Benefit Concepts

<body bgcolor="#ffffff"> <table border="0" cellpadding="0" cellspacing="0" width="609"> <tr> <td width="225" valign="top"> <table border="0" cellpadding="0" cellspacing="0" width="225"><tr><td colspan="2" width="225" height="32" valign="bottom"> <img src="/graphics/J/TJHn_r1_c6.gif" width="225" height="32" border="0" alt="Market Watch"></td></tr> <tr> <td width="14" background="/graphics/J/TJHn_r2_c6.gif"> </td> <td valign="top" width="211"> <font face="Arial, Helvetica, sans-serif" size="1"><b>August 28, 2008 @ 06:13 AM</b><br><br></font> <table border="0" cellpadding="1" cellspacing="0" width="200"> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$INDU" target="mondo"><strong>Dow Jones Industrials</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>11,502.51</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>+ 89.64</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$COMPQ" target="mondo"><strong>Nasdaq Composite</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong> 2,382.46</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>+ 20.49</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$SPX" target="mondo"><strong>S&P 500</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong> 1,281.66</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>+ 10.15</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$RUT" target="mondo"><strong>Russell 2000</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong> 732.95</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>+ 9.44</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$NYA" target="mondo"><strong>NYSE Composite</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong> 8,349.84</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>+ 86.12</strong></font></td></tr> <tr><form action="http://partners.marketcenter.com/fiserv/quotes/quote.action?symbol=" method="get" target="mondo"> <td align="center" colspan="3"><br><input type="text" size="6" maxlength="6" name="s" value=""> <input type=submit value="Get Quote"></td></form></tr><tr><td colspan="3" align="center"><font face="Arial, Helvetica, sans-serif" size="-2"> <br>[ <a style="text-decoration:none; color: #000000" href="markets.cfm" target="mondo"><font color="#000000">Markets</font></a> | <a style="text-decoration:none; color: #000000" href="charts.cfm" target="mondo"><font color="#000000">Charts</font></a> | <a style="text-decoration:none; 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Today, he and his team leverage their experience to help clients maximize their benefits and meet their financial goals.</p> <p class="MsoNormal" style="MARGIN: 0in 0in 0pt"><span style="COLOR: red; FONT-FAMILY: verdana"><o:p> </o:p></span></p> <p class="MsoNormal" style="MARGIN: 0in 0in 0pt">"At Benefit Concepts, we assist individuals and businesses in realizing their goals, offering guidance and support to clients--each with unique financial needs. We provide corporate qualified retirement plan design and support, full-service group employee benefits, and individual wealth creation and preservation strategies to meet the needs of business owners and high-net-worth individuals."</p> <p class="MsoNormal" style="MARGIN: 0in 0in 0pt"><o:p> </o:p></p> <p class="MsoNormal" style="MARGIN: 0in 0in 0pt">"By embracing a team approach, we ensure a wide breadth of experience is delivered, based on each client’s individual needs."</p> <p class="MsoNormal" style="MARGIN: 0in 0in 0pt"><o:p> </o:p></p> <p class="MsoNormal" style="MARGIN: 0in 0in 0pt">Benefit Concepts was founded on the ideal that employee benefit and products and services for financial planning, while important, need not be an all-consuming task for business owners and individuals."By taking this pressure off our clients, we give them more time to focus on what they do best. Our goal is to serve our clients as comfortable, consistent, and dedicated advocates in a field where details reign supreme."<o:p></o:p></p> <p class="MsoNormal" style="MARGIN: 0in 0in 0pt"><o:p> </o:p></p> <p class="MsoNormal" style="MARGIN: 0in 0in 0pt">"Of course, we understand how important it is for our clients to successfully provide for the people they care about as well as those who rely on them. That’s why we encourage our clients to integrate existing relationships with trustees, attorneys, accountants, and other professionals to ensure we take a comprehensive approach when creating financial solutions."</p> <p class="MsoNormal" style="MARGIN: 0in 0in 0pt"><o:p> </o:p></p> <p class="MsoNormal" style="MARGIN: 0in 0in 0pt"><strong style="mso-bidi-font-weight: normal">Solutions for Individuals, Businesses, and Nonprofit Clients </strong></p> <p class="MsoNormal" style="MARGIN: 0in 0in 0pt"><strong style="mso-bidi-font-weight: normal"><o:p></o:p></strong> </p> <p class="MsoNormal" style="MARGIN: 0in 0in 0pt">Benefit Concepts offers a wide range of products and services for:<strong style="mso-bidi-font-weight: normal"><span style="mso-spacerun: yes"> </span><o:p></o:p></strong></p> <p class="MsoNormal" style="MARGIN: 0in 0in 0pt"><strong style="mso-bidi-font-weight: normal"><o:p> </o:p></strong></p> <ul style="MARGIN-TOP: 0in" type="disc"> <li class="MsoNormal" style="MARGIN: 0in 0in 0pt; mso-list: l0 level1 lfo1; tab-stops: list .5in">Employee benefit plans, including programs for Nonprofit 501(c)(3) organizations<o:p></o:p> </li> <li class="MsoNormal" style="MARGIN: 0in 0in 0pt; mso-list: l0 level1 lfo1; tab-stops: list .5in">Executive compensation plans<o:p></o:p> </li> <li class="MsoNormal" style="MARGIN: 0in 0in 0pt; mso-list: l0 level1 lfo1; tab-stops: list .5in">Retirement and pension plans design and support<o:p></o:p> </li> <li class="MsoNormal" style="MARGIN: 0in 0in 0pt; mso-list: l0 level1 lfo1; tab-stops: list .5in">Individual investments </li> <li class="MsoNormal" style="MARGIN: 0in 0in 0pt; mso-list: l0 level1 lfo1; tab-stops: list .5in">Estate conservation solutions<o:p></o:p> </li> </ul> <p class="MsoNormal" style="MARGIN: 0in 0in 0pt"><o:p> </o:p></p> <p class="MsoNormal" style="MARGIN: 0in 0in 0pt">In addition, associates of Benefit Concepts have access to insurance products, including life, health*, disability income*, and long term care, as well as fixed and variable annuities, from a wide range of companies to meet our clients’ protection needs.