<?xml version="1.0"?><urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"><url><loc>https://retirement.johnhancock.com/us/en</loc><lastmod>2026-03-06T08:43:19-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/participant/one-on-one-help</loc><lastmod>2025-04-15T13:52:00-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/participant/advisor-feedback-hub/How-to-take-control-of-stress-so-it-doesnt-control-you</loc><lastmod>2023-06-20T16:57:36-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/participant/advisor-feedback-hub/Four-questions-to-help-you-plan-your-retirement-income</loc><lastmod>2023-07-06T10:48:51-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/participant/articles/financial-basics/your-retirement-withdrawal-strategy-four-tips-for-managing-inflation</loc><lastmod>2024-10-07T13:52:10-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/participant/articles/financial-basics/investing-strategies-for-after-retirement</loc><lastmod>2024-10-07T23:18:30-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/participant/articles/financial-basics/what-to-do-when-your-emotions-go-up-and-down-with-the-market</loc><lastmod>2024-10-14T09:43:22-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/retirement-products</loc><lastmod>2023-08-01T10:54:12-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/retirement-products/investments</loc><lastmod>2025-04-08T16:35:06-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/retirement-products/investments/stable-value</loc><lastmod>2025-05-16T11:13:13-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/retirement-products/investments/target-date</loc><lastmod>2025-03-11T15:15:41-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/retirement-products/investments/collective-investment-trusts</loc><lastmod>2025-04-30T15:53:51-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/retirement-products/investments/collective-investment-trusts/cit-lineup</loc><lastmod>2024-08-28T15:36:04-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/retirement-products/retirement-plans</loc><lastmod>2026-02-18T11:05:55-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/retirement-products/retirement-plans/retirement-plans</loc><lastmod>2021-04-05T12:34:31-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/retirement-products/retirement-plans/retirement-plans/building-your-plan</loc><lastmod>2025-03-27T15:27:26-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/retirement-products/retirement-plans/retirement-plans/managing-your-plan</loc><lastmod>2025-03-27T15:52:13-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/retirement-products/retirement-plans/retirement-plans/investment-platform</loc><lastmod>2025-03-27T15:54:12-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/retirement-products/retirement-plans/retirement-plans/open-architecture-plans</loc><lastmod>2025-03-27T14:44:56-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/retirement-products/retirement-plans/retirement-plans/open-architecture-plans/benefits-consulting-group</loc><lastmod>2025-04-01T13:51:31-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/retirement-products/retirement-plans/retirement-plans/securing-your-plan</loc><lastmod>2025-03-27T13:10:02-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/retirement-products/retirement-plans/small-business-retirement-plans</loc><lastmod>2025-07-09T16:30:25-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/retirement-products/retirement-plans/small-business-retirement-plans/signature-plans</loc><lastmod>2025-03-27T14:38:09-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/retirement-products/retirement-plans/small-business-retirement-plans/signature-plans/building-your-plan</loc><lastmod>2025-03-27T14:18:52-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/retirement-products/retirement-plans/small-business-retirement-plans/signature-plans/managing-your-plan</loc><lastmod>2025-03-27T14:27:47-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/retirement-products/retirement-plans/small-business-retirement-plans/signature-plans/securing-your-plan</loc><lastmod>2025-03-27T14:29:54-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/retirement-products/retirement-plans/small-business-retirement-plans/signature-plans/investment-selection-and-monitoring</loc><lastmod>2025-03-27T14:33:24-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/retirement-products/retirement-plans/small-business-retirement-plans/signature-fiduciary-connect</loc><lastmod>2025-04-01T13:58:14-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/retirement-products/retirement-plans/Nonqualified-plans</loc><lastmod>2022-10-03T14:09:09-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/retirement-products/retirement-plans/defined-benefit-plans</loc><lastmod>2022-10-03T14:06:07-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/retirement-products/retirement-plans/defined-contribution-plans</loc><lastmod>2025-10-20T08:25:27-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/retirement-products/retirement-plans/Taft-Hartley-retirement-plans</loc><lastmod>2026-03-20T09:41:41-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/participant-experience</loc><lastmod>2026-04-01T09:33:15-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints</loc><lastmod>2025-09-26T14:43:23-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/hidden</loc><lastmod>2019-09-23T14:56:31-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness</loc><lastmod>2026-02-02T13:57:44-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/tips-to-make-retirement-plan-rmds-easier</loc><lastmod>2025-09-03T18:18:08-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/how-to-roll-over-your-401-k--directly-to-an-ira</loc><lastmod>2024-04-05T13:35:15-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/three-steps-to-financial-wellbeing</loc><lastmod>2025-09-04T08:46:22-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/avoid-these-common-mistakes-in-your-ira-</loc><lastmod>2024-05-02T12:24:35-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/how-recessions-can-affect-retirement-savings</loc><lastmod>2025-08-16T06:15:59-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/seven-retirement-planning-mistakes-that-could-be-costing-you</loc><lastmod>2024-06-26T13:30:33-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/what-are-the-different-types-of-iras-and-which-one-fits-you-</loc><lastmod>2024-07-09T10:27:25-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/10-smart-financial-moves-to-help-you-stay-on-budget</loc><lastmod>2025-09-04T14:43:03-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/potential-benefits-of-having-both-a-traditional-and-roth-ira</loc><lastmod>2024-08-06T15:06:13-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/three-steps-to-consider-taking-with-your-investments-in-an-elect</loc><lastmod>2025-08-16T06:36:25-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/401-k--versus-ira--three-factors-to-consider-when-you-retire</loc><lastmod>2024-09-25T15:37:27-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/five-ways-mobile-apps-can-help-you-plan-for-retirement</loc><lastmod>2025-09-04T08:54:09-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/five-budget-friendly-tips-for-the-holiday-season</loc><lastmod>2024-12-05T06:19:05-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/seven-tips-for-living-in-a-multigenerational-household</loc><lastmod>2024-12-17T10:49:46-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/understanding-taxes-and-your-retirement-savings</loc><lastmod>2025-01-23T05:48:30-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/four-terms-to-help-you-understand-investment-performance-</loc><lastmod>2025-08-16T06:05:14-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/six-retirement-investment-terms-to-know</loc><lastmod>2025-01-21T09:35:07-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/what-s-a-money-market-fund-</loc><lastmod>2026-01-05T08:58:38-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/Six-tips-to-help-you-review-your-retirement-account</loc><lastmod>2026-01-05T09:10:46-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/how-tariffs-can-affect-your-retirement-savings-balance-today</loc><lastmod>2025-09-04T09:28:43-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/following-a-financial-influencer--consider-these-five-tips-</loc><lastmod>2026-01-05T09:12:49-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/what-if-you-live-to-110--planning-for-your-longevity-</loc><lastmod>2026-01-05T09:08:17-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/how-can-a-managed-account-help-in-a-volatile-market----manulife-</loc><lastmod>2025-09-03T12:05:11-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/when-is-the-best-time-to-contribute-to-your-ira-</loc><lastmod>2025-09-08T09:04:57-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/why-every-woman-needs-a-retirement-plan-and-a-retirement-plan-b</loc><lastmod>2025-09-16T11:38:16-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/Four-ways-that-a-new-federal-law-enhances-529-education-savings-accounts</loc><lastmod>2025-10-09T08:11:09-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/how-emergency-savings-can-help-protect-your-retirement-plan</loc><lastmod>2022-07-18T14:47:20-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/saving-for-college-do-your-homework</loc><lastmod>2022-07-21T13:53:48-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/why-invest-in-your-401k-plan</loc><lastmod>2022-11-15T10:21:55-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/managing-your-401k-plan-account-through-a-market-downturn</loc><lastmod>2025-09-04T08:36:42-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/what-is-a-401k-plan</loc><lastmod>2022-11-15T10:20:51-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/what-s-social-security-and-how-much-will-i-get-when-i-retire-</loc><lastmod>2022-07-11T16:43:20-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/Resolutions-to-help-you-get-on-track-for-retirement</loc><lastmod>2025-08-19T09:49:02-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/getting-started-in-your-401-k----john-hancock-retirement</loc><lastmod>2021-09-22T17:24:26-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/What-you-need-to-know-about-401k-loans</loc><lastmod>2025-02-25T12:42:50-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/5-steps-to-help-you-meet-your-retirement-savings-goal</loc><lastmod>2021-09-22T18:08:17-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/8-ways-to-protect-your-online-personal-information-including-you</loc><lastmod>2025-09-03T18:01:48-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/preparing-for-retirement-when-it-s-on-your-horizon-</loc><lastmod>2022-07-11T16:25:27-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/three-significant-retirement-plan-changes-in-the-cares-act-</loc><lastmod>2022-01-19T14:52:59-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/should-i-invest-in-a-401-k--or-an-ira--</loc><lastmod>2025-09-04T13:10:13-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/How-to-manage-your-401k-through-market-fluctuations</loc><lastmod>2025-09-04T08:34:09-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/how-setting-up-a-budget-can-help-you-through-tough-times-</loc><lastmod>2021-10-26T10:34:48-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/Taking-charge-make-your-financial-decisions-count</loc><lastmod>2021-10-26T10:37:27-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