10 Proven strategies for financial success.

1. Ray Castaldi, CLU, ChFC President-Castaldi Financial Solutions

5. Strategy #2 Make life simpler for yourself. Complete these worksheets and keep them updated and easily located.

13. Strategy #6: Invest for the long term Source: ENCORR Software, © 2008 Morningstar, Inc. All rights reserved. Used with permission. This information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. Stocks are represented by the Standard & Poor’s 500 Stock Index, an unmanaged, commonly used measure of common stock total return performance. It is composed of 500 widely held common stocks listed on the NYSE, AMEX and OTC markets. Corporate bonds are represented by the Ibbotson U.S. Long-Term Corporate Bond Index, an unmanaged index representing long-term high-grade corporate bonds, with at least 10 years to maturity. Long-term government bonds are represented by the Ibbotson U.S. Long-Term Government Bond Index, an unmanaged index of public organizations of the U.S Treasury with at least 10 years to maturity. Inflation is measured by the Consumer Price Index published by the U.S. Bureau of Labor Statistics. Past performance is not a guarantee of future results. Stocks Corporate bonds Government bonds Inflation Growth of $1 over time, 1925-2008

14. ~ Warren Buffet The best time to invest is when the market is open .

15. “ October. This is one of the peculiarly dangerous months to speculate in stocks . The others are July, January, September, April, November, May, March, June, December, August and February. ~ Mark Twain

19. What is a bond? Lenders/Bond Buyers Amount of Loan/Bond Borrower/ Bond/Issuer Company Bond 6% Interest — 30 Years Electronics Company

22. How a mutual fund works An investor in a mutual fund buys shares of the fund, and as such, each share represents ownership in all the fund’s underlying securities. Fund holdings your ownership in pizza company your ownership in a pharmaceutical company your ownership in electronics company

27. Strategy #7 Source: Calculated by John Hancock Funds, LL C using information and data presented in ENCORR Software, ©2009 Morningstar, Inc. All rights reserved. Used with permission. This information container herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. The S&P 500 Index is an unmanaged index and cannot be invested in directly. Past performance is not a guarantee of future results. This data is not intended to represent the performance of any John Hancock mutual fund. Holding periods, on a rolling basis Investment risk lessens over time — S&P Index 1926–2008

28. Strategy #7 The importance of rebalancing By maintaining target allocations, you add discipline to the process 50% stocks 25% bonds 25% cash 50% stocks 25% bonds 25% cash 60% stocks 30% bonds 10% cash Initial Target Allocation Varying Returns Distort Allocation Target Allocation Restored

32. Strategy #9 This example is hypothetical and does not represent any particular investment. Chart assumes $500 invested monthly at 8% for 30 years tax-deferred, with 20% tax rate and 40% tax rate.

33. Strategy #9 Retirement contribution—Maximum limits 2008 IRAs, Traditional or Roth $5,000 + $1,000 catch up SIMPLE IRAs & SIMPLE 401(k)s $10,500 + $2,500 catch up 401(k)s, 403(b)s, 457(b) plans $15,500 + $5,000 catch up Owner only 401(k)s $45,000 + $5,000 catch up Note: Catch-up provisions are available only to people 50 years or older. The IRS imposes a 10% penalty for early withdrawal if you are under age 591/2, in addition to regular income taxes.