Starting a Family
It's an exciting and exhilarating time—it also brings new financial challenges and requires more long-term projections and strategic planning.
How can you protect your family?
College Savings
By starting early, you can increase your potential to grow your savings and pay for a child's future college education. With a 529 account, you receive immediate benefits and provide your child with a gift that will never be outgrown.
You Can Talk To Your Adviser About…
- How to start saving for a child's college education by opening a 529 account.
- How to immediately benefit from tax-deferred growth on your earnings and the ability to choose from a wide range of investment options with a 529 college savings plan.
Life Insurance
It's always important to have protection from the unknown, which is exactly what life insurance provides. As you start a family, you want to protect your loved ones and life insurance can be at the core of a solid protection plan.
You Can Talk To Your Adviser About…
- How life insurance provides money to your loved ones you leave behind and enables them to maintain their lifestyle and pursue their goals.
- How to make sense of the different life insurance options and find the product that best matches your needs and goals.
Mutual Funds
There is a broad assortment of mutual funds to consider from stock funds that pursue long-term growth opportunities, but typically swing up and down in the short-term, to bond funds that are designed to provide a degree of stability to your investment portfolio.
You Can Talk To Your Adviser About…
- The role of growth-focused mutual funds for your longer-term goals—from buying a second home to maintaining the quality of your life in retirement.
- The need for more conservative mutual funds, such as bond and money market funds, that can help you pursue diverse goals—from minimizing taxes to maintaining the value of your savings.
How John Hancock Can Help: Dan's Story
Dan
When Jenny and I found out we're having a baby, I said, "What do we do first?"
Dan and his wife
Jenny said, "Talk to Carl," our financial adviser. We want to increase our savings and buy a new home in two years…and get life insurance policy and everything else we need to get.
Dan and his financial adviser
Carl put together a strategy so we could increase our savings and buy a new home in two years. We purchased life insurance right away and even opened a 529 account. Now, that's a plan!
Dan's story is a hypothetical situation.
Financial Solutions
Where Do I Begin?
What if you could automatically view an array of mutual funds that match your comfort level with investment risk? Wouldn't that make the decision-making process easier? Use our tool to do just that.
College Cost Estimator
Use our College Cost Calculator to estimate higher education expenses and see the projected future value of investments. It's remarkably easy to benefit from and use this calculator.
Products To Help With Starting A Family
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.
--------------------------------------------------------------------------------------------------------------------------------------------------------------------Insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY 10595.
--------------------------------------------------------------------------------------------------------------------------------------------------------------------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.