ABC's Of Saving For College

Will You Be Ready?

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 CHALLENGE OF PAYING FOR A COLLEGE EDUCATION ADVANTAGES OF THE PACIFIC LIFE FUNDS 529 PLAN Case Studies — Ways to Save A — 1 child, 1 year old B — 2 children, 6 & 8 years old C — 1 child, 15 years old 529 PLANS AT A GLANCE You're in Control - Opening an account - Naming your beneficiary - What if your child doesn't go to college? You Gain Tax Benefits - Tax-free growth - Tax-free withdrawals - Gift and estate tax benefits You Have Options - Rollovers - Financial aid - Withdrawing funds - Enrollment fee - Getting started How Does the Pacific Life Funds 529 Plan Compare? - How are account assets and contributions taxed? - Who controls the account? - How much can you contribute? - Are there income restrictions? - What are the restrictions to using the money? - What are the penalties for nonqualified withdrawals? - What is the impact on your financial aid application? - Can you rollover an existing account into a Pacific Life Funds 529 Plan? Getting Started Plan Description Handbook MT Montana Resident Forms MT 529 Supplement dated 8/13/08

The Pacific Life Funds 529 College Savings Plan (MT) is approved and issued by the state of Montana and offered through the Montana Family Education Savings Program (MFESP).