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The economy may be looking brighter than it did a few years ago, but we still face numerous financial challenges and uncertainties. Many Americans have seen their taxes increase in 2013 as part of the U.S. government's efforts to balance its budget and tackle the federal deficit. At the same time, the European Union continues to grapple with its debt crisis. What does all this mean for you?

For many, saving money for retirement may feel harder. Still, it is important to not let these challenges interfere with your long-term goal: building a financially secure and fulfilling retirement. Continuing to contribute to your employer-sponsored retirement plan is more important than ever — especially in light of today's uncertainties.

Your employer-sponsored retirement plan is a powerful tool to help you reach that goal. It allows you to take control of your financial future by providing an investment selection, tax incentives and other features that make it easier to navigate an uncertain financial world. Your retirement plan can help you take charge.

More Effective Saving

Studies show that the biggest contributor to retirement savings success is not your investment strategy or market performance — it's how much you save in the first place. In 2013, you can contribute up to $17,500 of your income to your 401(k), 403(b), or 457 retirement plan, and up to $23,000 if you're age 50 or older. These contributions are generally tax-deferred, meaning they reduce your taxable income today so you can save more. Withdrawals in retirement will be taxed at your regular income tax rate.

Greater Diversification

Your employer's plan provides an investment menu and tools to help you build a diversified portfolio of stocks, bonds and cash investments. While diversification cannot protect against a loss in declining markets, it can help your portfolio better weather the markets' ups and downs.

Extra Help

Our self-help retirement tool, Road to Retirement®, can help you explore how much you may need in retirement and what actions you can take to keep your retirement goals on track. You can even print a report and sit down with a financial professional to discuss your retirement savings strategy.


Hello future.
Lincoln Financial Group is the marketing name for Lincoln National Corporation and insurance
company affiliates, including The Lincoln National Life Insurance Company, Fort Wayne, IN,
and in New York, Lincoln Life & Annuity Company of New York, Syracuse, NY. Variable products
distributed by broker/dealer-affiliate Lincoln Financial Distributors, Inc., Radnor, PA. Securities
and investment advisory services offered through other affiliates. Explore Lincoln.