Investment options

Decide how to invest

1. Make an all-in-one-choice. Ready to save, but don't know which direction to take your investments? Consider a Target date portfolio to get started.

2. Manage it yourself. The 403(b) plan’s investment lineup includes a choice of investment options in a variety of asset classes. You can create your own portfolio by selecting individual investment options.

Your Lincoln retirement consultant can help you understand the investment options available to you and provide the information you need to make informed investment decisions. Visit LincolnFinancial.com/FTSchedule to make an appointment with your on-site Lincoln retirement consultant.

If you're a retirement plan investor who would like access to investment options beyond those offered in the plan's investment lineup, the 403(b) plan also offers a Schwab Personal Choice Retirement Account^® (PCRA). Your Lincoln retirement consultant can explain the pros and cons, fees, and risks associated with investing via the PCRA.

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.

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.

Retirement consultants are Lincoln Financial employees and registered representatives of Simplicity Investments, Member Fl NRA/SI PC, 475 Springfield Ave, Summit, NJ 07901, 303-797-9080. Retirement consultants do not provide tax or legal advice.

Lincoln Financial and Simplicty Investments are not affiliates.