</p> <p class="MsoNormal" style="MARGIN: 0in 0in 0pt"><o:p> </o:p></p> <p class="MsoNormal" style="MARGIN: 0in 0in 0pt">"At <strong style="mso-bidi-font-weight: normal"></strong>Benefit Concepts, our reputation is based on the strong, personal relationships we have formed with our clients and our commitment to excellence in all that we do." </p> <p class="MsoNormal" style="MARGIN: 0in 0in 0pt"><o:p> </o:p></p> <p class="MsoNormal" style="MARGIN: 0in 0in 0pt">Benefit Concepts. Offering Individual and Corporate Solutions.</p> <p class="MsoNormal" style="MARGIN: 0in 0in 0pt"><o:p> </o:p></p> <p class="MsoNormal" style="MARGIN: 0in 0in 0pt"><o:p> </o:p> <p class="MsoNormal" style="MARGIN: 0in 0in 0pt"><o:p> </o:p></p> <p class="MsoNormal" style="MARGIN: 0in 0in 0pt"><o:p></o:p> </p> <p class="MsoNormal" style="MARGIN: 0in 0in 0pt"> </p> </p> <p class="MsoNormal" style="MARGIN: 0in 0in 0pt; mso-layout-grid-align: none"><a name="OLE_LINK8"><span style="FONT-SIZE: 10pt; FONT-FAMILY: guardi-bold; mso-bidi-font-family: guardi-bold">*Selected insurance products are offered through other companies independent of John Hancock Life Insurance Company and Signator Investors, Inc<o:p></o:p></span></a></p> </font><strong><font face="Arial" size="2"><em>Benefit Concepts is independent of John Hancock Life Insurance Co. and Signator Investors Inc.</em></font></strong> </font></td> </tr> </table><br> <table border="0" cellpadding="0" cellspacing="0" width="384"> <tr><td colspan="2" width="192" height="43" valign="bottom"><img src="/graphics/J/TJHn_r4_c1.gif" width="192" height="43" border="0" alt="Calculators"></td><td colspan="2" width="192" height="43" valign="bottom"><img src="/graphics/J/TJHn_r4_c4.gif" width="192" height="43" border="0" alt="Newsletters"></td></tr> <tr><td width="14" valign="top" background="/graphics/J/TJHn_r5_c1.gif"> </td> <td valign="top" width="178"> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=136" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Cost of Retirement</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>Use this calculator to estimate how much income and savings you may need in retirement.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=137" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Impact of Inflation</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>Estimate the future cost of an item based on today’s prices and the rate of inflation you expect.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=695" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Retirement Plan Early Distribution</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>Estimate how much would remain after paying income taxes and penalties if you took an early distribution from a retirement plan.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=702" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Retirement Portfolio Lifespan</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>How Long Will Your Funds Last?</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=calc_hdr.cfm" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#FF0000">More Calculators>>></font></b></a> </p> </td><td width="14" valign="top" background="/graphics/J/TJHn_r5_c4.gif"> </td> <td valign="top" width="178"> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1372" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Fuel for the Economy</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> The world has become so dependent on oil that most economies simply could not exist in their present forms without it.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1379" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Where Will You Roll?</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> An IRA is not really an investment in itself, but rather a special type of account that can be invested in thousands of ways. </font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1405" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Get Schooled on Saving for College</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> One way to be prepared for the possibility that the tab for higher education may be higher than expected is to own take advantage of the tax benefits of 529 plans. </font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=1420" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Good Time to Keep Going</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> Inflation is rising. Home prices are falling. Oil and stock prices are volatile. Could this be a good time to ramp up your retirement savings? You might be surprised at the answer.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=news_hdr.cfm" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#FF0000">More Newsletters>>></font></b></a> </p> </td></tr> </table> </td> </tr> <tr><td colspan="3"><br><div align="center"><font face="Arial, Helvetica, sans-serif" size="1"><p> 6 BECKER FARM ROAD-4TH FLOOR - ROSELAND, NJ 07068 - 973-994-0100 </p> </font></div> <p align="center"><font face="Arial, Helvetica, sans-serif" size="1"> <p>We are licensed to sell Insurance Products in the following states:<br />Maryland, New Jersey, Pennsylvania.</p> <p>We are registered to sell Securities in the following states:<br />Maryland, New Jersey, Pennsylvania.</p> John Hancock Financial Network is a service mark of John Hancock Life Insurance Company and its affiliated companies.<br> Signator Advisory Group is a service mark of Signator Investors, Inc.<br> Offering John Hancock insurance products. <br>Securities and Investment Advisory Services offered through Signator Investors, Inc., <br>Member <a href="http://www.finra.org" target="_blank">FINRA</a>, <a href="http://www.sipc.org" target="_blank">SIPC</a>, a Registered Investment Advisor. </font></p> <p><font face="Arial, Helvetica, sans-serif" size="1"><a href="SigImportantLegal.cfm" target="_blank">Important Legal Information</a></font></p> </td></tr></table></div></body></html>