The Retirement Needs Analysis Calculator is a planning tool designed to assist you in determining the future value of your retirement savings as well as any possible income shortfall. The values generated by this calculator provide rough estimates of projected potential income at retirement which is based on information provided by the user of this calculator. The presentation is not an evaluation of your retirement plan nor is it a specific recommendation for your retirement plan. John Hancock does not guarantee the accuracy of the Retirement Needs Analysis Calculator or the presentation itself. John Hancock will not be liable for any damages arising from the use or misuse of this software or from any errors or omissions in the same. This material does not constitute tax, legal or accounting advice and neither John Hancock nor any of its agents, employees or registered representatives are in the business of offering such advice. It was not intended or written for use and cannot be used by any taxpayer for the purpose of avoiding any IRS penalty. It was written to support the marketing of the transactions or topics it addresses. Comments on taxation are based on John Hancock’s understanding of current tax law, which is subject to change. Anyone interested in these transactions or topics should seek advice based on his or her particular circumstances from independent professional advisors.
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.
MLINY042613146 | © 2013 John Hancock