Welcome to your Lincoln Financial benefits

Retirement looks different to everyone. Picture what you want and save to make it happen. use the resources on this site to make the most of your plan and the benefits offered through Your Total Rewards package.

Retirement program
Investment options
Helpful resources

The Lincoln Financial retirement program is designed to help you achieve the future you envision.

YOUR RETIREMENT PLANS

Retirement plans are available to employees of Lincoln Financial and full-time Agency Distribution Channel (ADC). Review the plan highlights for specific details for each plan.

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LNC Employees’ 401(k) Savings Plan

LNL Agents' 401(k) Savings Plan

LNL ADC Money Purchase Plan

LNL Agents' Money Purchase Plan

LINCOLN FINANCIAL PENSION PLAN

Pension benefits are available to employees/agents who meet the requirements to participate. The plans are frozen and there are no new entrants. Contact the service center with any questions about your benefits.

Lincoln National Corporation Retirement Plan for Employees Hired Before January 1, 2008
Lincoln Financial Pension Center
866-201-2298
Monday through Friday, 9 a.m. to 5 p.m. ET

LNL Agents' Retirement Plan of The Lincoln National Life Insurance Company
Lincoln Pension Center for Agents
855-887-3593
Monday through Friday, 9 a.m. to 5 p.m. ET

NONQUALIFIED DEFERRED COMPENSATION PLANS

Lincoln Financial also offers nonqualified plans to employees/agents who meet the requirements to participate. The investment options are similar to the 401(k) plans and representative performance and fees are provided below. Contact Nolan Financial Group for help with your deferred compensation plan account.

888-907-8633
Access your account at nolanlink.com.

Performance and fees

Need help?

Your Lincoln Financial retirement consultants are committed to providing you with the information you need to help you meet your retirement goals.

Set up time with a Lincoln Financial retirement consultant for a one-on-one consultation, in-person or over the phone, and get help creating an investment portfolio that matches your savings goals and risk profile.

The 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, 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.

Lincoln retirement consultants are registered representatives of LFD. Retirement consultants do not provide tax or legal advice. Retirement consultants do not provide investment advice or recommendations.

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"). The Lincoln National Life Insurance Company does not solicit business in the state of New York, nor is it authorized to do so. 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.

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Investing doesn’t have to be intimidating. Learn about your options so you can make an informed decision.

Deciding on investments

Investments in the Lincoln Financial retirement plans are organized by the type of fund into four tiers for ease and flexibility.

Before you evaluate the tiers available in your plan, decide how involved you want to be in building your portfolio, and identify the path that aligns with your approach.

ALL-IN-ONE PATH can help you create a simplified, all-in-one investment portfolio from Tier 1.
MANAGE IT YOURSELF PATH can help you create your own portfolio of investments from Tiers 2-4.

ALL-IN-ONE CHOICE	MANAGE IT YOURSELF
Tier 1 - Asset Allocation Target-date funds provide a diversified portfolio that adjusts automatically based on a specific retirement year (target date).	Tier 2 - Passive Core Passively managed, low cost index funds that track the returns of a market index.	Tier 3 - Active Core Actively managed investment options with a variety of objectives ranging from conservative to aggressive.	Tier 4 - Specialty Options Investments that focus on company stock, individual securities and guaranteed income.
Target-Date Funds¹ State Street Target Retirement Fund¹ State Street Target Retirement 2025 Fund State Street Target Retirement 2030 Fund State Street Target Retirement 2035 Fund State Street Target Retirement 2040 Fund State Street Target Retirement 2045 Fund State Street Target Retirement 2050 Fund State Street Target Retirement 2055 Fund State Street Target Retirement 2060 Fund State Street Target Retirement 2065 Fund State Street Target Retirement 2070 Fund State Street Target Retirement Fund	Core Fixed Income Index State Street U.S. Bond Index Fund - Class K² Large Cap Core Index State Street S&P 500 Index Fund - Class K Small-Mid Cap Index State Street Russell Small / Mid Cap Index Fund - Class K² International Index State Street Global All Cap Equity Ex U.S. Index Fund - Class K²	Capital Preservation Lincoln Stable Value Account Fixed Income FIAM Core Plus CIT Class H Real Asset PIMCO Diversified Real Asset Collective Trust Large Cap Value Blackrock Equity Dividend Fund M Large Cap Growth JPMCB Large Cap Growth Fund CF-A Class Small-Mid Cap Equity Value Macquarie Small Cap Value Fund (R6) Mid Cap Equity Growth AB Discovery Growth Fund - Class Z International Equity Value Acadian All-Country World ex-US Equity CIT Fund International Equity Growth MFS International Equity Growth	Company Stock LNC Stock Fund⁴ Self-Directed Brokerage² Schwab Personal Choice Retirement Account^® (PCRA)³ enrollment instructions Guaranteed Income Income America 5ForLife⁵ Income America In Retirement Fund Class 5ForLife-L Income America 2030 Fund Class 5ForLife-L Income America 2035 Fund Class 5ForLife-L Income America 2040 Fund Class 5ForLife-L FAQ

ALL-IN-ONE CHOICE

MANAGE IT YOURSELF

Tier 1 - Asset Allocation

Target-date funds provide a diversified portfolio that adjusts automatically based on a specific retirement year (target date).

