College Summary & Analysis.

What is your approach to education funding?

By funding 100% of your children's education, you lighten the burden for them, but you could
compromise your own lifestyle and retirement savings. As you learn more about the
consequences of this contribution on your retirement and lifestyle, you may wish to revise this
number. A comprehensive financial plan would help you to balance all of your financial goals.

What type of education are you planning for?

Your contribution could be about $90,000 over four years per child in today's dollars. This is
usually the most expensive alternative, averaging $22,500 per year in private tuition plus
expenses, or about $90,000 over four years. However, US News reports tuition may be
growing at an average 6% annually. And the other expenses may be growing at 3.5% per
year.

How much will you have to fund?

Your overall contribution could be approximately $200,000 after tax and adjusted for inflation.
Your child may need to fund about $0 through earnings, scholarships, loans, or other sources.
Based on a 7%* return on your investments, you would need to put away about $560 each
month between now and year 2019 to make up the balance. These figures are estimates and
could be affected by the particular school's tuition and the area's cost of living, the actual
return on investments, and actual rates of inflation.
*The annual growth rate of 7% does not represent the assumed return on any particular product or investment. There is
no assurance that forecasts made will be obtained. Individual investor results will vary.

How would your monthly education savings goal impact your lifestyle?
If your savings target would not affect your lifestyle excessively, you may have the option of a
more ambitious contribution level or type of education. If you feel that your current lifestyle
will allow it, you could also save more towards your other financial objectives.

How will education funding impact your retirement expectations?

If you allowed your overall contribution amount for all of your children to compound until age
65 at 7%*, the total would be about $420,000. This lump sum could generate an annuity
payment of roughly $39,700 until age 85, about 47% of the $85,000 retirement income you
want to achieve.
*7% does not represent the assumed return on any particular product. There is no assurance that forecasts made will be
obtained. Individual investor results will vary.

Does the impact of college funding on retirement meet your expectations?

This preliminary estimate suggests that your college funding approach is consistent with your
lifestyle and retirement plans. You may want to have an AXA Advisors financial professional
confirm this along with other financial goals you also want to achieve.