/what-to-do-before-taking-money-out-of-your-401-k--in-retirement-</loc><lastmod>2021-09-01T17:26:12-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/what-is-a-roth-401-k--</loc><lastmod>2021-09-16T13:04:30-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/how-to-retire-early-what-you-need-to-do-now</loc><lastmod>2021-09-22T17:07:27-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/ways-to-invest-your-401-k--savings-</loc><lastmod>2022-07-11T15:07:04-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/holiday-planning-during-the-pandemic</loc><lastmod>2022-12-12T11:50:28-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/what-the-annual-2024-irs-limits-mean-for-your-retirement-plan</loc><lastmod>2023-11-30T11:43:21-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/choosing-an-auto-loan---john-hancock-retirement-</loc><lastmod>2023-02-10T13:08:36-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/applying-for-a-mortgage--learn-the-basics-first</loc><lastmod>2023-02-10T13:06:33-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/what-s-an-employer-match-</loc><lastmod>2023-12-01T08:56:30-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/everyone-needs-estate-planning-and-this-checklist-makes-it-easy</loc><lastmod>2022-07-07T15:30:05-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/how-combining-accounts-can-help-with-your-retirement-savings</loc><lastmod>2025-09-04T08:18:34-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/what-to-do-with-your-retirement-plan-savings-when-you-leave-your</loc><lastmod>2021-09-22T18:02:22-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/65-commonly-asked-questions-about-401-k--plans-and-where-to-find</loc><lastmod>2025-08-16T06:01:26-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/in-your-20s--how-to-afford-your-new-life-while-saving-for-retire</loc><lastmod>2021-10-28T14:31:32-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/three-steps-to-help-you-avoid-the-dangers-of-credit-card-debt1</loc><lastmod>2023-02-10T13:11:21-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/tips-on-managing-your-money-and-your-retirement-savings-in-a-pan</loc><lastmod>2025-08-16T06:40:54-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/how-inflation-can-affect-your-401-k-</loc><lastmod>2021-09-23T11:04:52-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/tap-into-the-tax-benefits-of-saving-in-a-401-k-</loc><lastmod>2025-09-04T13:08:33-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/being-out-of-work-can-impact-your-retirement-savings</loc><lastmod>2021-09-01T17:45:26-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/what-s-an-hsa-</loc><lastmod>2026-03-17T07:42:18-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/four-tips-to-help-your-financial-recovery-from-covid-19</loc><lastmod>2021-09-09T15:37:39-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/managing-your-money-in-your-30s-how-to-plan-for-today-and-tomorr</loc><lastmod>2026-03-17T07:36:34-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/what-causes-people-to-retire-early-and-how-to-stay-prepared</loc><lastmod>2021-09-17T12:43:49-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/building-your-401-k--know-how--what-s-dollar-cost-averaging-</loc><lastmod>2025-08-16T06:04:09-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/what-is-medicare-</loc><lastmod>2025-11-10T10:15:59-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/emergency-savings-do-you-have-the-cash-if-a-crisis-occurs-</loc><lastmod>2022-07-18T14:49:55-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/what-s-a-rollover-ira--</loc><lastmod>2022-07-08T12:36:44-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/can-you-take-money-from-your-rollover-ira-</loc><lastmod>2021-11-09T14:26:08-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/what-are-401-k--catch-up-contributions-and-how-can-they-help-boo</loc><lastmod>2026-03-09T15:38:31-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/seven-financial-planning-mistakes-to-avoid</loc><lastmod>2025-09-03T18:11:27-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/403-b--vs--401-k--vs--457-b--what-s-the-difference-</loc><lastmod>2026-03-09T15:24:34-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/who-regulates-retirement-plans--</loc><lastmod>2021-12-07T11:20:05-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/mixing-up-your-investments-with-a-diversified-retirement-account</loc><lastmod>2021-12-20T14:28:45-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/what-are-the-lifetime-income-illustrations-on-my-401-k--statemen</loc><lastmod>2025-09-04T08:56:50-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/six-steps-to-help-get-your-retirement-savings-on-track-in-your-4</loc><lastmod>2025-08-16T06:33:57-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/what-you-should-know-before-taking-social-security</loc><lastmod>2025-09-03T18:19:57-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/not-ready-to-quit--try-partial-retirement</loc><lastmod>2022-01-13T14:26:34-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/how-to-get-your-retirement-savings-on-track</loc><lastmod>2025-09-04T13:06:58-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/three-strategies-for-managing-your-debt</loc><lastmod>2023-02-10T13:12:30-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/renting-versus-buying-a-home</loc><lastmod>2022-01-21T08:52:11-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/how-does-investing-work--the-basics</loc><lastmod>2025-08-16T06:10:56-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/social-security-payments-increased-why-didn-t-my-check-</loc><lastmod>2026-03-09T15:52:42-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/what-s-a-fund-fact-sheet-</loc><lastmod>2025-09-04T08:40:10-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/what-are-asset-classes</loc><lastmod>2026-03-17T07:10:29-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/eight-financial-tips-for-your-50s</loc><lastmod>2024-03-13T15:01:40-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/accessing-your-401-k--money-withdrawals--loans--and-hardships</loc><lastmod>2022-03-16T08:28:56-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/four-ratios-to-help-keep-your-personal-finances-on-track</loc><lastmod>2025-09-04T08:51:07-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/blueprint-for-paying-down-your-debt</loc><lastmod>2023-02-06T16:46:15-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/what-taxes-do-you-pay-on-investments-in-your-retirement-accounts</loc><lastmod>2025-09-03T18:15:49-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/critical-ages-for-retirement-planning--social-security-benefits-</loc><lastmod>2025-09-03T17:56:08-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/four-questions-to-help-you-plan-your-retirement-income-</loc><lastmod>2022-06-02T08:46:05-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/how-do-interest-rates-affect-retirement-savings-</loc><lastmod>2025-08-16T06:11:59-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/can-i-take-money-from-my-401-k</loc><lastmod>2022-08-04T17:48:33-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/can-i-take-money-from-my-401-k/what-happens-if-i-have-a-401-k-and-quit-my-job</loc><lastmod>2023-01-09T10:40:34-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/can-i-take-money-from-my-401-k/For-which-reasons-can-you-take-a-401k-withdrawal-without-penalty</loc><lastmod>2023-01-09T10:40:55-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/can-i-take-money-from-my-401-k/Is-it-better-to-borrow-or-withdraw-from-a-401k</loc><lastmod>2023-01-09T10:41:13-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/can-i-take-money-from-my-401-k/Whats-a-hardship-withdrawal</loc><lastmod>2023-01-09T10:41:36-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/can-i-take-money-from-my-401-k/Can-retirement-plan-withdrawals-be-paid-back</loc><lastmod>2023-01-09T10:41:52-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/who-or-what-is-a-beneficiary-</loc><lastmod>2022-07-08T08:57:33-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/what-can-you-do-with-an-inherited-retirement-account-</loc><lastmod>2022-07-18T11:23:15-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/what-is-inflation</loc><lastmod>2022-08-02T13:34:39-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/active-vs--passive-investing-what-s-the-difference-</loc><lastmod>2025-08-16T06:02:38-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/understanding-your-social-security-spousal-benefits-after-divorc</loc><lastmod>2023-01-30T08:54:17-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/five-questions-to-help-couples-with-financial-planning</loc><lastmod>2022-10-03T14:12:27-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/your-retirement-withdrawal-strategy-four-tips-for-managing-infla</loc><lastmod>2022-09-23T12:33:51-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/esg-investing-defined</loc><lastmod>2026-03-17T06:42:01-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/pay-off-student-loans-or-save-for-retirement-can-i-do-both-</loc><lastmod>2024-09-18T10:18:34-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/what-s-a-required-minimum-distribution--and-do-i-need-take-one--</loc><lastmod>2025-09-03T17:51:40-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/three-rates-of-return-to-consider-using-for-retirement-planning</loc><lastmod>2025-09-04T08:30:11-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/rebalancing-your-retirement-account-to-help-manage-risk</loc><lastmod>2022-10-24T09:21:14-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/why-estate-planning-is-important-for-everyone</loc><lastmod>2026-03-17T06:37:54-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/what-to-know-when-your-defined-benefit-pension-plan-terminates</loc><lastmod>2022-11-07T09:54:41-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/protecting-your-personal-information-a-cybersecurity-checklist</loc><lastmod>2024-03-07T14:36:48-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/retiring-into-a-challenging-economy</loc><lastmod>2025-08-16T06:27:14-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/ten-holiday-budget-tips-for-celebrating-the-season</loc><lastmod>2026-03-17T06:34:53-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/how-to-teach-your-young-kids-about-money-five-tips</loc><lastmod>2022-11-17T13:57:41-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/four-reasons-to-consider-staying-in-your-401-k---after-leaving-a</loc><lastmod>2026-03-17T06:27:34-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/irs-contribution-limits-for-2023-helping-you-save-more-in-your-4</loc><lastmod>2025-09-04T08:43:29-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/can-a-roth-ira-be-used-for-college-</loc><lastmod>2023-01-03T17:26:15-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/what-s-the-difference-between-social-security-and-a-pension-</loc><lastmod>2023-01-09T13:56:37-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/what-s-a-required-minimum-distribution--and-do-i-need-to-take-on</loc><lastmod>2023-01-23T15:54:39-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/five-factors-to-consider-for-relocating-for-retirement</loc><lastmod>2026-03-17T06:16:04-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/what-happens-to-my-401-k--when-i-retire-</loc><lastmod>2023-02-02T12:55:09-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/why-you-should-know-the-difference-