Man and woman embracing

Enroll and manage
your account

Congratulations on deciding to enroll in the Harford County Public Schools retirement plan!

Enroll in the plan

To enroll online, go to LincolnFinancial.com  and follow the step-by-step instructions for enrolling in your plan. 
  

Manage your account video
Manage your account online

It's time to take charge of your retirement! Get started today by registering for online account access.

Learn more.

  
Get help with your account

  • Update your contributions or set up  automatic increases at  LincolnFinancial.com. To change your savings rate, go to the Contributions tab, enter a new percentage and click UPDATE. To set up automatic contribution increases, check the sign-up box, enter the percentage, frequency and start date and click UPDATE.
  • Reallocate your balance or update investment elections by logging in to your account at  LincolnFinancial.com.   On the Investments tab, select Change investments, then click the CHANGE INVESTMENTS button and follow the prompts. Click SUBMIT CHANGES to confirm your changes. If you've elected a model, it may automatically rebalance for you. Contact your retirement representative if you have questions.
  • Take a distribution. You may withdraw money from your account when you reach age 59½ or for a qualifying event, as outlined in your enrollment kit.

-  403(b) enrollment kit   

-  457(b) enrollment kit ​

  • Please remember: Distributions from pretax accounts are subject to income tax upon withdrawal. Distributions from Roth accounts are tax-free, as long as certain criteria are met.  Distributions from either pretax or Roth accounts taken before age 59 ½ may be subject to an additional 10% federal tax penalty.  You should consult with a tax advisor before withdrawing any money from your account. Once you are ready to take a distribution, contact your retirement representative for more information and assistance.

Have additional questions about your Harford County Public Schools retirement program?

Mutual funds in the Lincoln Alliance® program are sold by prospectus. An investor should carefully consider the investment objectives, risks, and charges and expenses of the investment company before investing. The prospectus and, if available, the summary prospectus contain this and other important information and should be read carefully before investing or sending money. Investment values will fluctuate with changes in market conditions, so that upon withdrawal, your investment may be worth more or less than the amount originally invested. Prospectuses for any of the mutual funds in the Lincoln Alliance® program are available at 800‑234‑3500.

The Lincoln Alliance® program includes certain services provided by Lincoln Retirement Services Company, LLC and Lincoln Financial Group Trust Company, Inc. with wholesale marketing and distribution services provided by Lincoln Financial Distributors, Inc. (LFD), a wholesale broker-dealer (member FINRA). All entities listed are affiliates of Lincoln Financial Group, the marketing name for Lincoln National Corporation. Unaffiliated broker-dealers also may provide services to customers. Account values are subject to fluctuation, including loss of principal.

This material is provided by The Lincoln National Life Insurance Company, Fort Wayne, IN, and, in New York, Lincoln Life & Annuity Company of New York, Syracuse, NY and their applicable affiliates (collectively referred to as “Lincoln”). This material is intended for general use with the public. Lincoln does not provide investment advice, and this material is not intended to provide investment advice. Lincoln has financial interests that are served by the sale of Lincoln programs, products and services.