Maximizing Your Financial Assets

With three kids to put through college, it was important for Melissa to maximize her financial assets—learn more about how she did it.

How can you maximize your investments?





College Savings

Paying for your children's college education can seem daunting but with early planning and smart investing, you may be surprised at how much you can accomplish. With a 529 college savings plan, you get tax-deferred growth on earnings while you save and the result can be quite significant

You Can Talk To Your Adviser About…


Mutual Funds

Considering the number of mutual funds that are available, it's highly likely that you'll be able to select funds that match your goals, time frame and risk tolerance level among other factors. The key is to get expert advice and ongoing guidance—that's where a financial adviser can help you make sense of the myriad of options and monitor your progress.


Retirement

Americans are living longer, active and healthier lives. However, unlike previous generations, most Americans can no longer rely on pensions or Social Security alone. They have to take control of their financial futures and plan for a retirement that could last 25 or 30 years—even longer.


How John Hancock Can Help: Melissa's Story


Melissa Melissa
< It took a lot of money and hard work to put my three children through college.

Melissa and kids at celebration Melissa and kids at celebration
< I just wrote my final tuition check and we celebrated! Now I can plan on spending some money on myself and a long retirement. I know my adviser will help me make the most of my money.

Melissa and her financial adviser Melissa and her financial adviser
< Thanks to my adviser, I opened 529 College Savings plans early on. He also urged me to contribute the maximum to my 401(k) and invest in funds outside my plan. I'm so glad I did.

Melissa's story is a hypothetical situation.

Financial Solutions

Where Do I Begin?

It's remarkably easy to estimate how much money your children are likely to need. Connect to our College Cost Calculator, project college costs and take the first step in creating a realistic college savings plan.

College Cost Calculator

Products To Help With Maximizing Your Financial Assets

College Savings College Savings

Start saving now to give the greatest gift—of education—to a child.

Learn more »
Mutual Funds Mutual Funds

Choose from a wide range of options to match your goals, timeframe and comfort level with investment risk.

Learn more »
If your state or your designated Beneficiary's state offers a 529 plan you may want to consider what, if any, potential state income tax or other benefits it offers, before investing. State tax or other benefits should be one of many factors to be considered prior to making an investment decision. Please consult with your financial, tax or other adviser about how these state benefits, if any, may apply to your specific circumstances. You may also contact your state 529 plan or any other 529 college savings plan to learn more about their features. Please contact your financial consultant or call 1-866-222-7498 to obtain a Plan Disclosure Document or prospectus for any of the underlying funds. The Plan Disclosure Document contains complete details on investment objectives, risks, fees, charges and expenses, as well as more information about municipal fund securities and the underlying investment companies that should be considered before investing. Please read the Plan Disclosure Document carefully prior to investing.

John Hancock Freedom 529 is a college savings plan offered by the Education Trust of Alaska, managed by T. Rowe Price, and distributed by John Hancock Distributors LLC through other broker/dealers that have a selling agreement with John Hancock Distributors LLC. John Hancock Distributors LLC is a member of Financial Industry Regulatory Authority (FINRA) www.Finra.org, formerly NASD, and is listed with the Municipal Securities Rulemaking Board (MSRB). © 2008. John Hancock. All rights reserved.

529 plans are not FDIC insured, may lose value and are not bank or state guaranteed.

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A fund's investment objectives, risks, charges and expenses should be considered carefully before investing. The prospectus contains this and other important information about the fund. Please read the prospectus carefully before investing or sending money. These products are available for sale only within the United States.