between-your-risk-tolerance-a</loc><lastmod>2025-07-19T05:37:06-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/expand-from-building-wealth-to-improving-financial-health</loc><lastmod>2026-03-17T06:07:51-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/what-s-buy-now--pay-later-</loc><lastmod>2025-09-04T15:46:16-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/is-your-old-retirement-plan-moving-to-a-new-provider--here-s-wha</loc><lastmod>2023-06-06T06:45:47-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/four-key-features-of-a-defined-benefit-pension-plan</loc><lastmod>2025-09-04T08:17:11-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/personal-finances-101--how-to-get-organized-and-set-smart-financ</loc><lastmod>2024-10-01T10:36:47-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/what-are-the-potential-benefits-of-a-managed-account-as-you-appr</loc><lastmod>2023-04-13T13:54:52-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/eight-things-to-know-about-joining-your-401-k</loc><lastmod>2023-05-09T09:54:00-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/asset-allocation-vs--diversification-what-s-the-difference-</loc><lastmod>2025-09-04T14:41:19-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/what-s-the-debt-ceiling-and-how-is-it-related-to-the-stock-marke</loc><lastmod>2025-08-16T06:49:02-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/thinking-about-moving-in-with-your-adult-children--five-things-t</loc><lastmod>2026-03-06T08:35:16-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/what-you-need-to-know-about-converting-your-401-k--to-a-roth-ira</loc><lastmod>2023-06-15T15:03:10-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/what-does-a-target-date-fund-invest-in-</loc><lastmod>2025-09-04T12:51:44-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/what-to-do-with-your-day-care-dollars-when-your-child-graduates-</loc><lastmod>2023-08-16T08:58:14-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/steps-retirees-can-take-to-avoid-elder-financial-abuse-and-keep-</loc><lastmod>2023-07-18T14:44:01-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/how-to-build-an-emergency-fund</loc><lastmod>2026-01-05T09:02:45-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/things-to-consider-if-your-federal-student-loan-is-being-reactiv</loc><lastmod>2026-03-10T07:24:05-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/why-life-insurance-can-be-an-important-part-of-your-estate-plan</loc><lastmod>2023-09-15T09:03:28-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/five-questions-to-help-decide-which-ira-is-right-for-you</loc><lastmod>2025-09-04T08:49:20-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/what-s-the-stock-market-and-why-is-it-important-</loc><lastmod>2025-08-16T06:51:43-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/five-ways-to-make-the-most-of-your-rollover-ira</loc><lastmod>2026-03-10T07:15:03-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/financial-planning-for-retirement--a-road-map-for-your-goals-</loc><lastmod>2023-10-03T09:44:50-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/the-investment-basics-of-asset-allocation-vs--diversification</loc><lastmod>2025-09-04T08:38:38-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/six-tips-for-keeping-your-finances-on-track</loc><lastmod>2025-11-17T11:33:18-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/four-key-questions-about-opening-an-ira</loc><lastmod>2026-03-10T07:00:47-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/three-year-end-reminders-for-ira-contributions</loc><lastmod>2023-10-30T11:03:08-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/three-methods-that-can-help-you-achieve-proper-asset-allocation</loc><lastmod>2023-11-03T10:58:09-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/six-questions-about-the-stock-market-and-investing</loc><lastmod>2025-08-16T06:30:01-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/investing-strategies-for-after-retirement-</loc><lastmod>2025-06-27T05:27:49-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/why-the-stock-market-goes-up-and-down-and-what-you-can-do-about-</loc><lastmod>2025-08-18T09:44:18-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/what-s-probate-and-how-can-you-make-it-easier-for-your-loved-one</loc><lastmod>2023-12-12T08:32:55-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/three-considerations-when-choosing-your-retirement-account</loc><lastmod>2025-09-03T18:14:14-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/how-to-find-the-right-budget-plan</loc><lastmod>2024-01-09T08:41:03-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/five-tips-for-setting-your-annual-financial-goals</loc><lastmod>2024-01-17T08:23:40-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/what-to-do-when-your-emotions-go-up-and-down-with-the-market-</loc><lastmod>2025-08-16T06:46:03-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/five-tips-for-sticking-with-your-financial-new-year-resolutions</loc><lastmod>2024-01-25T14:14:09-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/five-ways-to-plan-for-tax-season</loc><lastmod>2024-02-06T06:54:13-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/consequences-to-consider-before-cashing-out-of-your-retirement-p</loc><lastmod>2024-03-26T10:50:09-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/know-the-consequences-of-an-early-ira-withdrawal</loc><lastmod>2024-03-27T17:17:42-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/four-reasons-to-delay-retirement-past-age-650</loc><lastmod>2026-03-07T06:20:14-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/what-are-the-pros-and-cons-of-downsizing-for-retirement-</loc><lastmod>2026-03-07T06:18:52-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/do-you-have-debt-in-your-50s-</loc><lastmod>2026-03-07T06:17:51-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/how-can-you-manage-stress-when-you-re-close-to-retirement-</loc><lastmod>2026-03-07T06:15:07-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/personalize-your-retirement-planning</loc><lastmod>2026-03-07T06:12:44-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/your-retirement-savings-account-needs-a-regular-care-routine--to</loc><lastmod>2026-03-07T06:10:11-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/how-does-the-government-shutdown-affect-my-retirement-</loc><lastmod>2025-10-24T09:28:07-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/are-you-thinking-about-opening-a-roth-in-your-20s----manulife-jo</loc><lastmod>2026-03-07T06:08:33-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/5-myths-about-529-college-savings-plans</loc><lastmod>2025-11-18T09:08:54-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/consider-this-financial-checklist-when-starting-a-new-job</loc><lastmod>2026-03-07T06:06:37-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/retirement-planning--five-tips-for-volatile-markets</loc><lastmod>2025-12-19T10:27:25-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/three-reasons-why-you-should-apply-for-financial-aid-now</loc><lastmod>2026-03-07T06:05:25-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/is-your-retirement-portfolio-planning-on-track-</loc><lastmod>2026-01-02T09:31:28-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/countdown-to-retirement-your-retirement-planning-timeline</loc><lastmod>2026-01-22T11:38:37-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/what-do-the-irs-contribution-limits-mean-for-your-retirement-acc</loc><lastmod>2026-01-21T15:27:37-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/how-can-a-diversified-retirement-account-help-keep-your-goals-in</loc><lastmod>2026-02-10T11:27:15-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/Seeking-scholarships-Four-tips-to-help-your-search</loc><lastmod>2026-02-11T15:52:10-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/how-boomerang-children-can-affect-your-retirement</loc><lastmod>2026-03-07T06:01:23-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/five-tips-for-withdrawing-your-money-in-retirement</loc><lastmod>2026-03-18T15:15:06-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/are-you-ready-for-a-longer-retirement-</loc><lastmod>2026-03-24T11:03:01-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/planning-to-age-in-place-your-communitys-senior-services-can-help</loc><lastmod>2026-03-30T08:35:42-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/retirement-readiness/three-tips-for-using-ai-in-financial-planning-</loc><lastmod>2026-04-02T09:31:27-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/financial-wellness</loc><lastmod>2022-06-22T11:12:42-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/financial-wellness/how-can-millenials-achieve-financial-wellness</loc><lastmod>2021-09-23T16:35:36-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/financial-wellness/gen-x-needs-help-with-financial-wellness-on-the-way-to-retirement</loc><lastmod>2021-09-23T17:01:15-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/financial-wellness/how-a-lot-of-the-financial-wellness-buzz-misses-the-point</loc><lastmod>2022-05-16T15:55:20-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/financial-wellness/why-financial-stress-is-like-the-big-bad-wolf-</loc><lastmod>2021-09-23T17:05:18-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/financial-wellness/financial-stress--what-s-the-cost-</loc><lastmod>2022-11-15T10:06:31-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/financial-wellness/Financial-wellness-begins-with-emergency-savings</loc><lastmod>2021-09-23T16:28:30-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/financial-wellness/the-top-causes-of-personal-financial-stress-it-s-not-what-you-ex</loc><lastmod>2021-09-24T08:55:50-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/financial-wellness/the-what--why--and-how-of-financial-wellness-programs</loc><lastmod>2021-09-24T08:59:02-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/financial-wellness/How-safe-are-your-clients-savings-Understanding-how-retirement-plan-accounts-are-generally-protected-from-creditors</loc><lastmod>2022-07-11T15:35:16-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/financial-wellness/myth-vs--reality-what-s-the-real-story-on-hsas-</loc><lastmod>2022-07-11T15:29:18-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/financial-wellness/financial-stress-during-the-pandemic-yes--it-s-gone-up</loc><lastmod>2022-07-07T10:24:45-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/financial-wellness/lowering-the-cost-of-financial-stress-to-employers-and-its-impac</loc><lastmod>2022-07-07T10:25:16-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/financial-wellness/financial-wellness-programs-can-help-increase-employee-loyalty-a</loc><lastmod>2021-09-23T16:33:37-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/financial-wellness/six-ways-to-help-reduce-financial-stress</loc><lastmod>2021-09-24T08:55:00-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/financial-wellness/how-financial-professionals-can-help-reduce-financial-stress</loc><lastmod>2021-09-23T17:03:14-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/financial-wellness/women-and-retirement-savings-three-challenges-that-hinder-succes</loc><lastmod>2025-07-16T19:26:12-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/financial-wellness/not-what-we-expected-a-chance-to-help-reduce-financial-stress</loc><lastmod>2025-08-16T07:51:04-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/financial-wellness/workers-want-help-making-these-financial-decisions</loc><lastmod>2025-08-16T08:17:49-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/financial-wellness/another-rising-cost-for-employers--financial-stress</loc><lastmod>2022-02-15T13:40:58-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/financial-wellness/advisors-can-help-reduce-financial-stress-amid-uncertainty</loc><lastmod>2022-03-14T14:25:40-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/financial-wellness/financing-longevity--how-saving-for-retirement-has-gotten-harder</loc><lastmod>2025-07-19T07:45:25-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/financial-wellness/financial-stress-can-have-an-impact-on-mental-health-</loc><lastmod>2022-05-12T09:59:17-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/financial-wellness/helping-women-manage-their-finances-through-divorce-and-widowhoo</loc><lastmod>2025-07-16T19:16:54-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/financial-wellness/two-financial-checklists-for-women-business-owners</loc><lastmod>2023-03-31T09:58:42-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/financial-wellness/tips-for-helping-participants-manage-their-top-financial-worries</loc><lastmod>2024-02-13T16:10:48-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/financial-wellness/helping-workers-manage-four-areas-of-financial-stress</loc><lastmod>2023-05-01T16:53:35-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/financial-wellness/three-reasons-employers-should-help-workers-manage-their-financi</loc><lastmod>2023-05-15T16:17:52-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/financial-wellness/deepen-relationships-by-helping-plan-sponsors-tackle-participant</loc><lastmod>2023-05-30T08:46:37-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/financial-wellness/how-to-help-gen-x-optimize-their-retirement-planning-</loc><lastmod>2026-03-07T06:29:36-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/financial-wellness/building-a-bridge-to-span-decades-of-retirement</loc><lastmod>2025-07-16T19:08:26-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/financial-wellness/baby-boomer-retirement-planning-how-employers-can-help-ease-the-</loc><lastmod>2026-01-06T16:06:54-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/financial-wellness/retirement-realities-for-gen-z-and-millennials--how-employers-ca</loc><lastmod>2026-03-07T06:26:58-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/financial-wellness/planning-for-longevity-is-about-more-than-money-</loc><lastmod>2026-03-07T06:25:23-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/financial-wellness/ready-or-not--the-40-year-retirement-is-here</loc><lastmod>2026-03-17T08:31:42-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/erisa--plan-design</loc><lastmod>2021-05-24T15:15:14-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/erisa--plan-design/401k-communications-a-fiduciary-duty</loc><lastmod>2025-07-03T14:56:41-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/erisa--plan-design/how-a-401k-managed-account-can-help-retirement-readiness</loc><lastmod>2025-12-19T16:45:02-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/erisa--plan-design/limiting-401k-plan-fiduciary-liability-investment-safe-harbors</loc><lastmod>2025-07-18T09:14:30-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/erisa--plan-design/the-basic-duties-of-an-erisa-retirement-plan-fiduciary</loc><lastmod>2025-07-18T09:28:57-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/erisa--plan-design/401k-tips-designing-for-decumulation</loc><lastmod>2021-09-23T11:11:02-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/erisa--plan-design/401k-plan-design-deciding-whos-eligible</loc><lastmod>2025-12-19T16:29:32-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/erisa--plan-design/cybersecurity-and-your-401k-plan-fiduciary-duties</loc><lastmod>2025-07-03T14:51:25-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/erisa--plan-design/Managing-401k-fiduciary-risk-plan-sponsor-best-practices</loc><lastmod>2025-07-03T14:52:53-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/erisa--plan-design/401k-recordkeeper-due-diligence-Its-not-just-about-fees</loc><lastmod>2025-07-18T09:12:36-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/erisa--plan-design/What-401-plan-sponsors-need-to-know-about-stable-value-funds</loc><lastmod>2025-12-19T16:40:33-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/erisa--plan-design/How-stable-value-funds-work</loc><lastmod>2025-12-19T15:12:52-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/erisa--plan-design/stable-value-due-diligence</loc><lastmod>2025-07-14T16:23:54-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/erisa--plan-design/What-is-ERISA</loc><lastmod>2025-12-19T16:36:38-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/erisa--plan-design/Eight-retirement-plan-goals-for-2020</loc><lastmod>2021-09-22T17:14:54-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/erisa--plan-design/ERISAs-actual-knowledge-requirement-says-what-it-means-and-means-what-it-says</loc><lastmod>2025-07-14T15:19:05-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/erisa--plan-design/covid-19-considerations-for-401-k--plan-fiduciaries</loc><lastmod>2025-07-19T08:08:43-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/erisa--plan-design/how-a-401-k--fee-policy-statement-can-help-protect-you</loc><lastmod>2025-07-18T09:24:23-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/erisa--plan-design/401-k--investment-net-fees</loc><lastmod>2025-12-19T16:05:33-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/erisa--plan-design/what-s-a-defined-benefit-plan--</loc><lastmod>2025-12-19T16:23:03-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/erisa--plan-design/erisa-and-the-401-k--plan--a-short-history</loc><lastmod>2025-07-18T10:05:02-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/erisa--plan-design/what-s-a-nonqualified-plan-</loc><lastmod>2025-12-19T16:35:00-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/erisa--plan-design/understanding-the-differences-among-single--pooled--and-multiple</loc><lastmod>2025-12-19T16:26:11-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/erisa--plan-design/the-three-layers-of-retirement-plan-cybersecurity-</loc><lastmod>2025-07-18T10:28:17-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/erisa--plan-design/when-are-participant-change-notices-required-under-erisa-404a-5-</loc><lastmod>2025-09-05T17:14:48-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/erisa--plan-design/cybersecurity-guidance-from-the-dol-for-retirement-plan-fiduciar</loc><lastmod>2025-07-03T14:38:05-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/erisa--plan-design/14-answers-you-should-know-about-401-k--eligibility-and-vesting</loc><lastmod>2025-12-19T15:17:20-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/erisa--plan-design/who-s-an-erisa-fiduciary-</loc><lastmod>2025-12-19T15:21:51-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/erisa--plan-design/avoid-these-four-common-401-k--nondiscrimination-testing-mistake</loc><lastmod>2023-12-01T14:23:49-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/erisa--plan-design/-a-checklist-for-retirement-plan-fiduciaries-amid-industry-conso</loc><lastmod>2025-07-03T13:17:10-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/erisa--plan-design/what-s-your-erisa-duty-with-qualified-retirement-plan-documents-</loc><lastmod>2025-06-26T16:18:27-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/erisa--plan-design/a-guide-to-408-b--2--fee-disclosures-for-retirement-plan-sponsor</loc><lastmod>2025-09-05T17:04:22-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/erisa--plan-design/what-happens-when-there-s-a-mistake-in-your-401-k-irs-correction</loc><lastmod>2025-12-19T16:50:36-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/erisa--plan-design/401-k--nondiscrimination-testing-a-guide-for-plan-sponsors-and-o</loc><lastmod>2025-12-19T15:31:44-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/erisa--plan-design/the-basics-of-the-401-k--coverage-test</loc><lastmod>2025-09-05T17:10:23-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/erisa--plan-design/what-employee-classification-means-for-your-401-k--testing</loc><lastmod>2025-12-19T15:57:17-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/erisa--plan-design/what-does-a-retirement-plan-committee-do</loc><lastmod>2025-07-03T10:01:50-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/erisa--plan-design/is-fiduciary-liability-insurance-the-same-as-a-fidelity-bond-</loc><lastmod>2025-07-18T10:04:08-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/erisa--plan-design/what-s-irs-form-5500-</loc><lastmod>2025-07-18T10:39:39-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/erisa--plan-design/what-s-the-value-of-working-with-a-3-38--investment-manager-</loc><lastmod>2025-12-19T15:55:41-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/erisa--plan-design/can-you-pay-401-k--plan-expenses-from-plan-assets-</loc><lastmod>2025-07-18T10:11:47-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/erisa--plan-design/what-s-a-qdro-and-what-are-my-fiduciary-duties-</loc><lastmod>2025-07-03T09:00:12-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/erisa--plan-design/managing-your-plan-s-cyber-liability-insurance</loc><lastmod>2022-11-08T09:17:08-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/erisa--plan-design/get-to-know-the-spark-institutes-cybersecurity-best-practices</loc><lastmod>2023-03-20T09:51:35-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/erisa--plan-design/what-are-some-best-practices-for-erisa-retirement-plan-fiduciari</loc><lastmod>2025-12-19T15:42:23-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/erisa--plan-design/proposed-regulations-on-the-use-of-forfeitures-in-qualified-reti</loc><lastmod>2023-09-07T17:29:58-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/erisa--plan-design/what-s-new-for-the-2023-irs-form-5500-</loc><lastmod>2023-11-16T09:35:48-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/erisa--plan-design/defined-contribution-plan-terminations-what-plan-sponsors-need-t</loc><lastmod>2026-03-09T15:42:34-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/erisa--plan-design/does-your-plan-sponsor-year-end-checklist-include-these-tasks-</loc><lastmod>2025-07-03T08:51:04-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/erisa--plan-design/bundled-or-unbundled-401-k--plan-which-is-right-for-you-</loc><lastmod>2025-12-19T15:39:07-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/erisa--plan-design/tips-for-creating-a-prudent-governance-process-for-your-retireme</loc><lastmod>2025-07-03T07:02:38-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/erisa--plan-design/the-importance-of-offering-401-k--loans-with-guardrails</loc><lastmod>2025-12-19T15:40:43-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/legislative--regulatory</loc><lastmod>2022-12-06T10:47:46-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/legislative--regulatory/the-secure-acts-intended-impact-on-401k-plans</loc><lastmod>2025-08-06T05:39:42-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/legislative--regulatory/a-guide-to-the-irs-s-final-regulations-on-401-k--hardship-distri</loc><lastmod>2025-09-03T15:56:21-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/legislative--regulatory/the-2020-401k-contribution-limits-and-how-to-use-them</loc><lastmod>2021-09-23T12:34:59-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/legislative--regulatory/four