Education Center

   As you prepare for our initial meeting, consider the topics

discussed in these brief summaries and how they relate to your

long- and short-term financial goals.



Making Your Retirement Everything You Dreamed It Would Be



   Imagine waking up on your first day of retirement. What will

you do all day? Play golf? Romp with the grandkids? Go sailing

or take a trip? You'll need a plan to turn your dreams into

reality. On that first morning, you'll want to awaken to a retirement

lifestyle that is as comfortable, or more, as when you were

at the peak of your career.



Planning a Legacy for Loved Ones



   After decades of working hard, saving, and investing, it's

common to want to share what you've accumulated with those around

you. If you are one of millions of Americans who are concerned

about leaving something to family members or a favorite charity,

now is the time to begin planning your legacy. Employing the

appropriate giving strategies now may help increase the value

of your gifts both to yourself and your intended heirs.



Educating Your Children



   If you have children and you want them to attend college, the

first day of classes will be here sooner than you expected.

When that day comes, you'll likely face one of two scenarios.

It could be that you'll wave good-bye as your child's car pulls

out of the driveway packed with school supplies and dorm furniture,

knowing that you've planned well for the expenses — expected

or otherwise — that the next four years are certain to bring.



   Or you could wave good-bye with a lump in your throat, wondering

if the next four years will be filled with loan applications,

financial aid requests, and the specter of having to scrimp

and save to make each tuition payment.



   Fortunately, John Hancock and its subsidiaries offer a selection

of products to help you avoid the second scenario. We understand

how important it is to you to educate your children, and we

are committed to helping you meet that goal.



Protecting Your Home



   Part of the American Dream is to own a house. But having a

home that you work to make a special place, where you raise

a family and spend your happiest moments, is much more than

just having a roof over your head. It's a major financial commitment

to own and maintain a home, so it's important to think of it

as one of your most important investments — one that needs to

be protected. Planning to safeguard your investment in your

home is critical to help ensure it will be there to protect

your family for years to come.



   One way to help ensure your family can pay off the mortgage

if something should ever happen to you is to consider insurance

products for mortgage protection. The death benefit from the

appropriate Permanent Life or Term Life insurance policy can

help your family retire the mortgage and help preserve their

current lifestyle and their dreams for the future. Protecting

your family's future now may help you put your fears to rest

so you can focus on living like you want to.



   There are many financial products and services out there to

choose from. As a John Hancock agent, I can help you decide which

are most appropriate for your situation and help you make adjustments

as your needs change in the future.