SAVVY WOMEN, SMART INVESTORS Take charge of their financial future Presenter Name Presenter Title MFS Fund Distributors, Inc. Boston, MA MFS does not provide legal, tax or accounting advice. Clients of MFS should obtain their own independent tax and legal advice based on their particular circumstances. You should recommend products based on your client's financial needs, goals, and risk tolerance. The views expressed in this presentation are those of MFS and are subject to change at any time. These views should not be relied upon as investment advice, as securities recommendations, or as an indication of trading intent on behalf of any other MFS investment product. Past performance is no guarantee of future results. No forecasts can be guaranteed. MFS Fund Distributors, Inc. may have sponsored this seminar by paying for all or a portion of the associated costs. Such sponsorship may create a conflict of interest to the extent that the broker dealer's financial advisor considers the sponsorship when rendering advice to customers. NOT FDIC INSURED  MAY LOSE VALUE  NO BANK GUARANTEE

THE 1950’s: THE GOOD HOUSEWIFE 2 Image from an actual 1950’s high school economics textbook.

TODAY’S WOMAN  Out-achieving men 1  No more pay gap 2  40% are their family's primary breadwinner 3  37% earn more than their husbands 3  50% of working women are in management or professional occupations 4  The 45-to-60 cohort have their own assets 5  Make up 50% of the individuals with investable assets of more than $500, U.S. Department of Commerce, United States Census Bureau, Educational attainment in the United States TheGuardian.com, Women in their 20s earn more than men of same age, study finds, August PEW-Breadwinner Moms, Wendy Wang, Kim Parker, Paul Taylor, May, Catalyst.org, Statistical Overview of Women in the Workplace, March Sources: U.S Census Bureau, Allianz Life Insurance Report, "Women, Money and Power 2007 and 2008 study. 6 Harvard Business Review, The Financial Services Industry's Untapped Market, Sylvia Ann Hewlett and Andrea Turner Moffitt, December 2014.

4 WHO MAKES THE DECISIONS? Source: The Women and Financial Power study was created by Ameriprise Financial utilizing survey responses from 3,515 Americans ages 25 to 70 with investable assets of at least $25,000. The online survey was commissioned by Ameriprise Financial, Inc., and conducted by Artemis Strategy Group from March 6–24, 2014.

The men wrote: “Woman, without her man, is nothing.” Sources: WISER; Money for Women, May/June 2000; and National Center for Women and Aging. The women wrote: “Woman! Without her, man is nothing.” DIFFERENT PERSPECTIVES woman without her man is nothing

HE SAYS: I’ve got a great tip on a hot stock. It’s risky, but that’s how you beat the market. SHE SAYS:I want a steady return, and I don’t want to lose any money. HE SAID / SHE SAID HE SAYS: I was right. SHE SAYS:I was lucky. HE SAYS: If I don’t know, I’ll figure it out. SHE SAYS: If I don’t know I’ll ask. HE SAYS: What can you do for me? SHE SAYS: What can you tell me?

HOW WOMEN PROCESS INFORMATION The Women’s Association of San Francisco 2007 WOMENMEN Women use 20,000 words per day. Men use 7,000 words per day Women know the difference between ecru, beige and eggshell. Huh? Women excel at knowing what people are feeling. Men have difficulty spotting an emotion unless someone cries or threatens bodily harm.

BY THE NUMBERS American Community Survey 1-Year Estimates. United States Census Bureau. Retrieved At age 85 and older, there are more than twice as many women as men.

BY THE NUMBERS 2 WIFE. ORG, Women's institute for Financial Education, A study by the Older Women's League, On average women will outlive their husbands by 15 years.

BY THE NUMBERS Source: Thinkadvisor.com, Sallie Krawcheck: Women Are ‘One Helluva Market ’, Sallie Krawcheck, February % Women will likely inherit 70% of estates ($41 trillion) over the next 40 years.

MORE FACTS  A high divorce rate, in addition to women outliving men, means that 80% to 90% of women will be solely responsible for their finances at some point in their lives. 1  The average woman spends more than 17 years caring for children and 18 years assisting aging parents. 2  Family needs take priority: current needs (debt, house purchase/payoff, kids/grandkids, emergency fund) are more urgent than the future. 3 1 South Carolina's Women Magazine, The First Step to Managing your Money is to Take the First Step, Maura Utley, March Arista Home Care Solutions, Our Aging Parents: A Catch 22 Facing Most Families, August Financial experience & behaviors among women Prudential Study.

THE CONCERNS  Will I outlive my money?  Will my expenses increase faster than my income?  How will market volatility affect my lifestyle?  How will I pay for my health care costs?  How do I balance my needs and the needs of my family?

your own BALANCING FINANCIAL NEEDS your own your children and/or grandchildren your parents

YOUR OWN NEEDS  Consider maximizing what you are saving and how  Protect your assets  Know the 7 most important documents to have in place  Understand the 8 essential strategies aimed to successfully build a retirement nest egg The majority of women are busy caring for others Accenture recently carried The Global Retirement Service Study of more than 8,000 consumers in 15 countries during 2015.

THE 7 MOST IMPORTANT ESTATE PLANNING TOOLS FOR SMART WOMEN A Revocable Living Trust Wills Directives Durable Powers The Financial Plan The Giving Plan Written instructions Stay Educated 15

8 STRATEGIES TO CONSIDER TO HELP PURSUE FINANCIAL SUCCESS Diversify Dollar Cost Average Don't pull out of market when scared Use Professional Advice Don't support adult kids if you are a borderline saver Have Goals Have a Plan Stay Educated 16

YOUR CHILDREN / GRANDCHILDREN’S NEEDS Source: MFS Calculations based on data from The College Board, Annual Survey of Colleges; NCES, IPEDS. After increases as high as 9.5% beyond inflation in and 6.5% in , average published tuition and fee prices for full-time in-state students at public four-year institutions increased by less than 1% in real terms in , and again in % of investors with children haven't started saving for college. The cost of education

YOUR CHILDREN / GRANDCHILDREN’S NEEDS  Know what you need for a college education 1  Help to create financial independence 1  Plan for inheritance challenges 2  Create a living legacy 2 1 U.S News, 5 Strategies for Raising Financially Smart Children, Trent Hamm, April Forbes.com, Help Your Grandkids Prosper With These 3 Techniques, Rob Russell, July 2015 We prepare our assets, but do we prepare our heirs?

CARING FOR OUR PARENTS Source: TriDelta Financial, Challenges of caring for parents, May 2013 The challenges of caring for aging parents Provide daily living support: transportation, cleaning, etc. Ensure adequate parental income for caregiving needs later in life Resolve parents' estate planning issues Understand the difference between normal age-based memory loss and Alzheimer's

BUILD A FOUNDATION  Ensure that your own financial needs are a priority and have a savings plan.  Ensure your children have the financial help they need early.  Ensure your parents can be well cared for.

CREATE YOUR STRATEGY TODAY 22 MFS Fund Distributors, Inc., 111 Huntington Ave, Boston, MA Identify your needs 2Meet with your advisor 3Build your plan

Thank You

Authors not affiliated with MFS Investment Management or any of its subsidiaries.

CARING FOR OUR PARENTS Authors not affiliated with MFS Investment Management or any of its subsidiaries.

CARING FOR OUR PARENTS

RAISING FINANCIALLY FIT KIDS Authors not affiliated with MFS Investment Management or any of its subsidiaries.

CONVERSATION OPENERS WITH OUR KIDS

CONNECTING WITH OUR KIDS Author not affiliated with MFS Investment Management or any of its subsidiaries.