-things-you-should-know-about-the-secure-act</loc><lastmod>2025-08-06T05:36:46-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/legislative--regulatory/what-the-dol-s-proposed-rule-for-electronic-plan-disclosures-mea</loc><lastmod>2022-07-11T16:46:57-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/legislative--regulatory/the-irs-has-extended-retirement-plan-deadlines-what-plan-sponsor</loc><lastmod>2021-12-06T11:05:27-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/legislative--regulatory/the-cares-act-s-retirement-plan-provisions--at-a-glance</loc><lastmod>2021-07-07T17:04:56-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/legislative--regulatory/retirement-plan-professionals--don-t-forget-about-the-ffcra</loc><lastmod>2022-07-11T15:45:57-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/legislative--regulatory/the-cares-act-and-defined-benefit-plans--two-kinds-of-relief</loc><lastmod>2022-12-13T13:06:41-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/legislative--regulatory/ebsa-provides-disaster-relief-for-retirement-plans</loc><lastmod>2025-07-14T16:37:35-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/legislative--regulatory/what-the-dol-s-final-rule-for-electronic-delivery-means-for-eris</loc><lastmod>2022-07-11T15:40:20-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/legislative--regulatory/The-new-2020-RMD-rules-and-how-they-can-help-your-clients</loc><lastmod>2022-05-16T11:39:05-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/legislative--regulatory/irs-relaxes-rules-for-obtaining-spousal-consent-for-2020-</loc><lastmod>2025-09-25T13:10:34-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/legislative--regulatory/how-a-paycheck-protection-program-loan-can-help-your-small-busin</loc><lastmod>2021-09-16T13:25:08-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/legislative--regulatory/irs-provides-guidance-on-midyear-changes-of-contributions-to-401</loc><lastmod>2022-07-18T14:57:03-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/legislative--regulatory/irs-provides-relief-and-other-guidance-on-2020-required-minimum-</loc><lastmod>2022-07-11T15:24:10-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/legislative--regulatory/irs-guidance-for-the-cares-act-is-worth-the-wait</loc><lastmod>2022-07-11T15:21:51-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/legislative--regulatory/a-closer-look-at-the-dol-s-safe-harbor-edelivery-rule</loc><lastmod>2022-07-18T14:56:14-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/legislative--regulatory/interim-final-rule-on-the-secure-act-s-lifetime-income-illustrat</loc><lastmod>2025-08-06T05:37:48-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/legislative--regulatory/cycle-3-dc-five-things-you-should-know-about-the-irs-s-latest-40</loc><lastmod>2025-09-12T14:31:36-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/legislative--regulatory/takeaways-from-the-arpa-relief-for-single-employer-pension-plans</loc><lastmod>2022-12-13T13:04:44-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/legislative--regulatory/key-takeaways-from-the-u-s--supreme-court-s-ruling-in-the-northw</loc><lastmod>2025-07-03T09:57:36-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/legislative--regulatory/what-secure-act-2-0-could-mean-for-401-k--plans</loc><lastmod>2025-08-06T05:30:08-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/legislative--regulatory/cryptocurrency-in-401-k--plans</loc><lastmod>2025-09-16T10:35:47-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/legislative--regulatory/-what-the-dol-s-final-esg-rule-means-for-plan-sponsors</loc><lastmod>2025-07-03T08:47:00-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/legislative--regulatory/secure-act-2-0-offers-good-news-for-retirement-savers</loc><lastmod>2026-03-17T06:19:21-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/legislative--regulatory/a-secure-2-0-summary-of-provisions--purpose--and-timing</loc><lastmod>2026-03-17T06:09:53-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/legislative--regulatory/what-you-need-to-know-about-secure-2-0-right-now</loc><lastmod>2026-03-17T06:03:57-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/legislative--regulatory/what-s-in-secure-2-0-for-small-businesses--a-lot</loc><lastmod>2025-08-06T05:32:25-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/legislative--regulatory/four-important-new-rules-for-roth-in-secure-2-0-</loc><lastmod>2025-09-26T14:47:50-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/legislative--regulatory/how-secure-2-0-changes-rmds--catch-up-contributions--and-roth-</loc><lastmod>2025-09-26T14:47:49-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/legislative--regulatory/how-secure-2-0-can-help-your-employees-save-more-for-retirement</loc><lastmod>2025-09-26T14:50:12-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/legislative--regulatory/what-s-in-secure-2-0-for-defined-benefit-plans-</loc><lastmod>2025-08-06T06:12:51-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/legislative--regulatory/irs-issues-guidance-on-secure-2-0-epcrs-self-correction-program-</loc><lastmod>2025-08-05T18:20:51-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/legislative--regulatory/what-are-the-long-term-part-time-rules-under-secure-and-secure--</loc><lastmod>2026-03-10T07:35:03-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/legislative--regulatory/irs-delays-secure-2-0-roth-catch-up-rules-for-two-years</loc><lastmod>2026-03-10T07:25:43-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/legislative--regulatory/understanding-the-dol-s-definition-of-an-investment-advice-fiduc</loc><lastmod>2025-07-03T08:35:13-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/legislative--regulatory/irs-guidance-on-secure-2-0-provisions--helpful-but-not-everythin</loc><lastmod>2026-03-07T06:45:59-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/legislative--regulatory/long-term--part-time-employees--guidance-has-finally-arrived-</loc><lastmod>2026-03-07T06:44:46-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/legislative--regulatory/secure-2-0-checklist-a-simple-way-to-help-you-keep-your-plan-com</loc><lastmod>2026-03-07T06:43:44-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/legislative--regulatory/the-dol-s-final-fiduciary-rule-is-here-</loc><lastmod>2026-03-07T06:41:49-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/legislative--regulatory/simple-iras--what-to-know-after-secure-2-0</loc><lastmod>2026-03-07T06:39:48-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/legislative--regulatory/the-rmd-evolution--understanding-the-2024-required-minimum-distr</loc><lastmod>2026-03-07T06:38:18-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/legislative--regulatory/dol-issues-final-amendments-to-voluntary-fiduciary-correction-pr</loc><lastmod>2025-08-05T18:09:15-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/legislative--regulatory/secure-2-0-s-new-roth-catch-up-contribution-rule---manulife-john</loc><lastmod>2026-01-15T16:05:38-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/legislative--regulatory/navigating-secure-2-0-mandatory-auto-enrollment</loc><lastmod>2026-03-07T06:48:15-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/practice-management</loc><lastmod>2023-08-01T08:23:59-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/practice-management/the-erisa-calendar-an-all-season-tool-for-advisor-practice-marketing</loc><lastmod>2021-09-24T09:24:45-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/practice-management/when-simple-isnt-best-why-a-401k-may-beat-the-simple-ira</loc><lastmod>2025-06-27T13:16:39-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/practice-management/Reflections-on-TPA-Day-and-the-value-of-partnership</loc><lastmod>2022-11-10T13:23:21-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/practice-management/why-state-mandated-auto-iras-are-good-for-your-retirement-practi</loc><lastmod>2022-07-11T16:55:21-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/practice-management/seven-ways-ERISA-can-guide-your-meetings-and-help-you-grow-your-business</loc><lastmod>2021-09-24T09:26:07-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/practice-management/How-to-protect-your-small-business-from-covid-related-scams-and-cybersecurity-threats</loc><lastmod>2021-09-16T13:25:51-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/practice-management/the-market-moved-in-march--but-401-k--participants-didn-t</loc><lastmod>2025-07-19T06:31:23-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/practice-management/how-401-k--participants-responded-to-the-cares-act-and-market-vo</loc><lastmod>2025-08-16T07:27:05-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/practice-management/actions-taken-by-retirement-plan-participants-reflect-may-s-mixe</loc><lastmod>2025-07-19T07:40:53-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/practice-management/seven-back-to-office-cybersecurity-tips</loc><lastmod>2022-06-02T16:40:07-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/practice-management/retirement-plans-in-june-continued-to-reflect-the-ups-and-downs-</loc><lastmod>2025-08-16T07:53:28-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/practice-management/how-covid-19-has-affected-retirement-plan-sponsors-and-participa</loc><lastmod>2025-08-16T07:29:57-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/practice-management/use-national-401-k--day-to-help-your-participants--and-your-plan</loc><lastmod>2022-02-15T12:44:13-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/practice-management/Best-practices-for-your-next-401k-RFP-to-assess-relationship-management</loc><lastmod>2021-09-23T10:46:31-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/practice-management/achieving-positive-flow-with-401-k--optimization</loc><lastmod>2022-07-11T15:19:27-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/practice-management/six-months-of-market-volatility-and-covid-19--reflections-from-a</loc><lastmod>2025-07-19T06:29:59-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/practice-management/2020-s-lessons-for-401-k--participants-and-financial-professiona</loc><lastmod>2025-07-19T06:22:44-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/practice-management/perspectives-on-the-role-of-the-financial-advisor-from-three-suc</loc><lastmod>2024-12-20T10:07:51-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/practice-management/how-to-use-linkedin-to-build-your-business</loc><lastmod>2022-11-07T12:04:53-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/practice-management/small-business-retirement-plans-partnering-for-success</loc><lastmod>2025-08-12T16:18:08-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/practice-management/six-myths-about-retirement-plans-for-small-businesses-debunked-</loc><lastmod>2025-07-14T16:06:52-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/practice-management/three-key-financial-metrics-for-retirement-plan-tpas-</loc><lastmod>2022-11-10T11:51:35-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/practice-management/opportunities-from-a-retiring-population-of-financial-services-p</loc><lastmod>2021-10-05T07:39:32-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/practice-management/why-financial-advisor-diversity-makes-good-business-sense</loc><lastmod>2022-07-08T12:49:26-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/practice-management/how-to-sell-your-retirement-plan-advisory-business</loc><lastmod>2021-09-30T13:05:16-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