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Understand your
investment options

Investing can seem intimidating, but it doesn’t have to be. In fact, your retirement plan offers two ways of creating a diversifed investment portfolio.

Decide how to invest

  1. Make an all-in-one-choice. Ready to save, but don’t know which direction to take your investments? It’s easy to get started with one of our simple but sensible all-in-one models. Along the way, your portfolio will periodically rebalance to its target asset allocation.
  2. Manage it yourself. If you enjoy learning about investments and want to build your own portfolio of investments from the plan’s lineup, this option may be best suited for you.
     

Simply decide how involved you want to be in managing your plan investment portfolio. As your situation changes over time, your investing approach can change too. Once you decide on your approach, review your investment options. 

Talk to a retirement consultant for education and assistance to help you to make informed decisions. 

For detailed information about your investment choices, please see:

Still unsure?

If you don’t know which investments you want to choose, you can still enroll in the plan and select a contribution rate. Your contributions will be automatically invested in the plan’s Qualified Default Investment Alternative (QDIA). Please refer to your enrollment kit for more information on the QDIA.

Note: Prior to November 1, 2002, Legacy Health had the Multi-Fund® Variable Annuity option for their 403(b) plan. This product is no longer available. To transfer assets to the Lincoln Alliance® Program, please contact your Lincoln representative.

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 Financial Advisors Corp. (LFA), a broker-dealer (member FINRA, SIPC) and retail and planning affiliate of Lincoln Financial Group, 1301 S. Harrison St., Fort Wayne, IN 46802. Unaffiliated broker-dealers also may provide services to customers. Lincoln Investment Advisors Corporation (LIAC) is the investment management organization of Lincoln Financial Group.

Variable annuities are long-term investment products designed for retirement purposes and are subject to market fluctuation, investment risk, and possible loss of principal. Variable annuities contain both investment and insurance components, and have fees and charges, including mortality and expense, administrative, and advisory fees. Optional features are available for an additional charge. The annuity’s value fluctuates with the market value of the underlying investment options, and all assets accumulate tax-deferred. Withdrawals of earnings are taxable as ordinary income and, if taken prior to age 59½, may be subject to an additional 10% federal tax. Withdrawals will reduce the death benefit and cash surrender value.

Investors are advised to consider the investment objectives, risks, and charges and expenses of the variable annuity and its underlying investment options carefully before investing. The applicable variable annuity prospectus contains this and other important information about the variable annuity and its underlying investment options. Please call 800-4LINCOLN (800-454-6265) for a free prospectus. Read it carefully before investing or sending money. Products and features are subject to state availability.

Multi-Fund® variable annuities (contract numbers 18829, 18831, 25982, 28645, 28883, 30070-B, and state variations) are issued by The Lincoln National Life Insurance Company, Fort Wayne, IN, and distributed by Lincoln Financial Distributors, Inc., a broker-dealer. The Lincoln National Life Insurance Company does not solicit business in the state of New York, nor is it authorized to do so. Contractual obligations are subject to the claims-paying ability of The Lincoln National Life Insurance Company.

Some investment options may not be available in all states and your employer may restrict the availability of some investment options. The investment return and principal value of an investment will fluctuate so that when withdrawn from the contract it may be worth more or less than the original cost.

There is no additional tax-deferral benefit for an annuity contract purchased in an IRA or other tax-qualified plan. Not for use in New York.
 

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.