1. No bank guarantee Not a deposit May lose value Not FDIC/NCUA insured Not insured by any federal government agency 1/15 E23244-15A Women. Confidence. Retirement. Presented by Stephanie Curry from Pacific Life

2. This information is for educational purposes only. It’s not intended to be tax or legal advice. You should contact your tax advisors and attorneys regarding your specific situation. John Galego and Atlas Wealth Strategies are not affiliated with Pacific Life or its affiliated companies. Pacific Life refers to Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company. Insurance products are issued by Pacific Life Insurance Company in all states except New York and in New York by Pacific Life & Annuity Company. Product availability and features may vary by state. Each insurance company is solely responsible for the financial obligations accruing under the products it issues.

3. Our Agenda 1.You are empowered 2.You have resources 3.You can create a plan for your financial future

5. Your Affluence  Decision-making authority over $11.2 trillion 1  Solely managing $5.1 trillion 1  Will receive about 70% of wealth transferred between generations 2 1 “Harnessing the Power of the Purse,” Center for Talent Innovation, May 2014. 2 “7 Steps to Attracting Women Clients,” www.Financial-Planning.com, June 25, 2013.

6. Your Influence 1 ”Women of Working Age,” accessed December 2014, www.dol.gov. 2 “Is Your Financial Services Business Catering to Women? If Not, You’re Missing Out,” accessed January 13, 2014, www.Banking.com.  72 million in the work force 1  93% influence purchases for family financial services 2

7. Recognize Your Natural Abilities  Save more  Take on less financial risk  Want to know details  Likely to stay on-course 1 1 “Engaging Women Clients: Seeing the Gender Differences,” accessed January 2015, www.Financial-Planning.com.

8. You Have Resources

9. Make Different Choices  Caregivers for children and/or parents  Less in personal savings  Less in monthly retirement benefits  Longer life expectancies

10. Let’s Meet … Single High income No children Concerns: Taxes Long-term investment growth Charitable causes Funding a long life Long-term care expenses Divorced Two children Full-time job Aging parents Concerns: Doing it all Where to begin? No time to plan Not enough money to devote to future needs Married Empty nester Gaps in employment and savings Nearing retirement Concerns: Lack of confidence/knowledge Ability to go it alone Running out of money JaneMarySusan These hypothetical examples are for illustrative purposes only.

11. Where Confidence Begins  Ask the right questions What type of financial future do you want?  Know your options How can you put your resources to work?  Find the right guidance What you should expect of a financial advisor

12. Where Confidence Begins  What’s my life like today?  What do I want life to be like tomorrow?

13. Jane  Single  High income  No children  Concerned about: Taxes Long-term investment growth Charitable causes Funding a long life Long-term care expenses This is a hypothetical example.

14. Single and in Control  Take stock of today Income Expenses What makes you, you  Learn how you might do better Budgeting Tax strategies Financial product options

15. Mary  Divorced  Two children  Full-time job  Aging parents  Concerned about: Doing it all No time to plan Not enough money to devote to future needs This is a hypothetical example.

16. Divorced and in Control Attorney Financial advisor CPA Insurance agent Broker and bank statements Tax returns Property titles Insurance policies Divorce agreement Budget Investments Established IRA Wills and titles Insurance Your team Your documents Your future

17. Divorced and in Control  What’s my life like today?  What do I want my life to be like tomorrow? Social Security Qualified plan or pension Personal investment strategy

18. Susan  Married  Empty nester  Gaps in employment and savings  Nearing retirement  Concerned about: Lack of confidence/knowledge Ability to go it alone Running out of money This is a hypothetical example.

19. Married and in Control Spouse Financial advisor Attorney CPA Broker and bank statements Tax returns Insurance policies IRA and 401(k) statements A flexible income plan for now and later Your team Your documents Your future

20. Your partner’s employer Dealing with the Transition Marriage and death certificate Wills and trusts Employee benefit records (especially retirement plans) COBRA information Unpaid compensation insurance Re-title joint financial accounts Evaluate your Social Security options Your partner Your future

21. Married and in Control  What’s my life like today?  What do I want my life to be like tomorrow? Know your team Know your financial situation Be active in conversations Express your own desires, concerns, and needs for the future

22. The Key Unknowns How much will the cost of goods and services rise? How long will you live? How will it affect your savings? Inflation Longevity Market performanc e

23.  Traditional investments Mutual funds, stocks, and bonds  Deferred annuities Fixed indexed annuities and variable annuities  Guaranteed income solutions Deferred fixed annuities, immediate annuities, and certificates of deposit A Few Types of Retirement Products

24. Measuring Portfolio Dependency  Investment withdrawals versus guaranteed income sources Let’s say you need $40,000 per year to sustain your lifestyle If $16,000 comes from Social Security benefits and $24,000 comes out of your portfolio, you have a 60% portfolio dependency rate

25. Investment vs. Investor Return (1994—2013) Average Equity Mutual Funds Investor Return S&P 500® Index Return Average Length Equity Mutual Funds Held by Investor Long-Term Focus Past performance is no guarantee of future performance, and current performance may be lower or higher than the performance quoted. Source: DALBAR, “Quantitative Analysis of Investor Behavior,” 2014. Indexes are unmanaged and cannot be invested in directly. The percentages in the bar graph are annualized. 10% 5% 0% 5.02% 9.22% 3.33 Years Annualized Return Percentage

26. Find the Right Guidance  Be proactive  Talk to your financial advisor about his or her philosophies  Ask questions  Meet with your financial advisor as an individual or actively participate if you are part of a couple

27. Insert thumbnail for 25081-14A Additional Resources Case StudyEducational GuideWorksheets

28. Thank You! Women. Confidence. Retirement.

29. This material is not intended to be used, nor can it be used by any taxpayer, for the purpose of avoiding U.S. federal, state, or local tax penalties. This material is written to support the promotion or marketing of the transaction(s) or matter(s) addressed by this material. Pacific Life, its affiliates, their distributors, and respective representatives do not provide tax, accounting, or legal advice. Any taxpayer should seek advice based on the taxpayer’s particular circumstances from an independent tax advisor or attorney.

30. Pacific Life Insurance Company P.O. Box 2378, Omaha, NE 68103-2378 (800) 722-4448  www.PacificLife.com Annuity withdrawals and other distributions of taxable amounts, including death benefit payouts, will be subject to ordinary income tax. For nonqualified contracts, an additional 3.8% federal tax may apply on net investment income. If withdrawals and other distributions are taken prior to age 59½, an additional 10% federal tax may apply. A withdrawal charge also may apply. Withdrawals may reduce the value of the death benefit and any optional benefits. Mutual funds are offered by Pacific Funds. Variable insurance products and mutual funds are distributed by Pacific Select Distributors, LLC (member FINRA & SIPC), a subsidiary of Pacific Life Insurance Company and an affiliate of Pacific Life & Annuity Company (Newport Beach, CA). Mutual funds as well as variable and fixed annuity products are available through licensed third-party broker/dealers.