/practice-management/retirement-tpas-7-tips-for-optimizing-a-hybrid-work-schedule</loc><lastmod>2022-11-10T11:56:14-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/practice-management/how-to-acquire-a-retirement-plan-advisory-business0</loc><lastmod>2021-09-28T14:20:32-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/practice-management/the-recipe-for-hosting-a-successful-financial-planning-seminar</loc><lastmod>2025-09-16T10:30:52-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/practice-management/what-s-a-value-proposition-statement-</loc><lastmod>2024-11-19T11:43:15-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/practice-management/tips-to-win-more-finals-presentations</loc><lastmod>2021-12-13T09:00:12-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/practice-management/3-reasons-to-brush-up-on-401-k--payroll-integration-</loc><lastmod>2022-07-08T12:22:54-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/practice-management/building-a-profitable-retirement-practice-amidst-fee-compression</loc><lastmod>2022-01-27T09:02:48-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/practice-management/two-tips-to-help-boomers-with-their-shifting-retirement-prioriti</loc><lastmod>2022-07-08T10:42:51-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/practice-management/how-to-serve-a-growing-market-of-women-investors</loc><lastmod>2025-07-16T19:23:59-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/practice-management/three-investor-trends-that-could-fuel-the-evolution-of-the-finan</loc><lastmod>2025-07-16T19:22:01-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/practice-management/prospecting-strategies-to-help-grow-your-retirement-plan-busines</loc><lastmod>2025-09-16T09:58:32-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/practice-management/what-s-your-dei-business-strategy-</loc><lastmod>2022-07-18T14:22:10-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/practice-management/what-services-does-a-tpa-provide-</loc><lastmod>2025-07-18T10:41:11-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/practice-management/how-to-use-appendices-in-your-retirement-plan-service-agreement</loc><lastmod>2025-07-18T10:44:45-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/practice-management/four-reasons-to-consider-selling-retirement-plans</loc><lastmod>2025-09-16T10:03:25-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/practice-management/why-upgrading-from-simples-to-401-k-s-may-make-sense</loc><lastmod>2025-07-18T11:04:44-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/practice-management/three-tips-to-help-avoid-becoming-an-accidental-fiduciary</loc><lastmod>2025-07-03T08:57:42-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/practice-management/solve-a-retirement-plan-problem-to-win-over-prospects</loc><lastmod>2025-07-18T11:03:32-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/practice-management/three-tips-for-having-consultative-conversations-that-make-a-las</loc><lastmod>2023-01-12T14:14:38-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/practice-management/why-offer-intergenerational-financial-planning-</loc><lastmod>2023-03-16T10:35:35-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/practice-management/considering-simple-iras--simple-401-k--plans--or-seps--what-to-k</loc><lastmod>2025-07-18T11:02:01-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/practice-management/beefing-up-your-tpa-business--four-ingredients</loc><lastmod>2023-04-20T10:27:10-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/practice-management/secure-2-0-tax-credits--a-way-to-compete-with-state-retirement-p</loc><lastmod>2025-09-26T14:47:51-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/practice-management/livening-up-participant-education-with-social-media-like-ideas0</loc><lastmod>2026-03-16T16:19:56-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/practice-management/five-reasons-to-partner-with-a-tpa</loc><lastmod>2026-03-10T07:36:43-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/practice-management/six-things-plan-sponsors-want-to-know-about-your-firm</loc><lastmod>2025-07-18T10:20:20-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/practice-management/erisa-408-b--2--fee-disclosures-not-just-for-your-clients--retir</loc><lastmod>2025-09-16T10:00:42-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/practice-management/three-reasons-to-consider-integrating-ai-into-your-retirement-pr</loc><lastmod>2026-03-07T07:02:20-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/practice-management/six-tips-for-competing-with-robo-advisors</loc><lastmod>2025-09-16T10:21:23-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/practice-management/building-relationships-with-financial-professionals-five-tips-fo</loc><lastmod>2024-05-08T16:32:18-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/practice-management/why-401-k--payroll-integration-should-be-a-key-strategy-for-tpas</loc><lastmod>2024-06-17T16:36:22-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/practice-management/three-ways-to-help-enhance-your-tpa-firm-s-technology-strategy</loc><lastmod>2026-03-07T06:59:58-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/practice-management/retirement-planning-for-women-a-key-opportunity-for-financial-pr</loc><lastmod>2026-03-07T06:59:02-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/practice-management/how-to-use-artificial-intelligence-in-financial-planning</loc><lastmod>2026-03-07T06:57:59-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/practice-management/how-technology-can-help-retirees</loc><lastmod>2025-07-16T19:10:29-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/practice-management/the-unexpected-financial-impact-of-family-caregiving</loc><lastmod>2025-07-16T19:03:48-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/practice-management/planning-for-social-connections-is-key-to-thriving-in-retirement</loc><lastmod>2026-01-05T08:45:58-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/practice-management/four-talent-tips-for-tpas</loc><lastmod>2025-07-28T08:28:06-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/practice-management/are-your-plan-sponsors-happy-with-your-service--</loc><lastmod>2026-01-05T08:48:52-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/practice-management/three-key-financial-metrics-for-tpas-</loc><lastmod>2025-09-24T11:31:14-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/practice-management/what-are-the-benefits-of-working-with-a-tpa--</loc><lastmod>2026-03-07T06:53:32-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/practice-management/year-end-checklist--eight-tips-for-financial-professionals</loc><lastmod>2025-12-16T09:39:38-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/taft-hartley</loc><lastmod>2023-08-01T08:17:47-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/taft-hartley/taft-hartley-tips-adopting-daily-valuation-for-your-trustee-directed-defined-contribution-plan</loc><lastmod>2021-09-16T13:34:54-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/taft-hartley/Taft-Hartley-tips-adding-a-401k-plan-and-its-tools</loc><lastmod>2021-09-16T13:34:25-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/taft-hartley/Are-Taft-Hartley-plans-subject-to-ERISA</loc><lastmod>2022-07-11T16:53:02-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/taft-hartley/unions-and-taft-hartley-retirement-plans-show-their-value-in-tou</loc><lastmod>2021-09-16T13:36:55-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/taft-hartley/getting-the-most-from-your-union-retirement-plan</loc><lastmod>2022-07-11T14:58:34-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/taft-hartley/five-questions-to-ask-when-choosing-a-taft-hartley-retirement-pl</loc><lastmod>2024-12-20T10:51:17-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/taft-hartley/two-questions-to-answer-when-evaluating-your-retirement-plan-exp</loc><lastmod>2021-09-16T13:35:49-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/taft-hartley/how-to-take-a-taft-hartley-plan-from-trustee-to-member-directed</loc><lastmod>2021-12-10T09:48:14-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/taft-hartley/a-framework-for-evaluating-your-taft-hartley-plan</loc><lastmod>2022-03-04T07:56:46-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/taft-hartley/how-do-you-budget-with-an-inconsistent-income-</loc><lastmod>2022-08-12T09:28:25-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/taft-hartley/what-s-the-difference-between-multiemployer-and-multiple-employe</loc><lastmod>2023-08-24T11:46:23-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/taft-hartley/10-reasons-to-consider-leaving-your-retirement-savings-in-your-u</loc><lastmod>2026-03-10T07:19:29-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/taft-hartley/why-taft-hartley-plans-are-important-in-today-s-labor-market</loc><lastmod>2023-11-30T13:21:50-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/taft-hartley/what-kinds-of-retirement-plans-do-union-members-have--</loc><lastmod>2026-03-07T07:08:24-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/taft-hartley/four-key-questions-at-the-heart-of-a-taft-hartley-dc-plan-strate</loc><lastmod>2026-03-07T07:07:08-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/All-viewpoints</loc><lastmod>2024-12-20T09:45:26-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/plan-design</loc><lastmod>2023-08-01T11:29:45-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/plan-design/helping-participants-become-better-at-401-k--investing</loc><lastmod>2022-07-11T16:33:18-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/plan-design/four-questions-to-help-align-your-retirement-plan-strategy-with-</loc><lastmod>2021-09-22T17:37:09-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/plan-design/six-reasons-to-prioritize-digital-401-k--learning</loc><lastmod>2022-07-11T16:12:05-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/plan-design/evidence-based-ideas-for-your-next-401-k--plan-design-upgrade</loc><lastmod>2025-08-16T07:13:52-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/plan-design/Whats-a-401k-employee-census-for</loc><lastmod>2025-09-12T15:21:11-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/plan-design/five-low-cost-tips-for-your-company-s-401-k--plan-in-2021</loc><lastmod>2025-06-27T13:01:45-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/plan-design/is-there-relief-from-partial-plan-termination-during-the-pandemi</loc><lastmod>2022-07-11T14:46:04-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/plan-design/what-you-need-to-know-about-new-comparability-plans</loc><lastmod>2025-09-12T15:11:02-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/plan-design/three-data-driven-ways-to-improve-your-plan-s-retirement-readine</loc><lastmod>2025-08-16T08:08:40-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/plan-design/group-annuity-or-trust-company-which-is-better-for-a-401-k--plan</loc><lastmod>2025-09-12T15:30:16-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/plan-design/can-retirement-plan-participants-do-mega-backdoor-roth-401-k--ev</loc><lastmod>2025-09-12T15:14:00-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/plan-design/how-to-split-roth-and-traditional-401-k--automatic-enrollment-fo</loc><lastmod>2025-09-12T15:55:17-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/plan-design/what-s-a-safe-harbor-401-k--plan-</loc><lastmod>2025-09-12T15:05:38-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/plan-design/adding-a-nonqualified-deferred-