Leveraging a strong market for retirement

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Learn how to leverage the strength of the market for a stronger retirement plan.
 

Article highlights   
 

  • Protection from market volatility
  • Varied product offerings
  • Secure income stream

Planning today

We each have our own vision of retirement, and our own roadmap to reach our goals. Fortunately, this strong market is helping many to grow their investments and improve their current financial portfolios. However, how long it will last is anyone’s guess.
  
Take some of the guesswork out. Now is the perfect time to better secure your financial future with guaranteed assets that aren’t fully reliant on market performance.

 

Greater confidence for tomorrow

To add a level of reliability to your investments—and to retire with greater confidence–you can “lock in” some of your market success by investing a portion of your portfolio in an annuity with a living benefit rider that’s designed for you. By investing in such an annuity, you can guarantee that a portion of your retirement income will be available during any market cycle—even the inevitable downturns.

Securing your financial future

When choosing an annuity, you have the ability customize your level of market exposure. You can also opt for a guaranteed income rider (for an additional cost) that ensures a minimum payout in any type of market, creating dependability and diversifying your investment and income strategy. These are just some of the ways you can tailor the features and benefits of your annuity to suit your needs. Whether you want a retirement plan that allows you to maintain your lifestyle or you want to launch your retirement with the trip of your dreams, you and your advisor can build a reliable plan that lets you retire with more confidence.
  
For a deeper dive, run through the Lincoln Financial Confidence Checklist and ask your financial advisor how best to be prepared.

Lincoln Financial confidence checklist

  • Are you prepared for–and protected from–potential market downturns?
  • Is your retirement plan ready for costs like higher education, weddings, travel plans or costly moves?
  • Have you identified which parts of your portfolio will remain steady as the market goes down?

Questions for your advisor

  • What does your future income look like in a worst-case scenario?
  • What part of your portfolio is helping fight inflation?
  • What part of your portfolio helps maintain your lifestyle through retirement?
  • What costs will your known income cover, and what extras will you consider?

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Lincoln Financial Group® affiliates, their distributors, and their respective employees, representatives, and/or insurance agents do not provide tax, accounting, or legal advice. Please consult an independent advisor as to any tax, accounting, or legal statements made herein.

A fixed indexed annuity is intended for retirement or other long-term needs. It is intended for a person who has sufficient cash or other liquid assets for living expenses and other unexpected emergencies, such as medical expenses. A fixed indexed annuity is not a registered security or stock market investment and does not directly participate in any stock or equity investments, or index. The index used is a price index and does not reflect dividends paid on the underlying stocks.

Variable annuities are long-term investment products designed for retirement purposes and are subject to market fluctuation, investment risk, and possible loss of principal. Variable annuities contain both investment and insurance components and have fees and charges, including mortality and expense, administrative, and advisory fees. Optional features are available for an additional charge. The annuity’s value fluctuates with the market value of the underlying investment options, and all assets accumulate tax-deferred. Withdrawals of earnings are taxable as ordinary income and, if taken prior to age 59½, may be subject to an additional 10% federal tax. Withdrawals will reduce the death benefit and cash surrender value.

Investors are advised to consider the investment objectives, risks, and charges and expenses of the variable annuity and its underlying investment options carefully before investing. The applicable prospectuses for the variable annuity and its underlying investment options contain this and other important information. Please call 888-868-2583 for free prospectuses. Read them carefully before investing or sending money. Products and features are subject to state availability.

Lincoln annuities are issued by The Lincoln National Life Insurance Company, Fort Wayne, IN, and distributed by Lincoln Financial Distributors, Inc., a broker-dealer. The Lincoln National Life Insurance Company does not solicit business in the state of New York, nor is it authorized to do so.

Contracts sold in New York are issued by Lincoln Life & Annuity Company of New York, Syracuse, NY, and distributed by Lincoln Financial Distributors, Inc., a broker-dealer.

All contract and rider guarantees, including those for optional benefits, fixed subaccount crediting rates, or annuity payout rates, are subject to the claims-paying ability of the issuing insurance company. They are not backed by the broker-dealer or insurance agency from which this annuity is purchased, or any affiliates of those entities other than the issuing company affiliates, and none makes any representations or guarantees regarding the claims-paying ability of the issuer.

There is no additional tax-deferral benefit for an annuity contract purchased in an IRA or other tax-qualified plan.