Personalized engagement program
Through proactive communications, we engage, educate, and encourage your workforce to achieve better financial outcomes.
Overview
A program built for every individual
Everyone’s retirement journey is unique, and our award-winning1 engagement program—available at no cost to you—reflects that. We use plan and participant data to tailor our messages based on where each participant is on their path today.
Participant touch points
Inspiring action
Throughout the year, participants receive relevant emails with personalized suggestions2 to help them reach their financial goals, along with support timed around key events and decisions. Our unique approach promotes actions that can lead to higher participation rates, increased contributions, and better retirement readiness. Keep scrolling to dive into the details.
Year one onboarding
A series of emails highlighting plan features and resources to help new participants get off to a good start saving
Journey-based outreach3
Emails tailored to each generation with suggested actions based on the progress they’re making on their goals
Achieving retirement balance
Personalized nudges for people age 50 and older to help them make a smooth transition from saving to retirement income
Quarterly newsletter
Personalized financial wellness support based on age, plan status, available plan features, and digital behaviors
Live and on-demand webinars
Workshops hosted by our retirement specialists to help participants plan for tomorrow while meeting their current needs
Making an impact
Our 2025 targeted outreach to nonparticipants inspired 1,300 individuals to enroll, with an average contribution rate of 7.6%4
Year one onboarding
Explore how we connect with new participants, encouraging them to make the most of your retirement plan.
Registering their account
Getting personalized retirement advice7
Naming beneficiaries
Driving better outcomes
63% of newly enrolled participants who received these communications engaged with our onboarding program.8
Wealthy and healthy in 2026
Boosting your well-being today for better tomorrows
January
1/27/26-2/13/26
Quarterly newsletter
Check back during the quarter for sample
March
3/10/26-3/20/26
Journey-based outreach3
Check back during the quarter for samples
Simplify and organize
Spring clean your finances for easier money management
April
4/28/26-5/15/26
Quarterly newsletter
Check back during the quarter for sample
June
6/9/26-6/19/26
Journey-based outreach3
Check back during the quarter for samples
Reflect and recharge
Hot tips and cool ideas to help participants save
July
7/28/26-8/14/26
Quarterly newsletter
Check back during the quarter for sample
September
9/8/26-9/18/26
Journey-based outreach3
Check back during the quarter for sample
Protect and prepare your finances
Simple steps to help participants secure their financial future
October
10/27/26–11/13/26
Quarterly newsletter
Check back during the quarter for sample
December
Holiday Break
Additional journey-based outreach to encourage proactive planning
Plan sponsor resources
A program powered by partnership
Your support is key to the success of our program. We offer a variety of resources to help you reinforce positive saving and planning behaviors.
Campaign-specific resources
Materials for you to share with participants to support our quarterly initiatives
Coming soon
Digital library
Ready-to-go resources covering common financial wellness and retirement topics
Viewpoints
Timely and informative articles to help participants plan and save for retirement
Reporting
Insight to help you evaluate participant engagement and plan health
Your Manulife John Hancock representative can create these detailed reports on request to help you understand how your plan is doing.
Learn more about how we help participants confidently save and invest for their retirement goals.
1 “2024 Wealth Management Industry Awards, the Wealthies,” best 401(k) service in the retirement plan support and advisor services category, 2024. 2 Actions to consider based on plan design and participant need. 3 Messaging is tailored to participants based on age (generation), plan status (active or terminated with account balance), and other factors. Not all participants will receive all messages. 4 Internal Manulife John Hancock data as of 9/30/25. 5 As other options are available, participants are encouraged to review whether consolidating accounts, staying in a retirement plan, rolling over into an IRA, or another option is best, as there are advantages and disadvantages to each. 6 The projected retirement income estimates for your current Manulife John Hancock accounts, future contributions, employer contributions (if applicable), and other accounts set aside for retirement used in this calculator are hypothetical, for illustrative purposes only, and do not constitute investment advice. Results are not guaranteed and do not represent the current or future performance of any specific account or investment. Due to market fluctuations and other factors, it is possible that investment objectives may not be met. Investing involves risks, and past performance does not guarantee future results. 7 Subject to plan availability. Participation in John Hancock Personalized Retirement Advice (Retirement Advice) does not guarantee investment success. Investing involves risks, including the potential loss of principal. Fees for this service are based on a tiered schedule and vary by account balance. For more information, consult the Retirement Advice investment advisory agreement. John Hancock Personal Financial Services, LLC (JHPFS), an SEC registered investment adviser and affiliate of John Hancock Retirement Plan Services LLC (JHRPS), is the investment manager of the Retirement Advice program. JHPFS has selected Morningstar Investment Management LLC, a registered investment adviser and wholly owned subsidiary of Morningstar, Inc., to act as the independent financial expert (as defined in the U.S. Department of Labor’s Advisory Opinion 2001-09A) for Retirement Advice. JHPFS monitors Morningstar Investment Management’s performance. Morningstar Investment Management LLC is not affiliated with JHRPS, JHPFS, or affiliates. JHPFS acts as a fiduciary with respect to the management of Retirement Advice investments. 8 John Hancock internal data as of 9/20/24. Of the 491,705 total participants onboarded since program inception in 2021, 310,406 opened/clicked on the communications.
Important disclosures
Important disclosures
John Hancock Personal Financial Services, LLC is an SEC registered investment adviser. John Hancock Personal Financial Services, LLC, 200 Berkeley Street, Boston, MA 02116.
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