IT'S EASY TO GET STARTED JUST THREE SIMPLE STEPS CAN GET YOU GOING: Step 1. CHOOSE A PORTFOLIO OPTIMIZATION FUND Already know your risk tolerance? Choose a model that's right for you. If you are unsure of your risk tolerance, fill out the questionaire. Your financial professional will score it online and provide you with an investment policy statement for the model that matches your personal investment style. Step 2. CHOOSE INDIVIDUAL FUNDS If you'd rather create your own portfolio, select your funds on the application. Make sure your total allocations equal 100%. Step 3. BEGIN INVESTING TODAY Even the smallest investment can make a difference over the long term. Simply complete the application and any necessary forms with your financial professional today. SIMPLIFY! Consider simplifying your life by having all your existing investments — such as an IRA or a 529 plan — with Pacific Life Funds. When you do, you'll: Save money — By using our Rights of Accumulation feature, you can avoid or minimize sales charges on your total Class A share purchases (past, present, and in some cases, future). We will automatically combine all of your Pacific Life Funds purchases allowing you to take advantage of reduced sales charges. Make it easy — Go online to review all of your holdings or make transactions between accounts when it's convenient for you.

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