purchasing the product and what benefit triggers initiate coverage. The role of Medicare and Medicaid will be discussed as it relates to long-term care. With expanding live expectancies, coverage for long-term care may be an important part of a financial plan.

Your Retirement and OPERS

streaming video of "Your Retirement and OPERS" (Real Video)

Friday, May 5, 2006, Noon
170 Davis Heart and Lung Institute
473 W. 12 th Ave.
Presented by Ohio Public Employees Retirement System (OPERS)

If you are a university staff member participating in the Ohio Public Employees Retirement System (OPERS), you may want to attend this refresher on the benefit provisions of the OPERS retirement plans. This session will be of interest to you whether you are near or many years from retirement. Topics will include age and service retirement benefits, survivor and disability benefits, details on purchasing service credit, and payment options at retirement.

Life Events and Your Finances

streaming video of "Life Events and Your Finances" (Real Video)

Wednesday, April 19, 2006, Noon
Office of Human Resources
1590 N. High St., Room 421
Presented by Con sumer Credit Counseling Services

"I do," "It's a girl," "We are sorry to inform you..." Our lives are shaped by many different moments-some are joyous and others have to be endured. Whatever life brings, smart planning can help you enjoy good times and get you through the tough ones. Many of us get swept up in major life events like marriage, divorce, child birth, etc. without being prepared financially. If you anticipate experiencing a major a life event in the near future and want to learn how to create a financial plan to lessen the stress of that event on your family and income attend this session.

Paid Leave Programs at OSU

Note: Due to consideration of confidentiality, a live streaming video is not available.

Wednesday, March 15, 2006, Noon
Prior Health Science Library
376 West 10 th Ave., Room 400 AB
Presented by Office of Human Resources

Paid leave programs are made available to faculty and staff to provide time away from work for a number of reasons. Short-term medical conditions of one's self or family members, disability, bereavement, or the birth or adoption of a child are just some of the reasons you may need time away from your job. If you are anticipating the need to take a medical leave from you job, come to this session to learn about how these paid leave programs work at the university.

College Advantage Program - A 529 Savings Plan

streaming video of "College Advantage Program - A 529 Savings Plan" (Real Video)

Wednesday, February 15, 2006, Noon
Office of Human Resources
1590 N. High St., Room 421
Presented by Ohio Tuition Trust Authority

Ohio's 529 college savings plan has many benefits that make saving for college easy and affordable. CollegeAdvantage is offered and administered by the Ohio Tuition Trust Authority and offers the unique combination of state and federal tax advantages that can help you save for your child's future college expenses. This program allows you to use the funds at any college, pay for tuition, room and board, or books, transfer funds to another child, or withdraw funds at any time. You don't have to give up your life savings to afford college for your child. Come to this session to hear how saving a little at a time under the CollegeAdvantage program can make a big difference in your child's college fund.

SRAs: Save on Taxes, Save For Retirement

streaming video of "SRAs: Save on Taxes, Save For Retirement" (Real Video)

Tuesday, December 13, 2005, Noon
473 West 12th Ave., 170 Davis Heart & Lung Research Institute
Presented by TIAA-CREF

Life expectancy for the average person has increased dramatically in the last several years. Many of us can expect to live to age 90 or older. Supplemental Retirement Accounts (SRAs) are an easy, affordable, and tax-deferred way to build additional assets to support a longer life span. Bolster your retirement savings to enjoy the type of lifestyle you want during retirement by contributing to an SRA now. Note: This session is available to all employees who are eligible to participate in Ohio State’s Supplemental Retirement Accounts (SRAs). All appointments (including student employees and IRP nurses) are now eligible for this benefi t with the exception of Post Doctoral Fellows.

Life Insurance 101

NOTE: Archived streaming video of this presentation is not available.

Friday, October 14, 2005, Noon
Office of Human Resources, 1590 N. High St., Room 430A
Presented by David Underhill, Marketing Representative, Anthem Life Insurance Company

Are you confused about the many different types of life insurance—term life, whole life, universal life, variable life, and variable universal? If you are considering purchasing additional life insurance coverage for your family, come and learn common life insurance terms, how each type of insurance works, and the type of life insurance that is right for your family or situation.

Medicare

streaming video of "Medicare" (Real Video)

Wednesday, September 21, 2005, Noon
165 Davis Heart and Lung Institute, 473 W. 12th Ave.
Presented by the Ohio Department of Insurance

Medicare plays an important part in the lives of almost all Americans. This session will provide you with the basics of that complex coverage. Hear an expert on Medicare cover such topics as who qualifi es for Medicare benefi ts, when to apply, and the provisions and differences between Medicare Parts A and B.

Reverse Mortgages: Using Your Home Equity to Finance Your Retirement

streaming video of "Reverse Mortgages: Using Your Home Equity to Finance Your Retirement" (Real Video)

Wednesday, August 24, 2005, Noon
Office of Human Resources, 1590 N. High St., Room 430A
Presented by Richard F. Meyer, Elder Law Attorney, Browning & Meyer Co., LPA, and Keith H. Turner, Reverse Mortgage Consultant, Wells Fargo Home Mortgage

Are your elderly parents having difficulty covering their financial needs? Are you planning for your own retirement? Come to this informational session to learn the pros and cons of a program that enables homeowners age 62 or older to convert some of their home equity into tax-free cash. Whether the homeowner opts to receive monthly checks or take a lump sum payment to pay bills or remodel a home, this product may be an aid that a homeowner can use to help with financial needs.

Advance Directives for Medical Care

streaming video of "Advance Directives for Medical Care" (Real Video)

Tuesday, July 26, 2005, Noon
107 Hamilton Hall, 1645 Neil Ave.
Presented by Robert Reed, PHD, Certified Financial Planner, Licensed Investment Advisor

If you could no longer make your own health care decisions, would your medical care wishes be known? If your answer is no or “I’m not sure,” then you should attend this session. Dr. Reed will discuss living wills and other legal documents you need to ensure that doctors know your health care wishes. These forms, which are free and can be filled out by yourself, protect your right to request or refuse medical treatments. Additionally, they have limitations that you should know about. Arrange for these decisions while you still can have a voice in the matter.

Social Security Administration

streaming video of "Social Security Administration" (Real Video)

Wednesday, June 8, 2005, Noon
107 Hamilton Hall, 1645 Neil Ave.
Presented by Social Security Administration

Have you paid into Social Security for many years and wonder how Social Security benefits will work with your retirement income from STRS-OH and OPERS? Hear an expert from the Social Security Administration discuss topics such as: credits needed to qualify for benefits under Social Security; Medicare; survivor benefits; eligibility for benefits on another worker's record; Government Pension Offset (GPO); and the Windfall Elimination Provision (WEP).