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LINCOLN SMARTFUTURE



Offering a retirement program that reflects your success is smart business. Lincoln SmartFuture is the retirement program you deserve, on a par with programs at many larger employers.

Its features include:

  • Your choice of smart fund lineups
  • Fiduciary support
  • Comprehensive record keeping and administration
  • Tools for smart, simple investing
  • Education geared to individual learning styles
  • Onsite enrollment support

With Lincoln SmartFuture , you'll find the same level of investment and service sophistication offered in the retirement programs of larger employers — but at a cost you can afford. And you'll be dealing with a provider whose name is synonymous with integrity. You deserve it, and so do your employees.

Mutual funds in the Lincoln SmartFuture 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 contains 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 SmartFuture program are available at 800 234-3500.

Participation in collective trusts is governed by terms of the trust and participation materials. An investor should carefully consider the investment objectives, risks, and charges and expenses of the collective trusts before investing. The participation materials contain this and other important information and should be read carefully before investing or sending money. Participation materials for any of the collective trusts in the program are available at 800 234-3500.

The collective trusts are maintained by AST Capital Trust Company of Delaware, a Delaware State chartered trust company. AST is an independent trust company and is not an affiliate of Lincoln Financial Group.

Securities offered through Lincoln Financial Advisors Corp., a broker/dealer, 1300 S. Clinton St., Fort Wayne IN 46802.

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.



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