THE ENTHUSIASTS

With the kids out of college and out of the house, Paul and Alex are able to put their time and efforts into the hobby that brought them together — showing dogs. Realizing their retirement is fast approaching, Paul and Alex want to take initiative in planning to fulfill their goal of driving across the country showing German Shepherds.

Both Paul and Alex are still working, but their savings have been depleted for their children's college expenses. They each have an employer-sponsored plan, IRA, and several mutual funds.

Because Paul and Alex don't have a lot saved, the main priority is to, if possible, grow and protect what they have. They plan to buy a variable annuity through systematic investments over the next 10 years. A variable annuity will provide the opportunity for potential growth, and protect their initial investment through features at an additional cost. These features will also help them when they finally do retire and need to start taking income.

Learn more about Lincoln's variable annuities.

Variable Annuities are long-term investment products designed particularly for retirement purposes. Variable annuities contain both investment and insurance components, and have fees and charges, including mortality and expense, administrative, and advisory fees. Optional guarantee features are available for an additional charge and are based on the financial strength of the insurer. The annuity's value fluctuates with the market value of the underlying investment options.

This and other important information can be found in the prospectus for the variable annuity product and the prospectus for the underlying investment options. Prospectuses may be obtained from your advisor. Please read it carefully before investing.