compensation-plan-to-your-benefit</loc><lastmod>2025-09-12T15:35:04-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/plan-design/how-to-work-furloughed-or-rehired-employees-back-into-your-401-k</loc><lastmod>2025-09-12T15:24:19-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/plan-design/getting-started-with-401-k--problem-solving</loc><lastmod>2022-04-11T15:12:20-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/plan-design/a-framework-for-analyzing-401-k--plans-with-key-hce-populations</loc><lastmod>2026-03-09T15:29:50-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/plan-design/does-income-replacement-really-measure-retirement-readiness-</loc><lastmod>2025-07-16T19:18:07-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/plan-design/a-framework-for-designing-401-k--plans-to-support-m-a-deals</loc><lastmod>2022-06-24T14:20:12-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/plan-design/to-fund-or-not-to-fund-that-is-the-nonqualified-plan-question</loc><lastmod>2023-12-01T08:56:30-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/plan-design/is-a-nonqualified-plan-right-for-your-business-</loc><lastmod>2023-12-01T08:56:30-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/plan-design/where-retirees-are-moving-their-401-k--savings-and-how-to-help-t</loc><lastmod>2025-03-10T10:13:14-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/plan-design/what-s-a-cash-balance-plan--and-is-it-right-for-my-business-</loc><lastmod>2025-09-12T15:18:13-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/plan-design/steps-to-settingup-yoursmallbusiness-401-k-</loc><lastmod>2025-09-12T15:38:16-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/plan-design/three-steps-to-help-you-create-a-competitive-retirement-plan</loc><lastmod>2025-07-11T09:24:46-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/plan-design/a-trick-to-boosting-employee-engagement-in-your-retirement-plan</loc><lastmod>2023-03-21T10:37:53-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/plan-design/how-prepared-are-preretirees-on-their-journey-to-retirement-</loc><lastmod>2025-08-16T07:41:28-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/plan-design/fund-mapping-101--options-for-defined-contribution-plan-conversi</loc><lastmod>2025-09-12T15:27:02-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/plan-design/how-to-use-expense-projections-to-add-definition-to-retirement-r</loc><lastmod>2023-12-01T12:33:56-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/plan-design/how-to-track-retirement-readiness-with-income-replacement-ratios</loc><lastmod>2025-09-12T15:44:12-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/plan-design/how-to-use-investment-and-account-data-to-help-create-better-inv</loc><lastmod>2025-08-16T07:35:32-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/plan-design/how-participant-actions-can-help-or-hinder-their-retirement-savi</loc><lastmod>2025-09-12T15:58:38-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/plan-design/what-s-a-dynamic-qdia-and-how-might-it-help-participants-</loc><lastmod>2026-03-07T07:16:34-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/plan-design/five-ways-to-boost-your-retirement-plan-s-ability-to-help-retain</loc><lastmod>2026-03-07T07:15:12-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/plan-design/understanding-401-k--plan-sponsor-responsibilities-when-employee</loc><lastmod>2025-09-12T15:02:12-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/plan-design/how-we-can-make-retirement-plans-better</loc><lastmod>2025-09-12T15:48:09-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/plan-design/stretch-match-401-k--design--motivating-participants-to-save-mor</loc><lastmod>2026-03-07T07:12:44-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/plan-design/understanding-the-impact-of-the-federal-reserve-on-retirement-sa</loc><lastmod>2025-09-16T09:51:59-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/plan-design/helping-unlock-better-outcomes-with-effective-retirement-plan-de</loc><lastmod>2026-03-07T07:09:43-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/investing</loc><lastmod>2023-08-01T08:20:01-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/investing/whats-the-difference-between-stable-value-and-money-market-funds</loc><lastmod>2025-12-19T17:22:27-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/investing/seven-suggestions-for-designing-a-401-k--investment-menu</loc><lastmod>2025-12-19T17:17:20-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/investing/the-impact-of-covid-19-on-the-markets-and-401-k--balances-as-of-</loc><lastmod>2025-12-19T17:21:05-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/investing/what-s-a-cit--</loc><lastmod>2025-12-19T17:08:01-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/investing/active-or-passive-investing-choosing-the-right-one-for-your-reti</loc><lastmod>2025-07-14T16:16:21-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/investing/should-you-choose-a-target-date-or-target-risk-fund-in-your-401-</loc><lastmod>2025-12-19T17:13:46-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/investing/about-target-date-fund-glide-paths-a-key-to-asset-allocation-in-</loc><lastmod>2025-07-16T19:25:09-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/investing/three-reasons-stable-value-funds-can-withstand-rising-interest-r</loc><lastmod>2022-07-08T10:19:25-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/investing/evaluating-the-role-of-esg-investments-in-your-plan-lineup</loc><lastmod>2025-07-03T09:59:36-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/investing/esg-funds--place-in-the-retirement-plan-investment-lineup</loc><lastmod>2023-03-22T13:18:14-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/investing/what-are-subaccount-unit-values-and-mutual-fund-net-asset-values</loc><lastmod>2025-12-19T17:11:52-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/investing/three-reasons-cits-are-gaining-in-popularity</loc><lastmod>2025-12-19T17:19:25-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/investing/questions-to-consider-for-evaluating-proprietary-investment-opti</loc><lastmod>2025-07-18T10:22:42-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/investing/three-investment-themes-you-need-to-know-for-the-rest-of-2023</loc><lastmod>2024-06-13T04:39:03-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/investing/what-s-a-qdia-and-is-it-required-</loc><lastmod>2026-03-07T07:37:48-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/investing/why-co-manufactured-investment-products-may-be-the-future-of-tdf</loc><lastmod>2026-03-07T07:28:15-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/investing/europe-s-macro-revival-and-what-it-means-for-investors</loc><lastmod>2026-03-07T07:26:07-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/investing/asset-allocation-views-evolving-global-growth-and-regional-dynamics</loc><lastmod>2026-03-07T07:24:28-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/investing/ai-and-the-global-economy--into-the-great-wide-open</loc><lastmod>2026-02-12T13:05:15-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/investing/what-are-alternative-investments-</loc><lastmod>2026-03-07T07:19:19-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/investing/Realigning-the-approach-to-diversification-in-todays-complex-landscape</loc><lastmod>2026-03-07T07:18:04-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/viewpoints/investing/worried-the-middle-east-conflict-may-affect-your-savings--stay-f</loc><lastmod>2026-03-13T13:54:14-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/about-us</loc><lastmod>2025-06-09T15:24:47-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/about-us/press-releases</loc><lastmod>2022-05-30T08:50:52-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/about-us/press-releases/-john-hancock-to-expand-personal-advice-offering-with-morningsta</loc><lastmod>2021-09-27T10:26:18-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/about-us/press-releases/-john-hancock-to-expand-personal-advice-offering-with-morningsta/john-hancock-retirement-announces-partnership-with-vestwell--lau</loc><lastmod>2025-01-14T16:38:41-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/about-us/press-releases/john-hancock-wholesalers-once-again-recognized-as-top-providers-</loc><lastmod>2021-04-19T13:38:52-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/about-us/press-releases/john-hancock-upgrades-its-personalized-education-platform-throug</loc><lastmod>2021-09-27T10:27:20-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/about-us/press-releases/john-hancock-adds-alexa-skills-to-retirement-plan-participant-ex</loc><lastmod>2021-09-27T10:28:00-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/about-us/press-releases/john-hancock-appoints-heather-windjue-to-head-of-tpa-strategy-an</loc><lastmod>2022-05-16T11:21:21-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/about-us/press-releases/worry-while-you-work--employees-worrying-at-least-once-a-week-ab</loc><lastmod>2022-11-15T10:08:28-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/about-us/press-releases/john-hancock--cbs-sports-and-the-players--tribune-help-professio</loc><lastmod>2023-05-23T07:59:59-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/about-us/press-releases/john-hancock-introduces-new-retirement-planner-tool</loc><lastmod>2021-04-19T13:40:13-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/about-us/press-releases/john-hancock-retirement-launches-onboarding-resource-center-and-</loc><lastmod>2021-09-27T10:22:40-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/about-us/press-releases/john-hancock-selected-by-si-group-to-administer-retirement-plan</loc><lastmod>2024-07-26T04:26:02-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/about-us/press-releases/john-hancock-expands-financial-wellness-offering-to-include-emer</loc><lastmod>2021-09-27T10:30:06-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/about-us/press-releases/john-hancock-retirement-waives-recordkeeping-fees-for-q1-2021</loc><lastmod>2021-09-27T10:21:47-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/about-us/press-releases/john-hancock-retirement-selected-by-toray-group-for-recordkeepin</loc><lastmod>2020-09-09T12:30:51-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/about-us/press-releases/john-hancock-retirement-participants-maintain-steadfast-approach</loc><lastmod>2021-05-24T15:04:04-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/about-us/press-releases/15-john-hancock-wholesalers-recognized-as-advisor-allies-by-nati</loc><lastmod>2021-05-24T15:00:15-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/about-us/press-releases/working-americans-seek-advice-as-pandemic-increases-financial-st</loc><lastmod>2021-05-24T15:05:55-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/about-us/press-releases/john-hancock-retirement-announces-new-head-of-mid-large-market-d</loc><lastmod>2021-05-24T15:02:23-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/about-us/press-releases/john-hancock-retirement-state-of-the-participant-2021-study-high</loc><lastmod>2021-03-08T13:01:56-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/about-us/press-releases/john-hancock-retirement-debuts-plan-design-analysis-dashboard</loc><lastmod>2021-03-15T15:56:13-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/about-us/press-releases/john-hancock-retirement-expands-advice-program-to-all-401k-plans</loc><lastmod>2021-04-16T16:26:08-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