John Hancock Financial Network Enhances Award-Winning Retirement Ready Program That Helps Maximize Retirement Income

John Hancock Financial Network Enhances Award-Winning Retirement Ready Program
             That Helps Maximize Retirement Income Sustainability

Adds detail for in-depth discussion and evaluation of legacy planning options

Update includes enhanced client specific growth rate flexibility and
additional product comparison tools

PR Newswire

BOSTON, Dec. 12, 2012

BOSTON, Dec. 12, 2012 /PRNewswire/ -- John Hancock Financial Network (JHFN)
has added tools to enhance Retirement Ready*, its award-winning turnkey
retirement income program that helps financial professionals discuss the topic
and work with clients on a strategy to help maximize their sustainable
retirement income while minimizing some of their risks.

New to the program -- which was launched last fall with a product allocation
analysis tool, sales materials, and a dedicated support team -- are tools for
an in-depth discussion and evaluation of legacy planning options, as well as
enhanced client specific investment growth rate flexibility and  additional
product comparison tools.

At the heart of the Retirement Ready program is a product allocation tool
called the RSQ Analyzer. It leverages a unique methodology developed by Moshe
Milevsky and the QWeMA Group to determine each client's product allocation and
provide a Retirement Sustainability Quotient (RSQ) reflecting the relative
likelihood that their portfolio will generate the income they desire for the
rest of their lives.

"Overall we've had tremendous success with adoption of this program, and the
enhancements will only make it more useful," said Bruce Harrington, vice
president of Sales and Business Development, JHFN. "We've heard numerous
anecdotes about how much the Retirement Ready program has helped JHFN
representatives talk about retirement risks and planning in language clients
understand, and how much our product allocation model helps give clients

Now, while considering their retirement income strategy with Retirement Ready,
clients will have materials and worksheets to help evaluate legacy planning
and develop a strategy for leaving a legacy using life insurance if it is
something they wish to do. The enhanced program can help clients determine
what size legacy they may be able to leave and the impact it would have on
their retirement income sustainability. The program provides easy-to-read bar
charts that are easily adjusted to show different scenarios.

Moshe A. Milevsky, president and CEO, QWeMA, said, "QWeMA is delighted to be
partnering with JHFN and supporting both retirement income and legacy
solutions with the enhanced Retirement Ready program."

In addition, the current enhancements include:

  oAdded flexibility enabling financial professionals to change the
    investment growth rate assumptions to more closely match their clients'
    investment profile, and the ability to reflect the inflation rate impact
    more precisely with half a percentage increments
  oTwo new product comparison tools to enable the financial professional to
    identify the most relevant life insurance product solution that would best
    fit the clients' need

"We feel that the Retirement Ready program is important because it helps
financial professionals assist their clients to maximize sustainable
retirement income and minimize risk, but on a higher level, it also is a
valuable resource for advisors that can help them stand out in the retirement
income planning area, and can really play a role in building their business,"
said Greg Melton, director, Retirement Income, JHFN.

The Retirement Ready site, developed for John Hancock Financial Network by
digital marketing firm Blue Rush, won Best Financial Services Interactive
Application in the Web Marketing Association's 2012 Interactive Advertising

IMPORTANT: The projections or other information generated by Retirement Ready
and the RSQ Analyzer regarding the likelihood of various investment outcomes
are hypothetical in nature, do not reflect actual investment results, and are
not guarantees of future results.

Results will vary with each use and over time.

In most circumstances, Retirement Ready favors products which offer guaranteed
income streams such as variable annuities with guarantees income riders and
single premium immediate annuities due to the lifetime income features
associated with these types of products.

About John Hancock Financial Network
John Hancock Financial Network is a national network of independent firms with
approximately 1,900 advisors across the U.S. A leader with the stability and
scale to offer an innovative business model, John Hancock Financial Network
gives entrepreneurial advisors the power to effectively build unique
businesses, based on their own vision and market opportunity. For more
information on John Hancock Financial Network and its national network of
independent firms, visit

Securities offered through Signator Investors, Inc., member FINRA, SIPC. 197
Clarendon Street, Boston, MA 02116.

Moshe Milevsky and The QWeMA Group are independent of John Hancock and
Signator Investors, Inc.

Learn more about JHFN at:           Follow us on the web: YouTube –

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*patent pending

SOURCE John Hancock Financial Network

Contact: Melissa Berczuk, +1-617-663-4750,
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