Editions
Financial well-being quarterly
Q2 2024
Start planning today to help lower your 2024 taxes
Now that you’ve filed your 2023 tax return, it’s time to start planning ahead for 2024—and a good place to start is with your retirement savings. Any pretax contributions you put into a traditional IRA or your retirement plan (if you’re able to contribute) could help lower your taxable income. Use our retirement planner1 to see the potential tax savings.
Make the most of your tax refund and bonus
Your tax refund and bonus can be good sources of money to help you improve your financial well-being. But is it better to use this extra cash to build your savings or pay down debt? Get tips and strategies at our upcoming webinar to help you decide.
Build your financial know-how to help you make smart money decisions
From the groceries we buy to when we decide to retire, most of our decisions involve money, so it’s important to have a basic understanding of financial concepts, the economy, and the stock market. Check out our financial well-being video to learn about the resources available through your retirement account to help you make smart money moves.
Help your kids develop smart money habits
While you’re working on building your financial know-how, why not get your kids involved? It’s never too early—or too late—for them to develop smart money habits. We have age-appropriate tips to help you initiate the conversation.
Simplify your retirement with one account
If you’ve been working for a while, you likely have multiple retirement plans from past employers or IRAs. Combining all these accounts2 into your retirement account with John Hancock can help make it easier for you to track your savings. Our team of specialists is here—at no additional cost—to help guide you through the process.
Manage your account on the go
Download John Hancock’s retirement app today
Important disclosures
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, 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. 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. 2 As other options are available, you 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.
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.
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