/about-us/press-releases/sue-reibel-named-ceo-of-john-hancock-retirement</loc><lastmod>2021-06-02T08:37:11-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/about-us/press-releases/john-hancock-retirement-introduces-new-retirement-app-for-all-pa</loc><lastmod>2021-06-17T09:53:54-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/about-us/press-releases/15-john-hancock-wholesalers-recognized-as-2021-advisor-allies-by</loc><lastmod>2021-09-27T10:13:55-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/about-us/press-releases/john-hancock-s-retirement-planner-marks-first-year-of-use-with-2</loc><lastmod>2021-10-04T10:50:06-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/about-us/press-releases/john-hancock-retirement-celebrates-third-party-administrators-wi</loc><lastmod>2021-10-18T16:22:20-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/about-us/press-releases/john-hancock-retirement-brings-signature-fiduciary-connect-to-pl</loc><lastmod>2021-11-22T15:29:42-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/about-us/press-releases/new-john-hancock-retirement-report-reveals-surprising-contradict</loc><lastmod>2022-01-11T10:37:24-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/about-us/press-releases/john-hancock-retirement-s-latest-state-of-the-participant-report</loc><lastmod>2022-06-15T15:00:22-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/about-us/press-releases/john-hancock-wholesalers-again-recognized-among-the-top-provider</loc><lastmod>2022-07-12T08:29:08-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/about-us/press-releases/john-hancock-retirement-launches-prospect-finder-tool-for-financ</loc><lastmod>2022-07-27T09:22:14-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/about-us/press-releases/john-hancock-retirement-selects-wayne-park-as-new-ceo-bringing-d</loc><lastmod>2023-03-28T08:34:54-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/about-us/press-releases/new-john-hancock-retirement-report-finds-sharp-declines-in-finan</loc><lastmod>2023-04-18T10:03:09-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/about-us/press-releases/john-hancock-retirement-launches-dynamic-default-investment-feat</loc><lastmod>2023-05-30T10:58:02-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/about-us/press-releases/john-hancock-retirement-announces-updates-to-sales-and-service-m</loc><lastmod>2024-02-01T14:44:32-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/about-us/press-releases/manulife-john-hancock-enters-five-year-multimillion-dollar-research-collaboration-with-mit-agelab-to-drive-longevity-innovation-and-research</loc><lastmod>2025-06-04T09:02:07-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/about-us/press-releases/new-john-hancock-retirement-report-shares-insights-across-generations-on-overall-preparedness-and-financial-resilience-as-longevity-increases</loc><lastmod>2024-11-05T15:46:09-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/about-us/press-releases/john-hancock-retirement-announces-partnership-with-vestwell--lau</loc><lastmod>2025-01-14T16:51:40-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/about-us/press-releases/john-hancock-retirement-introduces-futurechoice-to-offer-a-new-suite-of-advisor-centric-solutions</loc><lastmod>2025-03-18T16:04:02-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/about-us/press-releases/jhim-and-jh-retirement-evolve-brands-to-reflect-broader-capabilities-of-manulifes-global-wealth-and-asset-management-platform</loc><lastmod>2025-04-08T15:04:21-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/about-us/press-releases/manulife-john-hancock-releases-new-retirement-report-with-insights-on-preparing-for-a-better-40-year-retirement-journey</loc><lastmod>2025-11-19T17:09:47-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/about-us/a-proven-leader-</loc><lastmod>2026-01-20T05:31:44-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/financial-professional-resources</loc><lastmod>2025-12-05T10:02:45-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/contact-us</loc><lastmod>2026-03-26T10:36:05-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/login</loc><lastmod>2022-07-13T09:02:32-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/financial-stress-survey</loc><lastmod>2025-11-24T08:15:48-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/john-hancock-stable-value-fund</loc><lastmod>2022-03-30T13:54:18-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/legislative-webinars</loc><lastmod>2026-03-16T10:27:16-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/retirement-readiness</loc><lastmod>2025-01-31T15:42:56-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/market-volatility</loc><lastmod>2026-03-13T16:20:08-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/exercise-and-mindfulness-worksheet</loc><lastmod>2020-11-03T08:50:26-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/education-resources</loc><lastmod>2025-03-17T14:08:48-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/m-a-form</loc><lastmod>2025-03-17T14:01:30-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/fiduciary-services</loc><lastmod>2025-12-16T07:29:38-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/fiduciary-services/investment-and-fees</loc><lastmod>2022-05-23T17:32:14-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/fiduciary-services/legislative-updates</loc><lastmod>2022-10-27T12:02:47-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/fiduciary-services/cybersecurity</loc><lastmod>2021-06-17T13:48:00-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/fiduciary-services/Q-and-A</loc><lastmod>2025-06-13T10:02:53-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/forms/pam</loc><lastmod>2021-10-04T08:43:53-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/forms/payroll-poll-internal-administration</loc><lastmod>2022-04-07T08:53:20-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/forms/payroll-poll-external-vendor</loc><lastmod>2022-04-07T08:53:40-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/forms/online-beneficiary-designation-service</loc><lastmod>2022-04-19T09:41:56-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/b2b/spanish-language-capabilities</loc><lastmod>2024-12-18T16:37:28-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/b2b/state-facilitated-retirement-plans</loc><lastmod>2026-01-09T11:28:42-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/b2b/state-facilitated-retirement-plans/california-calsavers</loc><lastmod>2024-12-18T16:40:28-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/b2b/state-facilitated-retirement-plans/colorado-secure-savings-program</loc><lastmod>2024-12-18T16:48:37-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/b2b/state-facilitated-retirement-plans/connecticut-retirement-security-authority</loc><lastmod>2024-12-19T13:17:04-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/b2b/state-facilitated-retirement-plans/illinois-secure-choice</loc><lastmod>2024-12-19T14:30:17-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/b2b/state-facilitated-retirement-plans/maine-retirement-savings-program</loc><lastmod>2024-12-19T14:32:23-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/b2b/state-facilitated-retirement-plans/maryland-small-business-retirement-savings-program</loc><lastmod>2024-12-19T15:12:56-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/b2b/state-facilitated-retirement-plans/massachusetts-defined-contribution-core-plan</loc><lastmod>2024-12-19T15:20:24-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/b2b/state-facilitated-retirement-plans/new-jersey-secure-choice-savings-program</loc><lastmod>2024-12-19T15:31:36-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/b2b/state-facilitated-retirement-plans/new-york-state-secure-choice-savings-program</loc><lastmod>2026-01-09T11:33:39-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/b2b/state-facilitated-retirement-plans/oregon-oregonsaves</loc><lastmod>2024-12-19T15:59:45-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/b2b/state-facilitated-retirement-plans/vt-saves-program</loc><lastmod>2025-05-01T11:33:26-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/b2b/state-facilitated-retirement-plans/virginia-state-facilitated-ira-savings-program</loc><lastmod>2024-12-19T16:10:31-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/b2b/state-facilitated-retirement-plans/washington-small-business-retirement-marketplace</loc><lastmod>2025-01-28T11:07:56-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/b2b/state-facilitated-retirement-plans/seattle-retirement-savings-plan</loc><lastmod>2024-12-19T16:06:53-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/b2b/state-facilitated-retirement-plans/city-of-new-york-savings-access-new-york-retirement-program</loc><lastmod>2024-12-18T16:43:56-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/b2b/state-facilitated-retirement-plans/new-mexico-work-and-save-program</loc><lastmod>2024-12-19T15:35:35-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/b2b/state-facilitated-retirement-plans/hawaii-retirement-savings-program</loc><lastmod>2024-12-19T14:01:13-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/b2b/state-facilitated-retirement-plans/minnesota-secure-choice-retirement-program</loc><lastmod>2026-01-09T11:30:37-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/b2b/state-facilitated-retirement-plans/nevada-employee-savings-trust-program</loc><lastmod>2024-12-19T15:27:11-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/b2b/divisional-sales-teams</loc><lastmod>2022-05-20T14:53:57-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/b2b/divisional-sales-teams/mid-large-market</loc><lastmod>2025-08-29T11:21:21-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/b2b/divisional-sales-teams/Southeast-division</loc><lastmod>2026-02-24T12:06:42-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/b2b/Helping-with-SECURE-Act-2</loc><lastmod>2026-03-23T08:06:22-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/b2b/enrollment-experience</loc><lastmod>2023-04-22T08:41:24-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/b2b/john-hancock-personalized-retirement-advice</loc><lastmod>2023-04-26T10:12:41-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/b2b/consolidation-services</loc><lastmod>2025-10-02T11:51:57-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/b2b/its-about-time-2024</loc><lastmod>2025-07-24T08:28:01-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/b2b/u-s-economic-outlook</loc><lastmod>2024-08-16T10:41:17-04:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/b2b/its-about-time-prior-year</loc><lastmod>2025-12-22T08:09:17-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/b2b/macro-themes-2025</loc><lastmod>2025-01-31T08:39:57-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/b2b/small-business-retirement-plans</loc><lastmod>2025-11-12T06:31:01-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/b2b/longevity</loc><lastmod>2026-02-17T17:09:30-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/b2b/prepare-for-a-better-retirement</loc><lastmod>2026-01-05T16:32:57-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/b2b/its-about-time-landing-page</loc><lastmod>2026-01-23T11:38:40-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/longevity-shortfall-risk</loc><lastmod>2025-03-06T17:14:11-05:00</lastmod></url><url><loc>https://retirement.johnhancock.com/us/en/search</loc><lastmod>2025-12-22T10:45:27-05:00</lastmod></url></urlset>