PDF RETIREMENT PLAN SERVICES Design an investment program for ...

RETIREMENT PLAN SERVICES

Design an investment program for every type of participant

Offer three paths toward retirement readiness

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Lincoln Alliance? program

For plan sponsor use only. Not for use with plan participants.

The Lincoln difference

We have a passion for delivering a highly personal experience because we believe it helps improve outcomes.

That's why, investment

with Lincoln, you and your advisor or program to the specific needs of your

consultant can tailor an organization and participants.

When you and your advisor or consultant work with Lincoln, you get the flexibility to design a retirement plan that best fits your organization and your participants. That's because we take the time to thoroughly understand your culture, your plan and your employees. So you and your advisor or consultant can develop a plan lineup that's consistent with your investment philosophy and participant population.

Choose the investment approach that best meets your needs ? A flexible open-architecture platform with access to more than 11,000 mutual funds from

more than 500 fund families to create a custom lineup ? Six diversified lineups geared toward your participant population offered through

Morningstar Investment Management LLC, who acts as a fiduciary

Get flexible solutions ? A range of Qualified Default Investment Alternatives (QDIAs) customized to your

participant base ? Comprehensive administrative support for custom portfolios ? Managed accounts offered by independent industry leader Morningstar?

Depend on our 110 years of risk management experience ? In-plan options that convert plan savings to guaranteed retirement income1 ? Competitive stable value solutions2

1A ll contract guarantees, including those for guaranteed income or annuity payout rates, are subject to the claims-paying ability of the issuing insurance company. 2I bid.

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Support better plan outcomes with an investment path for every type of participant investor.

Draw on a full range of investment products and services to develop participant-centered lineups. To help achieve the best possible plan outcomes, it's critical to design an investment program that offers a path to retirement readiness for every type of participant. Lincoln has identified three different types of participant investors with three very different approaches to investing in their plans.

Engage every type of participant investor; offer options from all three investment paths.

To engage every participant investor, we make three investment approaches available, organized as three paths--each one designed to meet a different set of needs. Once you and your advisor or consultant have tailored your investment lineup, this path framework allows your participants to choose the approach that suits them best.

MAKE AN ALLIN-ONE CHOICE

Many participants prefer an all-in-one, diversified investment, such as a target-date solution.

MANAGE IT YOURSELF

WORK WITH A PROFESSIONAL

Another segment prefers to manage their own plan accounts, but is eager to access education and resources to help validate their investment strategies.

A third participant segment is more comfortable having their accounts professionally managed.

In the pages that follow, you'll learn how we help support the three paths to retirement readiness.

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Make an all-in-one choice

Many participants take this path to retirement readiness. That's why selecting the right all-in-one portfolio for your plan is critical.

LifeSpanSM custom portfolio service Our flexible administrative platform lets you offer custom portfolios made from funds in your plan's existing lineup, giving your participants one-choice funds you and your consultant or advisor have selected. Custom portfolios with the Lincoln Secured Retirement IncomeSM investment option Custom target-date portfolios automatically shift participants' account balances into a guaranteed retirement income option.

Your choice of target-date funds You can select a target-date fund series from a leading mutual fund family of your choice.

The all-in-one choice option you select can be used as a QDIA. The target date is the approximate date when investors plan to retire or start withdrawing their money. Some target-date funds make no changes in asset allocation after the target date is reached; other target-date funds continue to make asset allocation changes following the target date. (See the prospectus for the fund's allocation strategy.) The principal value is not guaranteed at any time, including at the target date. An asset allocation strategy doesn't guarantee performance or protect against investment losses. A "fund of funds" has an additional level of expensing.

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Manage it yourself

Manage it yourself investors prefer investment choice. Your advisor or consultant can help you determine the best way to offer these participants the resources they may need to build and manage their portfolios.

Offer your participants a variety of investment options.

Your plan lineup Manage it yourself participants can choose funds from the investment lineup you and your advisor or consultant has built using our open-architecture platform. This platform offers more than 11,000 mutual funds from more than 500 fund families. Or you could consider offering one of the six diversified lineups in the Morningstar Insight Series. These lineups are geared to your participant population. Additionally, in this case, Morningstar acts as a fiduciary for these lineups.

Include risk-managed options in your plan lineup.

Lincoln Stable Value solutions

As a premier provider of stable value solutions for more than 30 years, we provide risk management expertise, financial strength and attractive contract provisions.

Lincoln Secured Retirement IncomeSM option

This option offers guaranteed retirement income, protection from market declines, and participation in rising markets.

Provide additional services.

Morningstar's Managed by You advice Managed by You advice from Morningstar?, provided by Morningstar Investment Management LLC, includes recommendations about investments, contribution levels and savings sufficiency that participants can implement themselves at no cost to them or to the plan.

Self-directed brokerage account

This type of account gives participants access to additional investment choices, including thousands of mutual funds, stocks, bonds and exchange-traded funds (ETFs) through TD Ameritrade.3

Work with a professional

Some participants feel more comfortable on the path to retirement readiness when their retirement plan account is professionally managed. These participants may want to work one-on-one with a financial professional. When that's not possible, a convenient online managed account service may offer the assurance they need.

Managed by Morningstar? is an online managed account service from Morningstar Investment Management LLC, an independent provider of investment advisory services. The service builds personalized portfolios using plan investments and takes outside assets into consideration--all at a reasonable cost to participants who enroll. Morningstar acts as fiduciary for accounts they manage.

3The universe of options is limited to mutual funds for 403(b) plans, and some restrictions may apply based on plan type.

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