PERSONAL INVESTMENT OPTIONS

Let us help you establish and achieve your financial goals through

• Investment Services
• Insurance Services
• Financial Planning
• Estate Planning
• Retirement Planning

In today's complex maze of investment and insurance alternatives, making decisions about your financial future can be a real challenge. You need a strategy. But where do you start? Start with an objective, professional service. We have formed an alliance with Baystate Financial Services, one of the Bay State's most experienced financial firms, to provide our customers with a personalized strategy and professional service. You will enjoy one-on-one assistance from experienced financial representatives* who will work with you to help chart a course for your financial future.

Begin with a Strategy

A key advantage of working with an experienced team is the proven ability to help create strategies for a family's financial future. Your financial representative will meet with you to discuss your financial needs, goals and priorities, and to review your current situation. Based on an analysis of this information, we will help you develop a comprehensive strategy for building and protecting your assets, encompassing a range of critical issues:

• Retirement
• Life Insurance
• Investments
• Financial Planning
• Funding Children's Education
• Estate Planning

Investment Services

A carefully planned and executed investment strategy is a key element of any financial strategy. Your financial representative at Baystate Financial Services can help select and manage investments for you, according to a personalized asset allocation strategy determined by your goals, time horizon, risk tolerance and other factors.

Our financial services team also specializes in helping you take advantage of investment opportunities for retirement, through a variety of IRA, SEP, 401(k), and other tax-deferred retirement plans.

Insurance Services

Providing adequate financial protection for your family is a critical - and often overlooked - priority. With numerous resources available through Baystate Financial Services we can help address this need, with a tailored insurance strategy and quality insurance products. Baystate Financial Services offers a full range of quality insurance products form more than 40 insurance companies, including:

• Life Insurance (Term, Whole, Variable and Universal)
• Disability Income Insurance
• Long-Term Care Insurance
• Annuities (Variable and Fixed)

Estate Planning Services

When you pass on, estate taxes can take a significant toll on your accumulated assets. Representatives from Baystate Financial Services can help you protect your family, creating a personalized strategy to protect and preserve your assets.

CONTACT ONE OF OUR INVESTMENT REPRESENTATIVES

*Securities products and investment advisory services are offered through registered representatives and financial planners, respectively, of New England Securities (NES), Boston, MA, a broker dealer (member FINRA/SIPC) and registered investment advisor. Benjamin Franklin Bank is not affiliated with New England Securities. Each firm is independently responsible for the services it provides. Products and services made available through Baystate Financial Services, LLC and NES are not FDIC insured, not a condition of any bank service, not a deposit product, no bank/affiliate guarantee, no guarantee of insurance, underwriter performance, may lose value, and the bank cannot condition an extension of credit on the purchase of an annuity or insurance product from the bank itself or one of its affiliates. Neither Baystate Financial Services nor its representative provides tax or legal advice. See your attorney for such guidance. L03083300 exp. 03/09 (MA, RI).