$40K $35K $30K $25K $20K $15K $10K $5K $K

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3 Net Spenders: 25th Percentile of Investable Assets (Average of $2,786 in investable wealth at age ) $40K $35K $30K $25K $20K $15K $10K $5K $K Net Savers: 75th Percentile of Investable Assets (Average of $284,270 in investable wealth at age ) $120K $100K $80K $60K $40K $20K $K Income Consumption Values above show annual income and consumption for households broken into 5 year age cohorts. The household's age is the female spouse's age if there is one, or the respondent's age otherwise. Income was surveyed in 2010 and expenses in Households were segmented into percentiles based on their level of non-housing wealth as surveyed in To find the income and consumption values, spending and consumption values for households across a 20 percentile range were averaged. For example, to find the 25th percentile values, households from the 15th to 35th percentiles were averaged. Source: University of Michigan Health and Retirement Study (HRS), sponsored by the National Institute on Aging.

4 I wish I could..but I just can t afford it right now FOR REGISTERED REPRESENTATIVE USE ONLY. NOT TO BE DISTRIBUTED TO THE GENERAL PUBLIC.

5 $40K $35K $30K $25K $20K $15K $10K $5K $K Do Not Own LTCi Median spending for Individuals 65+ Own LTCi Health Home Related Food Transportation Cloth/Ent/Other Values above show median spending in each category of spending for retirees 65 years and older in Data comes the Employee Benefit Research Institute's (EBRI) February 2012 Issue Brief "Expenditure Patterns of Older Americans, " by Sudipto Banerjee. EBRI used data from the University of Michigan's Health and Retirement Survey (HRS).

6 FINANCIAL PROFESSIONAL USE ONLY

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8 Source: Millennial Engagement in the Workplace: Finding Common Ground to Bridge the Multi-Generational Gap, Mark E. Caner, 2012 FINANCIAL PROFESSIONAL USE ONLY

9 Silent Boomer Gen X Millennials 1 2 WW II, Depression (14%) Smarter (13%) Work Ethic (17%) Respectful (14%) Technology Use (12%) Work ethic (11%) Technology Use (24%) Music/Pop Culture (11%) 3 Honest (12%) Values/Morals (8%) Conservative/ Traditional (7%) Liberal/Tolerant (7%) 4 Work Ethic (10%) "Baby Boomers" (6%) Smarter (6%) Smarter (6%) 5 Values/Morals (10%) Smarter (5%) Respectful (5%) Clothes (5%) Source: Millennial Engagement in the Workplace: Finding Common Ground to Bridge the Multi-Generational Gap, Mark E. Caner, 2012; Pew Research Center Pew Research Center. (2010). Millennials: A Portrait of Generation Next. Washington D.C.: Pew Research Center. FINANCIAL PROFESSIONAL USE ONLY

10 Activity Millennial (18-29) Gen X (30-45) Boomer (46-64) Silent (65+) Created a social networking profile 75% 50% 30% 6% Wireless internet away from home 62% 48% 35% 11% Posted video of themselves online 20% 6% 2% 1% Use Twitter 14% 10% 6% 1% Use cell to text 88% 77% 51% 9% Texted in the past 24 hours 80% 63% 35% 4% Texted while driving 64% 46% 21% 1% Have a cell phone/no landline 41% 24% 13% 5% Source: Millennial Engagement in the Workplace: Finding Common Ground to Bridge the Multi-Generational Gap, Mark E. Caner, 2012; Pew Research Center FINANCIAL PROFESSIONAL USE ONLY

11 All Social Networking Users Millennial Gen X Bommer Several times a day Once a day Every few days Once a week or less Note: Based on adults who have their own social networking profile. Silent Generation not shown because of small sample size. Don t know/refused responses not shown. Source: Millennial Engagement in the Workplace: Finding Common Ground to Bridge the Multi-Generational Gap, Mark E. Caner, 2012 FINANCIAL PROFESSIONAL USE ONLY

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13 Interactive Desktop Sharing Twitter Facebook LinkedIn QR Codes Video GoVAROOM.com FINANCIAL PROFESSIONAL USE ONLY

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15 FINANCIAL PROFESSIONAL USE ONLY

16 MFS Investing Sentiment Survey Chris Hedges, CIMC Managing Director MFS Investment Management FOR DEALER USE ONLY. Should not be shown, quoted, or distributed to the public.

17 Economic Concerns Over the Next 12 Months (% "extremely/very concerned") Source: MFS Investing Sentiment Survey

18 Source: MFS Investing Sentiment Survey, Sep 2012

19 I am more concerned than ever about being able to retire when I thought I would. Over the past few years, I have lowered my expectations about the quality of life in retirement. Source: MFS Investing Sentiment Survey, Sep 2012

20 Only 43% of advisors think rising inflation is a concern for investors over the next 12 months. Source: MFS Investing Sentiment Survey, Sep 2012

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