Tier 2 - Passive Core

Passively managed, low cost index funds that track the returns of a market index.

Tier 3 - Active Core

Actively managed investment options with a variety of objectives ranging from conservative to aggressive.

Tier 4 - Specialty Options

Investments that focus on company stock, individual securities and guaranteed income.

Target-Date Funds¹

State Street Target Retirement Fund¹

State Street Target Retirement 2025 Fund
State Street Target Retirement 2030 Fund
State Street Target Retirement 2035 Fund
State Street Target Retirement 2040 Fund
State Street Target Retirement 2045 Fund
State Street Target Retirement 2050 Fund
State Street Target Retirement 2055 Fund
State Street Target Retirement 2060 Fund
State Street Target Retirement 2065 Fund
State Street Target Retirement 2070 Fund
State Street Target Retirement Fund

Core Fixed Income Index
State Street U.S. Bond Index Fund - Class K²

Large Cap Core Index
State Street S&P 500 Index Fund - Class K

Small-Mid Cap Index
State Street Russell Small / Mid Cap Index Fund - Class K²

International Index State Street Global All Cap Equity Ex U.S. Index Fund - Class K²

Capital Preservation
Lincoln Stable Value Account

Fixed Income
FIAM Core Plus CIT Class H

Real Asset
PIMCO Diversified Real Asset Collective Trust

Large Cap Value
Blackrock Equity Dividend Fund M

Large Cap Growth
JPMCB Large Cap Growth Fund CF-A Class

Small-Mid Cap Equity Value

Macquarie Small Cap Value Fund (R6)

Mid Cap Equity Growth
AB Discovery Growth Fund - Class Z

International Equity Value
Acadian All-Country World ex-US Equity CIT Fund

International Equity Growth
MFS International Equity Growth

Company Stock
LNC Stock Fund⁴

Self-Directed Brokerage²
Schwab Personal Choice Retirement Account^® (PCRA)³ enrollment instructions

Guaranteed Income
Income America 5ForLife⁵
Income America In Retirement Fund Class 5ForLife-L
Income America 2030 Fund Class 5ForLife-L
Income America 2035 Fund Class 5ForLife-L
Income America 2040 Fund Class 5ForLife-L
FAQ

¹The target date is the approximate date when investors plan to retire or start withdrawing their money.

²No front-end sales charge or redemption fee. For detailed fee information, refer to the Participant Fee Disclosure Notice Supplement at the Plan Information tab.

³Investment option not available for the nonqualified deferred compensation plans.

⁴Investment option not available for the LNL Agents' Money Purchase Pension Plan.

⁵Income America Funds are a series of target date portfolios which are Great Gray Trust Company, LLC collective trust funds. The Income America 5ForLife portfolios include a group annuity contract, which provides a participant with guaranteed annual retirement income that is supported by a contract between the trustee and the following insurance companies, The Lincoln National Life Insurance Company, Fort Wayne, IN and Nationwide Insurance Company, Columbus, OH. Contractual obligations are subject to the claims-paying ability of the issuers. The Lincoln National Life Insurance Company does not solicit business in the state of New York, nor is it authorized to do so. For complete disclosures, including issuing company and other insurer details, please visit incomeamerica.com.

Great Gray Trust Company, LLC is not an affiliate of Lincoln National Corporation.

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, 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.

The Lincoln Stable Value Account is a group fixed annuity issued by The Lincoln National Life Insurance Company, Fort Wayne, IN. The Lincoln National Life Insurance Company does not solicit business in the state of New York, nor is it authorized to do so. For contracts issued in New York, the Lincoln NY Stable Value Account is a fixed annuity issued by Lincoln Life & Annuity Company of New York, Syracuse, NY.

Schwab Personal Choice Retirement Account^® (PCRA) is offered through Charles Schwab & Co., Inc. (Member SIPC), the registered broker/dealer, which also provides other brokerage and custody services to its customers.

Before investing, carefully consider the investment objectives, risks, charges, and expenses. To obtain a prospectus containing this and other important information, please call a Schwab representative at 888-393-7272. Please carefully read before investing.

Charles Schwab & Co., Inc. and Lincoln Financial are not affiliated and are not responsible for the products and services provided by the other.

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Taking care of your financial health today can help you look forward to a bright tomorrow.

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Face retirement with confidence

Imagine your future

Valuable benefits for you

YOUR RETIREMENT PLANS

LINCOLN FINANCIAL PENSION PLAN

NONQUALIFIED DEFERRED COMPENSATION PLANS

Need help?

Deciding on investments

OUR TIERED INVESTMENT LINEUP

ANNUAL CONTRIBUTION LIMITS

Resources for your retirement needs