The financial landscape is changing at a dizzying pace. More than ever before, consumers are seeking exceptional service, convenience and confidence ; especially when it comes to managing their finances. Service providers are expected to offer the leading-edge technology, products and services needed to put individuals in charge of their own financial affairs ; quickly and conveniently, with an organization they can trust.

If your vision is to enter into or expand within the financial services industry, then Lincoln Financial Advisors has the financial strength, objectivity and planning expertise you are looking for from a business partner.

Rather than trying to meet consumers' comprehensive financial needs yourself ; a time-consuming, costly and labor-intensive proposition ; why not partner with a company that can? Through LFA SolutionsLinc^SM, you can offer investment planning, estate planning, retirement planning, education planning services and insurance.

A Beneficial Alliance
When you join forces with Lincoln Financial Advisors, a leading financial services organization, you're assured of the highest ethical behavior. We respect your relationship with your clients, customers or members and see our role as supporting that relationship.

We provide you access to Lincoln Financial Group (the marketing name for Lincoln National Corporation and its affiiates). Lincoln financial Group had over $94 billion in assets and $6.4 billion in annual revenues in 2001. In addition, Lincoln Financial Advisors also will deliver the necessary compliance and regulatory requirements for conducting financial service business within your industry.

An alliance with Lincoln Financial Advisors will result in value added services for your clients, customers or members, as well as a signifiant revenue source for your fim.

Put Our Planning Capabilities to Work
Inflation. Changing tax laws. Volatile financial markets. Evolving personal, business and family circumstances. Each can impact consumers' financial futures, and each can cloud their financial vision. Certainly, it can be overwhelming to keep up with or, for that matter, respond to the implications of every financial event that may impact them. But you don't have to. That's where our partnership can help.

It's all about anticipating these events, understanding their implications and then positioning consumers to most effectively respond to them. It's all about letting consumers know what they need to know so they can make the right choices ; in advance, before it's too late. It's all about having the proper perspective. About developing the right plan. And developing it clearly, concisely, completely. Here's a summary of how we help to do just that:

Investing with greater confidence.
In today's world, obtaining investment information is easy. Choosing the actual investments is much more difficult. Our investment specialists help clients identify their investment objectives, determine their risk tolerance and analyze their current investment portfolio. With that information, we help them determine the asset allocation strategy that's right for them. And, based on their individual preferences, we recommend specific investment products to fund their strategy. Because the world's financial markets and economies are in a constant state of flux, we regularly re-evaluate their portfolio to help ensure that it continues to meet their needs and goals.

Reducing the burden of estate taxes.
Estate taxes can claim one half of everything Americans own. Proper planning is a necessity ; it is an important step to assure that they minimize estate settlement costs and maximize the size of the estate they preserve for their family. We provide advice on issues such as property ownership, distribution strategies and estate tax reduction techniques. We also identify and analyze potential liquidity and equalization issues. And, working with existing professional advisors, we examine their wills, trusts and property titles to suggest changes that help ensure adequate income for their family and sufficient funds to pay estate costs.

Retirement planning with a sense of assurance.
To ensure clients have the secure retirement they both deserve and desire, we help them leave as little as possible to chance. Planning in advance is the only viable option. That's why we provide a full array of retirement planning services, including needs assessment, retirement income modeling, benefits analysis and asset allocation strategies. In addition, we review the distribution options of available retirement plans to help achieve maximum income and safety and minimize shrinkage through taxes.

Getting educated about education funding.
There are a number of scholarships, grants and loans available to students to help offset the expense of a college education. Nevertheless, the projected costs of a solid education are staggering, and not everyone can qualify for scholarships or other types of financial aid. That's why when it comes to preparing for their children's or grandchildren's education, many people need help. We stay on top of changing tax rules that affect education funding, help identify alternate education funding vehicles and help them determine the best way to approach this need.

Risky business: insurance.
A big part of keeping an individual's dreams alive is making plans to protect their family's financial situation. We believe that sound planning begins by building a strong base of financial security. There is a full spectrum of insurance products designed to help them manage the risks of premature death, disability and health care. We can provide guidance in choosing the type of coverage that is right for individuals and their families.

The consequences of not taking action can be dire. And it's not just small estates or average people who are being heavily hit by taxes. Note: information on the estates mentioned is found in the public records in the state of residence of the decedent. Here are more dramatic examples of what can happen when people don't plan ahead:

      

Conrad Hilton, Hotel Owner, Santa Monica, CA
Gross Estate	$199,071,000
Estate Settlement Costs	$105,782,000
Net To Heirs	$93,289,000
Estate Shrinkage	53%

      

Jessica Savitch, NBC News Anchor, New York, NY
Gross Estate	$2,175,000
Estate Settlement Costs	$1,117,000
Net To Heirs	$1,058,000
Note: No marital deduction. She had approximately $1,203,500 of life insurance included in her gross estate. At current rates, this would generate $523,000 of unnecessary taxes. She died with $3,980 of cash in her estate.
Estate Shrinkage	51%

Through LFA SolutionsLinc^SM, you can help ensure that the government doesn't take any more than its fair share of your clients', customers' or members' estates.

As a company, we believe in providing clear solutions in a complex world. We believe in service ; first, last and always. We believe that long-term relationships are more important than short-term gains, and will never sacrifice the former for the latter.

Conviction in what we do; the courage to get people to take action; competency based on continuing education and training; and communication that builds understanding and trust ; these are the commitments we make to you.