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The third-party financial advisors and their firms provided for your consideration are independent, and not employees or agents, of Lincoln National Corporation, Inc. ("LNC"). LNC has no responsibility for the advisors' actions. By using this advisor locator tool you agree to hold Lincoln National Corporation, LNC, any of its affiliates or mutual funds managed by such affiliates, and each of their respective directors, trustees, officers, employees and agents harmless from any losses, expenses, costs or liabilities (including attorney fees) that may be incurred as a result of the advisors’ actions.You must decide whether to work with a particular financial advisor and the terms of the arrangement. Before entering into an arrangement with an advisor it is prudent to review their background and experience. The Financial Industry Regulatory Authority provides a tool called BrokerCheck, which can assist you in this effort. The tool allows investors to see an advisor's employment history, licenses and any regulatory, criminal, civil and customer complaints involving the advisor. The tool is located at http://brokercheck.finra.org/.