Financial professionals | Lincoln Financial Advisors with Sagemark Consulting

Financial professionals

Ours is a do-it-yourself society.

Nonetheless, we also know there are some things best left to professionals — jobs too important to risk doing ourselves.

Those jobs include building a financial strategy. Not that there isn't the temptation to try to reach your financial goals on your own. In the short run, you might even save some money. Over the long term, though, wouldn't you rather rely on a specialist?

Do I need a financial professional?

With so much information so readily available, it's easy to feel like a financial professional. But try asking yourself these simple questions:

Do I have a clear understanding of my financial goals?
Do I understand all the investment options available to help me toward reaching those goals?
Do I know which of those options are appropriate for me?
Do I have the expertise to build a financial strategy and the discipline to stick to it through good times and bad?
Do I have the time and expertise required to monitor and manage my investments?

If you answered "no" to even one of these questions, you may want to consider talking to a financial professional.

What can I expect?

Truly effective financial professionals begin by assessing their clients' needs, not by simply recommending specific investments. You can expect your professional to begin by:

Assessing your current financial situation
Helping identify your financial needs
Determining your risk tolerance
Establishing your investment time horizon
Helping you formulate a long-term investment strategy

Next, you can expect a financial professional to research a variety of investment choices and match them to your specific needs. This includes:

Explaining the risks and rewards of each type of investment
Explaining how each type of investment works
Helping you build an asset allocation strategy

Once you've worked together to choose the investments that are appropriate for you, you can expect an ongoing relationship with your financial professional. This means:

Reviewing your personal and financial situation on a regular basis
Reviewing your portfolio and helping you make adjustments when necessary
Guiding you through the ups and downs of investing

How do I choose the right financial professional?

Choosing your financial professional could be the most important investment decision you'll make. Think about:

Does this person understand my investment goals?
Does this person respect my tolerance for risk?
Am I comfortable saying "no" to one of the recommendations?
Would I recommend this person's services to my friends or family?

Because your investment and insurance needs are unique, you'll want to find someone who will take the time to understand your goals and work with you to make your dreams come true. In fact, when it comes to building a long-term investment strategy, a well-chosen financial professional may be your most valuable asset.

Why choose a Lincoln Financial Advisors financial professional?

For more than 50 years, Lincoln Financial Advisors Corporation has offered investors a wide array of securities and insurance-related programs through a nationwide network of financial professionals.

We provide our financial professionals with the specialized support they require to help meet their clients' individual needs. This includes access to a multitude of mutual funds as well as a broad spectrum of other products. In addition, Lincoln Financial Advisors offers its financial professionals access to the stock and bond markets.

By combining its tradition of quality, service and strength with the experience and expertise of financial professionals nationwide, Lincoln Financial Advisors Corporation can offer help with your financial needs.

Lincoln Financial Advisors Corporation is a member of the Financial Industry Regulatory Authority (FINRA), and the Securities Investors Protection Corporation (SIPC).

Any entity named here is separate and not an affiliate of Lincoln Financial Group or any of its affiliates. Any third-party trademarks and service marks appearing herein are the property of their respective owners.

Lincoln Financial Network is the marketing name for Lincoln Financial Advisors Corp. and Lincoln Financial Securities Corporation, affiliates of Lincoln Financial Group. Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates.

Securities offered through Lincoln Financial Advisors Corp., a member of SIPC, 1301 South Harrison Street, Fort Wayne, IN., 46802, tel: 800-237-3813. Investment advisory services offered through Lincoln Financial Advisors Corp. or Sagemark Consulting, a division of Lincoln Financial Advisors Corp., a registered investment adviser. Insurance offered through Lincoln affiliates and other fine companies. In Michigan, securities and investment advisory services offered through Lincoln Financial Advisors Corp. a broker-dealer, a registered investment adviser and an insurance agency. In California, insurance offered through Lincoln Marketing and Insurance Agency, LLC and Lincoln Associates Insurance Agency, Inc. and other fine companies. In Utah, LFA Insurance Agency. In Washington, insurance offered through Lincoln Financial Advisors Corp., LFA, Limited Liability Company and other fine companies. Lincoln Financial Advisors Corp. and its financial professionals do not provide legal or tax advice.

Not all financial professionals with our firm are able to offer advisory services.

See Lincoln Financial Advisors Corp. (LFA’s) Form CRS - Customer Relationship Summary, available here, for succinct information about the relationships and services LFA offers to retail investors, related fees and costs, specified conflicts of interest, standards of conduct, and disciplinary history, among other things. LFA’s Forms ADV, Part 2A, which describe LFA’s investment advisory services, Regulation Best Interest Disclosure Document, which describes LFA’s broker-dealer services, and other client disclosure documents can be found here.

Wealthscape Investor℠ is a service mark of FMR LLC.

Fidelity Investments is a leading provider of investment management, retirement planning, portfolio guidance, brokerage, benefits outsourcing and other financial products and services to institutions, financial intermediaries, and individuals. For more information about Fidelity Investments, visit Fidelity.com.

Fidelity Investments ("Fidelity") is an independent company, unaffiliated with Lincoln Financial Advisors Corp. ("LFA"). Fidelity is a service provider to LFA. There is no form of legal partnership, agency affiliation, or similar relationship between your financial professional and Fidelity, nor is such a relationship created or implied by the information herein. Fidelity is a registered service mark of FMR LLC. Fidelity Investments provides clearing, custody, or other brokerage services through National Financial Services LLC or Fidelity Brokerage Services LLC, Members NYSE, SIPC. 908746.2.0

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