NEWSLETTER3rd Quarter - 2017

Voyage seminars

Client statements are redesignedYou may have noticed that your monthly

statement looks different.

That’s because LPL, our broker/dealer, has redesigned them to make them easier to review transactions since your last monthly report.

Beginning in October, your quarterly statement also will have a new look, but contain all of the information that has been provided in the past and more. The new statements include: - Improved readability - Intuitive layout and design

- Up-front summary of key account values

- Up to 65 percent reduction in wasted space and wasted paper, based on an averagestatement size.

The illustration below shows how the new quarterly statements look.

American Funds statements will not change.

If you would like to receive your statements online, instead of in the mail, please contact us.

Member FINRA/SIPC OP-2306-0617

Enhanced Statements Are HereYour statements have been improved! Your monthly and quarterly statements from your financial advisor have been redesigned to provide enhanced readability and a fresh look. The new statements feature a streamlined design with fewer pages, clearer information with the account value front and center, a simplified cost basis display, and unique layouts for each statement type.

Monthly statements will be generated only in months where account activity has taken place and will provide a summary of account activity. Quarterly statements will be sent each quarter and provide detailed information for all of your accounts.

1 Improved Design

Streamlined and modern full-color design with sophisticated typography and graphics

2 Portfolio Value

Now displayed more prominently at the top of the page for easier access and readability

3 Account Summary

Important account information for householded statements consolidated to one page

4 Shorter Statement

Information condensed to reduce page number and clutter

1

2

3

4

Statements will vary by investor and account; the above is just an example.

00196889

Voyage seminars – that include dinner – will be offered this fall for AT&T employees nearing

retirement who would like to know more about our firm and the services we offer. We would appreciate it if clients passed this opportunity along to coworkers who they think would benefit from attending one of them:

Voyage/AT&T SeminarsOct. 10 So BarringtonOct. 11 Elk Grove VillageOct. 12 New LenoxOct. 17 Oak ForestOct. 18 Park RidgePlease visit the “Events” page on the Voyage website, www.voyagefg.com, for restaurant locations and to register. Or call Voyage at 877-353-8999.

Page 2

What state is the most desirable to retire in? There’s actually

no one answer to this because it depends on what is important to you. The newly released LPL Research Retirement Environment Index offers food for thought on the subject, however, by ranking the attractiveness of each state as a retirement destination.

The states are evaluated on six key factors to evaluate overall desirability for retirement. These factors include:

- Financial- Healthcare- Housing- Community quality of life- Employment and education- Wellness

The chart on the left reflects the scoring.

The report notes that “desirable” can mean different things to different people. A person with a very healthy financial situation, for example, may put less weight on the financial category, and give more weight to community and/or quality of life factors.

A copy of the complete report is available on our website, www.voyagefg.com, in the Resource Center under Voyage Publications.

Member FINRA/SIPC04

D I S R U P T I V E I N S I G H T S L P L R E S E A R C H R E T I R E M E N T E N V I R O N M E N T I N D E X

9 8 1 A Nebraska A C C A C C19 4 2 A Michigan B B B C C C3 7 3 A Minnesota B B D B B B2 2 4 A South Dakota A C C C C C4 3 5 A Wyoming A D C A C C

10 6 6 B Tennessee A C B C D D1 1 7 B Virginia B C C A B C8 10 8 B Missouri B C A C C D11 15 9 B Utah B D C B B A7 5 10 B Iowa B C C B C C

12 13 11 B New Hampshire C B D B A B6 9 12 B Delaware C A C C C C

13 21 13 C Idaho B F B A D B21 11 14 C Texas A F C B C D17 24 15 C Washington B C D C C B5 26 16 C Wisconsin C B C B C C

14 12 17 C Kansas C C B C B C16 27 18 C Georgia B D B C C D20 17 19 C Pennsylvania C B C C C C18 14 20 C Massachusetts D A F B A B33 34 21 C North Carolina B C C C D D22 18 22 C North Dakota C C C C B C27 31 23 C Colorado C D D B B A32 29 24 C Maryland D B C C A C23 25 25 C Alabama C C A C D F25 36 26 C Rhode Island D A D C B C34 40 27 C Connecticut F A D B B A30 19 28 C Ohio C C B D C D37 38 29 C Florida C C C C F B15 16 30 C District of Columbia D A F F A B26 20 31 C Vermont F B D A B A39 28 32 C West Virginia D B A C D F31 22 33 C Indiana C C C D C D36 42 34 C Louisiana C C B D F D

24 39 35 D Illinois D C C C C C29 23 36 D Maine D B C F C C40 30 37 D Oklahoma C D B D D D42 43 38 D South Carolina C D B D D D45 50 39 D Alaska C C F D C C43 45 40 D Arizona C F C C D B47 32 41 D Arkansas C D A D F F38 33 42 D Mississippi C D A D F F35 37 43 D Montana C F C C D B28 35 44 D Kentucky D C B C D F46 44 45 D Nevada C F C D C C

44 41 46 F Hawaii F C F C A A50 47 47 F New Jersey D C D F B C49 46 48 F New Mexico C D C F F C41 48 49 F Oregon D C D D C C48 51 50 F California F D D B C B51 49 51 F New York F B F F C C

Healthcare (20%)

Wellness (10%)

Employment &

Education (10%)

Housing (15%)

Community

Quality of Life (10%)

Financial (35%)

StateOve

rall Grade

Source: LPL Research 05/15/17

Rank2015

Rank

2016 Rank

Which is the most ‘desirable’ state to retire in?

The old adage, “We’re not getting any younger” is true. But, it’s also true that we’re also living longer.

Social Security’s latest projections report that the average 65-year-old man today is expected to live until 84.3, while the average 65-year-old woman is expected to live until 86.6. Meanwhile, 25% of 65-year-olds will live past the age of 90, while 10% will make it past 95.

Workers retiring at what Social Security considers the “full retirement age*” means the average adult will retire at either 66 or 67 years of age. Subtracting the higher age, 67, from the life expectancy years reported above, suggests men will live 17.3 years in retirement and women 19.6 years.

What is important to note is that these numbers are just averages. A man or woman who retires at 67, and is among the 25 percent of seniors who live past 90 years of age, will enjoy 25 years of retirement. And someone who stops working at 63 years of age, and lives until 93, is living in retirement for 30 years.

These, of course, are good problems to have in theory. But, it also highlights the importance of working with your Voyage financial professional to plan and execute your retirement savings thoughtfully and carefully.

Check out the box on the right to calculate your longevity.

Age factors to consider for retirement planning

Page 3

Client Spotlight - Greg EstesRelishing the opportunity to sky dive againWhen you learn what Greg Estes has

been through the past seven years, it’s easy to understand why May 27, 2017 is a date that won’t soon be forgotten by the longtime Voyage Financial Group client and his family and friends.

With several family members, friends and 20 people from his church looking on at Skydive San Marcos, in Fentress, Texas, Estes sky dived for the first time since being diagnosed with cancer of the tailbone in 2010.

Estes, who turns 69 on Sept. 10, was ecstatic to be able to do something that had been a passion of his for so long prior to his health issues.

“I was going to do it by myself but we had to do a tandem jump because the winds were too high,” said Estes, who was accompanied by an instructor and three cameramen. “When I landed, I was just buzzed. I almost forgot what it feels like.”

Estes’ dive can be seen on YouTube (https://www.youtube.com/watch?v=grUTMn2-jsU). The video does a great job of illustrating the entire sky diving experience – from the nervous energy prior to going up in the plane to the exhilaration of jumping at an elevation of 12,000-14,000 feet to the sheer beauty of falling through the blue sky to the relief of landing safely on the ground.

Estes first tried sky diving in the mid-1960s while enrolled at the University of Illinois. He made 20 jumps in college before joining the Marines, fighting in the Vietnam War and, after the service, having a successful business career.

Sky diving became a distant memory, though he never forgot about the thrill and remained interested in it. One day in 1993, he saw a sky diving ad and

Greg Estes during and after his return to sky diving.

thought he would try it again.

“I was hooked,” Estes said. Was he ever - from 1993 to 2010 he made 4,000 jumps.

Estes’ love of sky diving was put on hold when he was diagnosed with cancer. Things got so bad that he almost died in late 2011. But, thankfully, he has slowly recovered where he is now able to get around in a wheelchair.

* At least one surviving individual.Source: Society of Acturaries Mortality Table as of 2015.

Longevity

Interested to know what your life expectancy might be? There

are a number of calculators available online, including one Social Security offers at https://www.ssa.gov/OACT/population/longevity.html

1011 Warrenville Road, Suite 225, Lisle IL 60532877-353-8999 | www.voyagefg.com

Securities and advisory services offered through LPL Financial, a Registered Investment Advisor, member FINRA/SIPC

43

2

1

Voyage night at the Kane County Cougars ballpark

More than 200 attended!

Over 250 clients attend Voyage Halftime meetingsPictured:1. Wayne Waters, Kim Conroy, Tena Klimek, Rick Klimek2. Ron & Lynn Smerek3. Sharon & Carl Olejniczak4. Cathie & Bernie Lawrence