1. Financial Strategies Just for Women Life Insurance and annuity products are issued by AXA Equitable Life Insurance Company (New York, NY). Variable products are co-distributed by AXA Advisors, LLC and AXA Distributors, LLC. AXA Equitable, AXA Advisors and AXA Distributors are affiliated companies and do not provide tax or legal advice.

2. “ You cannot escape the responsibility of tomorrow by evading it today.” Abraham Lincoln

3. Main Menu Funding Your Child's Education Having a Plan Helps Concerns in Widowhood Concerns in Divorce Estate Planning For the Executive For the Business Owner Conclusion

4. Funding Your Child’s Education GE-45090 (8/08)

5. Source: The College Board; Trends in College Pricing 2007 Today’s Costs Average Published Tuition and Fee and Room and Board Charges at Four-Year Institutions, Five-Year Intervals, 1977-78 to 2007-08 (Enrollment-Weighted) GE-45090 (8/08)

11. Having a Plan Helps GE-45090 (8/08)

16. Concerns in Widowhood GE-45090 (8/08)

17. Source: U.S. Census Bureau, Current Population Survey, 2006 Annual Social and Economic Supplement Widow Population in the U.S. GE-45090 (8/08) 42.4% 13.1% 65+ 9.9% 2.5% 18+ Women Men Age

21. In 2006, 42.4 % of all older women were widows or 8.6 million widows. Source: “A Profile of Older Americans: 2007.” Administration on Aging based on data from the 2007 Current Population Survey of the U.S. Bureau of the Census. GE-45090 (8/08)

24. Concerns in Divorce

27. For more complete information or answers to other questions, contact the Social Security Administration at: www.SSA.com You and Social Security

31. Estate Planning

37. A legal relationship created when an owner of a property (the grantor) transfers property to another person (the trustee) to hold such property for the benefit of a third party or person (the beneficiary). What Is a Trust?

38. A trust established by the terms of a will to become effective upon probate of the will. Testamentary Trusts

41. How does the Unified Credit work? Total Estate $5,000,000 Surviving Spouse $5,000,000 Federal Estate Tax $1,635,000 Net to Heirs $3,365,000 Net to heirs without using the Unified Credit Net to heirs with Unified Credit Planning Total Estate $5,000,000 Surviving Spouse $3,500,000 Federal Estate Tax $450,000 Net to Heirs $4,550,000 By-Pass Trust $2,000,000 $900,000 Federal Tax Savings

42. Q: What is it? A: A Traditional IRA or Roth IRA that is inherited from a deceased owner. Q. Why set one up? A: If an IRA is paid as a lump-sum distribution, the income tax consequences can be substantial and may deplete a significant amount of the IRA funds inherited. The Inherited IRA: Q&A

45. For the Executive GE-45090 (8/08)

49. Many variables. Different needs. GE-45090 (8/08)

50. The Pension Predicament: The Single Life Option or The Joint and Survivor Option GE-45090 (8/08)

52. Purchase a permanent life insurance policy on the life of the participant prior to or at retirement designed to provide the surviving spouse with a death benefit that would provide for a monthly income benefit and take the “Single Life” pension option. Individuals must qualify to obtain life insurance necessary for this concept. A life insurance policy is a contractual agreement in which premiums are made to an insurance company. In return for these premium payments, the insurance company will provide benefit to a beneficiary upon the insured’s death. Life insurance policies have exclusions, limitations, and terms for keeping them in force. Fees and charges associated with life insurance include mortality and expense risk charges, cost of insurance, surrender charges and administrative fees. Guarantees are based on the claims-paying ability of the issuing insurance company. It is important to review the terms of your individual pension to ensure that no additional benefits, such as health insurance, are lost by not taking the joint/survivorship benefit. The Third Option GE-45090 (8/08)

59. Q. What is it? A. A promise by an employer to pay an executive a benefit in the future. Deferred Compensation GE-45090 (8/08)

61. 70% of Final Compensation ? = Company Pension + Social Security + 401(k) Income Retirement Income Resources GE-45090 (8/08)

63. For the Business Owner

64. The process of defining what will happen to a business owner’s stock at his or her death, disability or retirement. What Is Business Continuation Planning?

71. Does Your Company Need Key Person Insurance?

72. In Conclusion “ You have to have confidence in your ability, And then be tough enough to follow through.” Rosalynn Carter

73. Please be advised that this presentation is not intended as legal or tax advice. Accordingly, any tax information provided in this document is not intended or written to be used, and cannot be used, by any taxpayer for the purpose of avoiding penalties that may be imposed on the taxpayer. The tax information was written to support the promotion or marketing of the transaction(s) or matter(s) addressed and you should seek advice based on your particular circumstances form an independent tax advisor.