Financial well-being quarterly

Q1 2024

Kick off 2024 on the right financial foot

Have you promised yourself that this is the year you’ll improve your financial well-being? You’ll find the tools and resources you need to get started at myplan.johnhancock.com, including our retirement planner,1 My Learning Center, and personal finance organizer.2 Be sure to read the “Building a better you” flyer for tips to help you make steady progress on your goal.

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Boost your financial know-how with our upcoming webinar

Tax planning strategies for your savings—The way you save can affect your taxes before and after retirement. Get practical tips to help you avoid tax penalties, maximize deductions, and make the most of your savings.

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Getting started with investing—A new home. Retirement. Your children’s education. These are just a few of the things you may be saving for. Join us to learn the basics of investing and factors to consider to help you reach your goals.

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Get help making financial decisions

You don’t have to navigate the path to retirement alone. Our team of specialists can help you understand and evaluate your options based on your financial needs and goals—now and through retirement.

Check out the help you can receive

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1 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, and 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. All investments carry a degree of risk, and past performance is not a guarantee of future results. Due to market fluctuations and other factors, it is possible that investment objectives may not be met. 2 If offered by your plan.

For complete information about a particular investment option, please read the fund prospectus. You should carefully consider the objectives, risks, charges and expenses before investing. The prospectus contains this and other important information about the investment option and investment company. Please read the prospectus carefully before you invest or send money. Prospectus may only be available in English.

The content of this document is for general information only and is believed to be accurate and reliable as of the posting date but may be subject to change. It is not intended to provide investment, tax, plan design, or legal advice (unless otherwise indicated). Please consult your own independent advisor as to any investment, tax, or legal statements made.

John Hancock Personal Financial Services, LLC is an SEC registered investment adviser. John Hancock Personal Financial Services, LLC, 200 Berkeley Street, Boston, MA 02116.

John Hancock Retirement Plan Services LLC provides administrative and/or recordkeeping services to sponsors or administrators of retirement plans through an open-architecture platform. John Hancock Trust Company LLC provides trust and custodial services to such plans. Group annuity contracts and recordkeeping agreements are issued by John Hancock Life Insurance Company (U.S.A.), Boston, MA (not licensed in NY), and John Hancock Life Insurance Company of New York, Valhalla, NY. Product features and availability may differ by state. All entities do business under certain instances using the John Hancock brand name. Each entity makes available a platform of investment alternatives to sponsors or administrators of retirement plans without regard to the individualized needs of any plan. Unless otherwise specifically stated in writing, each entity does not, and is not undertaking to, provide impartial investment advice or give advice in a fiduciary capacity. Securities are offered through John Hancock Distributors LLC, member FINRA, SIPC.

NOT FDIC INSURED. MAY LOSE VALUE. NOT BANK GUARANTEED.

© 2024 John Hancock. All rights reserved.

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