MAPPING YOUR COURSE Presenter name Title The views expressed in this presentation are those of the speaker 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. 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. MFS Fund Distributors, Inc., Boston, MA © 2015 MFS Investment Management®. 111 Huntington Avenue, Boston, MA

1. Have you put a plan in place to try and consistently increase your income during retirement? 2. Have you put a plan in place to assist your children or grandchildren financially? 3. Do you want or do you need to be involved in the financial care of your parents? 4. If something happened to you, are your plans in place? 5. What kind of legacy do you want to leave? And do you have a plan in place? WILL YOU RETIRE ON YOUR OWN TERMS? The investments you choose should correspond to your financial needs, goals, and risk tolerance. For assistance in determining your financial situation, consult an investment professional.

HAVE YOU PUT A PLAN IN PLACE TO TRY AND CONSISTENTLY INCREASE YOUR INCOME DURING RETIREMENT? INFLATION TAXES NOT PLANNING

HAVE YOU PUT A PLAN IN PLACE TO ASSIST YOUR CHILDREN OR GRANDCHILDREN FINANCIALLY? College costs Wedding Start a business New home

 Type of school – Public – Private  Yearly cost – now and future  How will cost be covered? – 529 – Government assistance – Gifting – School Aid – Personal/Child – Savings WILL YOU BE PREPARED TO PAY FOR COLLEGE? Source: MFS calculations based on data from College Board’s Trends in College Pricing 2015, using average tuition and fees for only a four-year period. Calculations assume private college costs will increase 5.0% per year and public college costs will increase 6.8% per year on average. $61k$42k

If one or both are living, is there a need to:  Assist in handling their financial affairs?  Get information on taking proper care of aging parents?  Help with their planning needs? ARE YOUR PARENTS LIVING?

 Do you have a will or a trust?  How can you be sure your wishes will be honored?  Will your assets pass efficiently to your heirs? IF SOMETHING HAPPENED TO YOU… ESTATE AND LEGACY PLANNING

DO YOU WANT TO LEAVE A LEGACY? FOUNDATIONS ENDOWMENTS RELIGIOUS ORGANIZATIONS CHARITIES

BECAUSE IN THE END… SLEEP COUNTS!!

STAY ON YOUR COURSE ON THE ROAD TO RETIREMENT… AND SLEEP WELL!!

THANK YOU