Pacific Life's online Financial Planning Center contains interactive calculators, interesting articles, and educational information that can assist you in retirement planning, life insurance and estate planning, and college savings planning.   Please choose a financial planning channel below to learn more.

	Retirement Planning According to the Social Security Administration, today's retirees can only count on corporate pensions and Social Security for 56% of their income at retirement.  The remainder must come from other sources - personal savings and earned income.  If the same holds true in the future, you may need to accumulate enough in personal savings to make up a 44% shortfall in your retirement income.  Your challenge is...how to close this gap?
	Life Insurance & Estate Planning Maintain surviving family's lifestyle - by paying off debt and providing a lump sum of cash which they can draw from in the event of your death.  Divide and distribute your estate equitably - for example, you could have someone be an heir to your business that may be worth a couple million and provide another heir a couple million in life insurance proceeds.  Reduce or eliminate gift and estate taxes.
	College Savings Over the past 20 years, college costs have risen more than twice the rate of inflation. For many of us, paying for a child's education will be one of the largest expenses we'll incur in our lifetime. But the opportunity is clear — a college degree helps you earn up to 80% more than a high school diploma alone according to the College Board. Will you be ready to fund the opportunity?

The content and tools contained in the Financial Planning and Educational Information sections of PacificLife.com are intended to provide you with only a basic understanding of your situation and needs, not to provide advice of any sort.  For a more in-depth and overall analysis of your specific situation and needs, please contact an Investment or Life Insurance Professional.