RETIREMENT PLANNING
Retirement once meant a gold watch, more time with grandchildren, guaranteed income from your company’s pension plan and Social Security.  However, fewer people today work for a company long enough to be assured a pension and the future of Social Security is a concern.  Retirement planning involves taking control of the various choices you have to provide for your financial future.  To make appropriate choices, you need to predict – as well as you can – your future economic circumstances. 

EDUCATION PLANNING
With the escalating cost of higher education, it is critical to plan ahead in order to send children to the college of their choice.  There are several options available to help fund your child’s college expenses.  Three options include 529 Plans, Coverdell Education Savings Accounts, and Custodial Accounts that can be established to help prepare families for the increasing cost of higher education.

ESTATE PLANNING
As the old saying goes, ' nothing is certain but death and taxes.' Creating an estate plan can take some of the certainty out of paying taxes at death. Estate planning is the process of planning for the accumulation, conservation, and distribution of an estate to effectively and efficiently accomplish both tax and non-tax objectives. Planning for the distribution of your property will potentially help you reduce estate taxes and allow for property to be distributed according to your wishes.

INSURANCE PLANNING
Long-Term Care (LTC) services provide for the personal assistance to enable people who are impaired to perform daily routine such as eating, bathing and dressing.  In return for premiums, LTC policies will pay a selected dollar amount per day for skilled, intermediate, or custodial care in nursing homes and sometimes for home health care.  Trying to fund nursing home costs without insurance can be astronomical and can deplete retirement savings quickly.

OTHER SERVICES OFFERED THROUGH LINCOLN FINANCIAL SECURITIES CORPORATION: