Christopher A. Beaulieu, ChFC

<body bgcolor="#ffffff" text="#000000"> <table style="font-family:Arial, Helvetica, sans-serif;" border="0" cellpadding="0" cellspacing="0" width="609"> <tr> <td width="384" valign="top"> <table cellpadding="3" cellspacing="0" border="0" width="384"> <tr> <td align="center" width="1%" valign="middle"> <img src="/files/11977/chris2.JPG" alt="Christopher A. Beaulieu, ChFC" height="182" width="145" border="0"> </td> <td> <img src="/graphics/spacer.gif" WIDTH="10" HEIGHT="1" border="0"></td> <td align="left" valign="middle" width="99%"> <span style="font: 10pt Arial, Helvetica, sans-serif;"> <b>Christopher A. Beaulieu, ChFC <br>Senior Financial Adviser</b> <br> <br>935 Jefferson Blvd. <br>Warwick, RI 02886 <br>Phone: 401.691.4128 (or) 866.691.4128 <br>FAX: 401.739.9129 (or) 866.235.7775 <br> <table border="0" cellpadding="0" cellspacing="0"> <tr style="font:10pt Arial, Helvetica, sans-serif; vertical-align:top;"> <td>Email:  </td><td> <a href="mailto:cbeaulieu@jhnetwork.com"> cbeaulieu@jhnetwork.com</a> <br> </td> </tr> </table> </span> </td> </tr> <tr> <td colspan="4" style="font: 10pt Arial, Helvetica, sans-serif; vertical-align:top;"> <p><font face="Arial, helvetica, sans-serif" size=2>My name is Christopher Beaulieu. Welcome to my Web site. </font><br> <br> <font face="Arial, helvetica, sans-serif" size=2>As a Senior Financial Adviser of Beaulieu Financial Group, a member of the John Hancock Financial Network and active member of my community, I am dedicated to helping individuals and businesses build their financial futures. <br> </font><br> <font face="Arial, helvetica, sans-serif" size=2>To stay on top of my field and develop my professional skills, I’ve regularly attended industry training and certification programs. </font></p> <p><font face="Arial, helvetica, sans-serif" size=2>My academic achievements include:</font></p> <font face="Arial, helvetica, sans-serif" size=2> <p class=MsoNormal style="MARGIN: 0in 0in 0pt"><font size=3><font face="Times new roman"><b style="mso-bidi-font-weight: normal">The </b><?xml:namespace prefix = st1 ns = "urn:schemas-microsoft-com:office:smarttags" /><st1:place><st1:placetype><b style="mso-bidi-font-weight: normal">University</b></st1:placetype><b style="mso-bidi-font-weight: normal"> of </b><st1:placename><b style="mso-bidi-font-weight: normal">Rhode Island</b></st1:placename></st1:place><b style="mso-bidi-font-weight: normal"><?xml:namespace prefix = o ns = "urn:schemas-microsoft-com:office:office" /><o:p></o:p></b></font></font></p> <p class=MsoNormal style="MARGIN: 0in 0in 0pt"><b style="mso-bidi-font-weight: normal"><font size=3><font face="Times new roman"><span style="mso-tab-count: 1"> </span>Bachelor of Science<span style="mso-tab-count: 2"> </span><span style="mso-spacerun: yes"> </span><o:p></o:p></font></font></b></p> <p class=MsoNormal style="MARGIN: 0in 0in 0pt; text-indent: 0.5in"><b style="mso-bidi-font-weight: normal"><font size=3><font face="Times new roman">Double Major:<span style="mso-spacerun: yes"> </span><span style="mso-spacerun: yes"> </span>Finance & Insurance<o:p></o:p></font></font></b></p> <p class=MsoNormal style="MARGIN: 0in 0in 0pt"><b style="mso-bidi-font-weight: normal"><span style="FONT-SIZE: 10pt"><o:p><font face="Times new roman"> </font></o:p></span></b></p> <p class=MsoNormal style="MARGIN: 0in 0in 0pt"><font size=3><font face="Times new roman"><b style="mso-bidi-font-weight: normal">The </b><st1:place><st1:placename><b style="mso-bidi-font-weight: normal">American</b></st1:placename><b style="mso-bidi-font-weight: normal"></b><st1:placetype><b style="mso-bidi-font-weight: normal">College</b></st1:placetype></st1:place><b style="mso-bidi-font-weight: normal"><o:p></o:p></b></font></font></p> <p class=MsoNormal style="MARGIN: 0in 0in 0pt; text-indent: 0.5in"><b style="mso-bidi-font-weight: normal"><font size=3><font face="Times new roman">ChFC® Designation<o:p></o:p></font></font></b></p> <p class=MsoNormal style="MARGIN: 0in 0in 0pt; text-indent: 0.5in"><b style="mso-bidi-font-weight: normal"><font size=3><font face="Times new roman">Chartered Financial Consultant ®<span style="mso-tab-count: 1"> </span></font></font><o:p></o:p></b></p> <p></font><font face="Arial, helvetica, sans-serif" size=2>My education, experience and professional affiliations have fostered my practical approach to offering financial services and advice to my clients. Rather than just recommending a hodgepodge of unrelated products, first I’ll consider your specific financial goals and investment objectives. Working together, we’ll formulate a strategy to help you achieve your goals. Then I’ll recommend the appropriate products and services to help you execute your strategy.</font><br> <br> <font face="Arial, helvetica, sans-serif" size=2>Maintaining a strong sense of community and a solid professional foundation are very important to me. <br> </font><br> <font face=Arial size=2>My wife Julie and I have three children, Alexa, Jacob & Katerina, and we currently live in Warwick, RI.</font><br> <br> <font face="Arial, helvetica, sans-serif" size=2>Thank you for visiting my website. </font><br> <font face="Arial, helvetica, sans-serif" size=2><br> <br> </p> </font> </td> </tr> </table> <table border="0" cellpadding="0" cellspacing="0" width="384"> <tr><td colspan="2" width="192" height="43" valign="bottom"><img src="/graphics/J/TSIa_r4_c1.gif" width="192" height="43" border="0" alt="Calculators"></td><td colspan="2" width="192" height="43" valign="bottom"><img src="/graphics/J/TSIa_r4_c4.gif" width="192" height="43" border="0" alt="Newsletters"></td></tr> <tr><td width="14" valign="top" background="/graphics/J/TSIa_r5_c1.gif"> </td> <td valign="top" width="178"> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=136" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Cost of Retirement</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>Use this calculator to estimate how much income and savings you may need in retirement.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=137" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Impact of Inflation</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>Estimate the future cost of an item based on today’s prices and the rate of inflation you expect.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=695" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Retirement Plan Early Distribution</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>Estimate how much would remain after paying income taxes and penalties if you took an early distribution from a retirement plan.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=702" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Retirement Portfolio Lifespan</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>How Long Will Your Funds Last?</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=calc_hdr.cfm" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#FF0000">More Calculators>>></font></b></a> </p> </td><td width="14" valign="top" background="/graphics/J/TSIa_r5_c4.gif"> </td> <td valign="top" width="178"> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=3219" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">The Financial State of the States </font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> Many state and local governments have struggled with lower tax receipts and large budget deficits — during and after the recession. This article offers a closer look at the financial pressures facing the states and how the methods used to address budget shortfalls could ultimately serve as a drag on the national economy.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=3113" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Is Your Business Ready for a Structure Change </font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> Periodically, business owners may want to reconsider whether their current business structure is meeting the needs of their companies. For business owners seeking to expand their operations and reduce their exposure to risk, a popular entity has been the limited liability company. This article describes some additional benefits associated with LLCs. </font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=2701" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Protecting What May Be Your Most Valuable Asset</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> Statistics indicate 43% of 40-year-olds will suffer at least one long-term disability (lasting 90 days or longer) before age 65. Disability income insurance could help protect your most valuable asset: your ability to earn an income. </font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=2739" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Consider Your Retirement Needs, but Don't Forget Your Retirement Wants</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> A rule of thumb is that workers will need to replace about 80% of their pre-retirement incomes to maintain their standard of living in retirement. But they may need more than 80% to fund a lifestyle that they can truly look forward to. As people grow older, what once may have been considered luxuries can become basic needs.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=news_hdr.cfm" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#FF0000">More Newsletters>>></font></b></a> </p> </td></tr> </table> </td> <td width="225" valign="top"> <table border="0" cellpadding="0" cellspacing="0" width="225"> <tr> <td colspan="2" width="225" height="32" valign="bottom"> <img src="/graphics/J/TSIa_r1_c6.gif" width="225" height="32" border="0" alt="Market Watch"></td> </tr> <tr> <td width="14" background="/graphics/J/TSIa_r2_c6.gif"> </td> <td valign="top" width="211"> <font face="Arial, Helvetica, sans-serif" size="1"> <b>January 27, 2012 @ 09:28 PM</b><br><br></font> <table border="0" cellpadding="1" cellspacing="0" width="200"> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$INDU" target="mondo"><strong>Dow Jones Industrials</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>12,660.46</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 74.17</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$COMPQ" target="mondo"><strong>Nasdaq Composite</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong> 2,816.55</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>+ 11.27</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$SPX" target="mondo"><strong>S&P 500</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong> 1,316.33</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 2.10</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$MID" target="mondo"><strong>S&P Mid-Cap 400</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong> 942.11</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#008000"> <strong>+ 4.59</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$TNX" target="mondo"><strong>10 Year Treasury Note</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong> 1.90</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 0.03</strong></font></td></tr> <tr><form action="http://www.emerald.idmanagedsolutions.com/stocks/quote?symbol=" method="get" target="mondo"> <td align="center" colspan="3"><br><input type="text" size="6" maxlength="6" name="s" value=""> <input type=submit value="Get Quote"></td></form></tr><tr><td colspan="3" align="center"><font face="Arial, Helvetica, sans-serif" size="-2"> <br>[ <a style="text-decoration:none; color: #000000" href="markets.cfm" target="mondo"><font color="#000000">Markets</font></a> | <a style="text-decoration:none; color: #000000" href="charts.cfm" target="mondo"><font color="#000000">Charts</font></a> | <a style="text-decoration:none; color: #000000" href="quotes.cfm" target="mondo"><font color="#000000">Quotes</font></a> | <a style="text-decoration:none; color: #000000" href="portfolio.cfm" target="mondo"><font color="#000000">Portfolio</font></a> ]</font></td> </tr><tr><td colspan="3" align="center"><font face="Arial, Helvetica, sans-serif" style="font-size:7pt;"><br>Market data delayed per exchange rules. <br>All quotes are in US Eastern Time (EST). <br>© eSignal. A division of  <br>Interactive Data Corporation. (NYSE:IDC)  <br>All rights reserved.</font></td> </tr></table> </td> </tr> <tr> <td colspan="2" width="192" height="43"><img src="/graphics/J/TSIa_r4_c6.gif" width="225" height="43" border="0"></td> </tr><tr> <td rowspan="13" width="14" valign="top" background="/graphics/J/TSIa_r5_c6.gif"> </td> <td width="211"><a href="index.cfm?type=R&source=research_hdr.cfm" target="_top"> <img src="/graphics/J/TSIa_r5_c7.gif" width="211" height="52" border="0" alt="Articles"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1">Educate yourself on a variety of <br> financial topics.</font></td> </tr><tr> <td width="211"><a href="index.cfm?type=C&source=calc_hdr.cfm" target="_top"> <img src="/graphics/J/TSIa_r7_c7.gif" width="211" height="56" border="0" alt="Calculators"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1">A host of financial tools to assist<br>you.</font></td> </tr><tr> <td width="211"><a href="index.cfm?type=N&source=news_hdr.cfm" target="_top"> <img src="/graphics/J/TSIa_r9_c7.gif" width="211" height="56" border="0" alt="Newsletters"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1"> Timely Newsletters to help you<br>stay current.</font></td> </tr> <tr> <td width="211"> <a href="glossary.cfm" target="mondo"> <img src="/graphics/J/TSIa_r11_c7.gif" width="211" height="56" border="0" alt="Glossary"></a></td> </tr> <tr> <td valign="top" width="211"> <font size="1" face="Arial, Helvetica, sans-serif"> Financial terms from A to Z. </font> </td> </tr> <tr> <td width="211"><img name="Leftnavmain_r13_c7" src="/graphics/J/TSIa_r13_c7.gif" width="211" height="14" border="0"></td> </tr> </table> </td> </tr> <tr><td colspan="3"><br> <div style="text-align:center; font-family:Arial, Helvetica, sans-serif; font-size:10px;"> <p> 935 JEFFERSON BLVD. - WARWICK, RI 02886 - 401-732-4800 </p> </div> <p style="text-align:center; font-family:Arial, Helvetica, sans-serif; font-size:10px;">We are licensed to sell Insurance Products in the following states:<br /> Arizona, Connecticut, Florida, Massachusetts, Maine, New Jersey, Pennsylvania, Rhode Island.</p> <p style="text-align:center; font-family:Arial, Helvetica, sans-serif; font-size:10px;">We are registered to sell Securities in the following states:<br /> Arizona, Connecticut, Florida, Massachusetts, Maine, New Jersey, Pennsylvania, Rhode Island.</p> <p style="text-align:center; font-family:Arial, Helvetica, sans-serif; font-size:10px;"> Offering John Hancock insurance products.<br> Securities and Investment Advisory Services offered through Signator Investors, Inc.,<br> Member <a href="http://www.finra.org" target="_blank">FINRA</a>, <a href="http://www.sipc.org" target="_blank">SIPC</a>, a Registered Investment Advisor. </p> <p style="text-align:center; 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