Retirement Solutions

You and your clients can feel confident you’re dealing with one of the nation’s leading providers of retirement programs—serving 401(k) plans of all sizes with a commitment to everyday excellence. Lincoln Financial's programs for micro-, small- and mid-sized plans offer:

• Diversity. Hundreds of investment options from nearly 30 well-known money managers, with no proprietary fund requirements, allow investors to carefully balance risk and return and follow long-term strategies.
• Simplicity. Risk-based and target-date asset allocation funds, managed accounts, online guidance, specially customized lineups, and Qualified Default Investment Alternatives from some of the industry’s most respected, independent registered investment advisors are available to help simplify investment decisions.
• Protection. Extensive fiduciary support allows your clients to concentrate on their top priority: their businesses. The Lincoln DirectorSM program offers fiduciary services from three industry leaders—Lincoln Financial, Ibbotson Associates, and Stadion Money Management. Lincoln Financial also facilitates access to Multiple Employer Plans.
• Ease. Flexible, competitive pricing and underwriting, comprehensive enrollment assistance, administrative excellence, and a steady stream of communication are all part of a service model designed to make us easy to do business with and help you win and keep clients.

Three powerful levels of fiduciary support in the Lincoln Director^SM product from Lincoln Financial and two other leading names in retirement planning: Ibbotson Associates and Stadion Money Management. [more]

A formal fiduciary pledge—the Lincoln Financial Group^® Fiduciary Services Guarantee—that the investment options available enable plan sponsors to meet ERISA fiduciary requirements [more]

A leading investment advisor—Ibbotson Associates, Inc.— Your clients have access to specially crafted investment subsets chosen and monitored by Ibbotson Associates, an independent registered investment advisor offering an additional layer of fiduciary protection. It also provides a customized Investment Policy Statement and a pledge of fiduciary responsibility in the selection, deselection, and monitoring of investment options.

Active investment management by Stadion Money Management — The Stadion Qualified Default Investment Alternative (QDIA) offers an additional layer of 404(c) legal protection for assets invested in them — even if the plan isn’t ERISA 404(c) compliant. Additionally, Stadion includes a warranty indemnifying the plan sponsor should Station fail to meet certain requirements. Participants receive active account management aimed at limiting losses during the market’s worst times.

Innovative lifetime distribution options include the patented i4LIFE^® Advantage, which can help ensure lifetime income, growth potential with the security of receiving guaranteed retirement income checks, and control over assets.  [more]      

Lessen the load. Lincoln Financial can facilitate your clients' membership in a Multiple Employer Plan, which helps to reduce their fiduciary responsibilities. [more]

Help boost your business with ongoing advisor support that includes The 401k Coach Boot Camp^TM program, access to Form 5500 profiles through Larkspur Data Resources, and monthly sales ideas.

Help participants save smarter. The Lincoln LifeSpan^® learning program is designed to help participants through every stage of retirement planning—from plan awareness and enrollment through their building years and into retirement. [more]

Disclosures

Ibbotson Associates Inc. is a registered investment advisor and a wholly owned subsidiary of Morningstar, Inc. Neither Ibbotson nor Morningstar are affiliated with Lincoln Financial Group. The Ibbotson name is a registered mark of Morningstar, Inc.

Stadion investment advice and account management services are provided by Stadion Money Management, Inc. Stadion Money Management, Inc. is an independent registered advisor for Stadion and is not affiliated with Lincoln Financial Group.

Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates.

Affiliates are separately responsible for their own financial and contractual obligations.

©2010 Lincoln National Corporation

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