It's about time
Helping participants make the most of your retirement plan with our personalized participant engagement program
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Enrollment
Motivating nonparticipating employees to enroll and start saving
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Onboarding
Educating participants about available plan features and benefits during their first year of saving
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Retirement readiness
Encouraging participants to take steps to help reach their goals and maximize their retirement savings
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Planning
Providing resources and suggested actions to help participants strengthen their financial health
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Welcome email for registered participant accounts Welcome email for unregistered participant accounts Registration reminder for unregistered participant accountsWelcome and online account registration
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Consolidations emailCombining retirement accounts2
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Personalized strategy emailPersonalizing their strategy with our retirement planner3
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Participant advice awareness email How to learn more email Advice reminder emailGetting personalized retirement advice4
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Beneficiary email—plans with online beneficiary designations Beneficiary email—plans without online beneficiary designationsNaming beneficiaries to pass on their retirement account
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And participants are getting the message
46% of the newly enrolled participants who received these communications engaged with the campaign5
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Financial well-being quarterly
Every quarter, participants receive personalized financial wellness support based on their age, available plan features, and digital behaviors. The personalized outreach includes helpful tips and education that they can put to work right away.
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Journey-based participant outreach1
We send personalized emails that can help drive retirement readiness by helping:
- Eligible and active participants get their retirement goals on track
- Preretirees (age 50+) make the most of their time left to save and their time in retirement
- Participants understand the planning tools and services available in your plan
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View our 2023 calendar of events
Live webinars
Our retirement specialists host a series of workshops throughout the year to help participants plan for tomorrow while meeting their current financial needs.
Planning for the year ahead
The start of the new year is the perfect time for participants to take stock of their finances and make a plan to stay on track.
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Read our Q1 financial well-being quarterly
January
1/24/23–2/10/23
Financial well-being quarterly
Topics: Setting goals, managing a budget, saving for emergencies and retirement, and taking time for you
On-demand education: Maximizing your investment portfolios
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Engage email Engage email (contributory Taft Hartley plans) Save more email Plan email Retirement Advice announcement email Retirement Advice retirement readiness email Retirement Advice reminder email
March
3/7/23–3/17/23
Journey-based participant outreach1
Nudges participants to start saving, save more, or consider personalizing their retirement strategy based on their needs
Encourages participants with access to John Hancock Personalized Retirement Advice to see their personalized projected benefits4
Financial literacy and health
Building financial literacy can help participants make more informed decisions about their financial health and ease their stress.
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Read our Q2 financial well-being quarterly
April
4/25/23–5/12/23
Financial well-being quarterly
Topics: Smart money moves and strategies for managing debt
On-demand education: Understanding the stock market
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Engage email Engage email (contributory Taft Hartley plans) Save more email Plan email
June
6/5/23–6/23/23
Journey-based participant outreach1
Nudges participants to start saving, save more, or consider personalizing their retirement strategy based on their needs
Encourages participants with access to John Hancock Personalized Retirement Advice to see their personalized projected benefits4
Checking in on your financial independence
Life happens. Financial markets fluctuate. Annual reviews help participants assess progress on their goals and make adjustments to keep moving forward.
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Read our Q3 financial well-being quarterly
July
7/25/23–8/18/23
Financial well-being quarterly
Topics: Tracking your progress and projecting your income needs in retirement
On-demand education: Retirement planning
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Engage email Engage email (contributory Taft Hartley plans) Save more email Plan email
September
9/5/23–9/18/23
Journey-based participant outreach1
Nudges participants to start saving, save more, or consider personalizing their retirement strategy based on their needs
Finishing the year strong
The end of the year can be hectic, but there's still time for participants to make progress on their financial goals.
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Read our Q4 financial wellbeing quarterly
October
10/24/23–11/17/23
Financial well-being quarterly
Topics: Tips for year-end success and budgeting for the holidays
On-demand education: Cybersafety
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December
Holiday break
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Goal setting video (English) Goal setting video (Spanish) Goal setting flyer (English) Goal setting flyer (Spanish)
Q1
Week of 2/13/23
Flyer, presentation, and more to help you promote goal setting and creating a plan for 2023.
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Presentation (English) Presentation (Spanish) Flyer, participants under age 50 (English) Flyer, participants ages 50+ (English) Flyer, participants under age 50 (Spanish) Flyer, participants ages 50+ (Spanish)
Q2
Week of 5/15/23
Flyer, presentation, and more that contain tips to help break the cycle of stress when it comes to finances
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Interactive financial wellness brochure Ready to use open enrollment content National 401(k) Day campaign
Q3
Week of 8/28/23
Ready-to-use content for both National 401(k) Day and open enrollment to help you reinforce the importance of your retirement plan
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Q4
Holiday break
Resources to help participants understand key financial wellness topics
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Interactive financial wellness brochure Breaking the cycle of stress presentation Health and wealth video
Well-being
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Estate planning basics brochure Preparing for the expected and unexpected presentation
Estate planning
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Saving versus investing interactive video Rate of return video Rebalancing your investments video
Investing
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Go to our market volatility resources page
Market volatility
We believe in the power of a plan
We help participants plug into the power of your retirement plan through consistent and holistic personalized support and engagement.
1 Messaging is tailored to participants based on age (under or over age 50), plan status (active or terminated with account balance), and other factors. Not all participants will receive all messages. 2 As other options are available such as leaving it in their old plan, rolling over to an IRA, or cashing out, participants are encouraged to review all their options to determine if combining retirement accounts is suitable for them. 3 The projected retirement income estimates for your current 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. 4 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. 5 Email open rate from 5/10/22 to 11/18/22, John Hancock internal data.
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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