Education Videos & Links Videos Most Recent HOAG You Tube Medicare Videos8/10/22: Medicare Supplements: https://www.youtube.com/watch?v=jC22tUG_stw8/4/22: Medicare Basics: https://www.youtube.com/watch?v=CJsHRF0JxEk7/14/22: Medicare Supplements: https://www.youtube.com/watch?v=jm34DhZsnL4 Protecting Your Retirement Income from Taxes To gain an accurate understanding of the status of your CalPERS or CalSTRS Retirement benefits, please complete the form below. We take a look for you, and provide you with a clear and up-to-the-minute report on your retirement benefit. Request your free CalSTRS/CalPERS Analysis Name Email Address Phone Question Thank you! Oops! PDFs Optimizing Retirement Income by Combining Actuarial Science and InvestmentsHarvard Business Review - The Crisis in Retirement PlanningMorningstar Investment Management - Low Bond Yields and Safe Portfolio Withdrawal RatesWharton Financial Institutions Center - Investing your Lump Sum at RetirementWSJ - Say Goodbye to the 4% Rule BenefitsLink Plans Newsletter BenefitsLink Newsletters - 2012 Issues Planning for Eldercare Invisible Heroes - November 13, 2012Compensation Plans Newsletters Aug. 2012Sept. 2011Sept. 2011Oct. 2011 Reports & Articles Wealth Transfer Using Life InsuranceLife Insurance a an Asset ClassAnnuities as Trust AssetsA Numbers Comparison Client Presentations I-21881 Nest egg client seminarI-21707 Annuity Care Client PresentationI-20450 PPA Client Seminar FinalI-18680 All Product Client Seminar Health Insurance Articles 2013 Changes Aetna’s Preferred Drug, Precertification, Quantity Limit, Specialty Care Rx ListsAetna Advantage Plans for Individuals, Families and the Self-Employed - Nov 2012Planning for Eldercare Articles Nov 2012The legality of charging a planning fee tied to an insurance sale Jul - 2012Five Lessons I Learned By Quitting My Safe Corporate Job. Nov 2012Obamacare’s Ohio insurance exchange not to be run by Ohio. Nov 2012If A Starbucks Opens In A New Neighborhood, It's Time To Buy A Home There nov 2012Navigating Claims Process Can Be a Challenge for Homeowners nov 2012Smartphones Favored for Customer Service Interactions nov 2012Health care law may cut down on excessive procedures september 2012Cross Insurance is now the official insurance broker of the New England Patriots Sept 2012More U.S. employers tie health insurance to medical tests April 2012Top Reasons Happy Couples File Wedding Insurance Claims April 20125 things small employers must know about health care reform April 2012Upon clicking these links, you are leaving this website. The website you are going to is not controlled by the companies of OneAmerica or The Sterling Insurance & Financial Group and the content thereon has not been reviewed or approved by the companies of OneAmerica or The Sterling Insurance & Financial Group. The companies of OneAmerica or The Sterling Insurance & Financial Group are not responsible for any information on these pages.