Provide for Your Future

• Consider whether an annuity could be beneficial for your retirement income planning.
• Review your life insurance situation to help protect your family’s dreams.
  
  

DID YOU KNOW?

There is a $15.3 trillion estimated unmet life insurance need in the United States. By periodically reviewing your life insurance situation, you can help ensure that your family will be covered if something happens to you.¹

Create a Financial Plan

• Identify your goals.
• Prioritize your goals.
• Consider the timing and frequency of your goals.
• Review your goals.
  
  

DID YOU KNOW?

The average American worker fails to use half of his or her allotted vacation days every year. Make summer vacation a priority. Creating a financial plan will help you incorporate an annual summer vacation as part of a sustainable lifestyle.²

Understand 529 Plans

• Learn the benefits of a 529 Plan.
• Determine what education expenses can be covered by a 529 Plan.
• Assess how tuition assistance will impact the use of a 529 Plan.
• Discuss with a tax professional how a 529 Plan relates to the American Opportunity Credit and Lifetime Learning Credit.
  
  

DID YOU KNOW?

67% of people who are saving for college are not using a 529 Plan. These people are missing out on valuable tax benefits.³

Plan for the Costs of Your Child’s College Education

• Estimate future college costs.
• Consider how much you plan to save.
• Consider how much you or your child will need to borrow.
• Learn about the various loan options available.
  
  

DID YOU KNOW?

41% of families do not have a plan to pay for college. By creating a plan now, you may be able to maximize savings and minimize debt.³









Investors should consider carefully the investment objectives, risks, and charges and expenses associated with a 529 Plan before investing or sending money.The official program offering statement, which includes information on municipal fund securities, is available from your Financial Advisor and should be read carefully before investing. The value of a 529 account may fluctuate, and there is no guarantee that any investment portfolio will achieve the stated goal. Your investment may be worth more or less than its original value.