When's the best time to contribute to your IRA?

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

There is no guarantee that any investment strategy will achieve its objectives.

John Hancock Retirement Plan Services LLC provides administrative and/or recordkeeping services to sponsorsor administrators of retirement plans through an open-architecture platform. John Hancock Trust Company LLC,a New Hampshire non-depository trust company, provides trust and custodial services to such plans, offers anIndividual Retirement Accounts product, and maintains specific Collective Investment Trusts.

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 theJohn Hancock brand name.

Each entity makes available a platform of investment alternatives to sponsors or administrators of retirementplans without regard to the individualized needs of any plan. Unless otherwise specifically stated in writing, eachentity does not, and is not undertaking to, provide impartial investment advice or give advice in a fiduciarycapacity. Securities are offered through John Hancock Distributors LLC, member FINRA, SIPC.

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

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