PERSONAL FINANCIAL PLANNING

Financial Planning is a process and not a "one-time fix." As individual goals,

jobs, and situations change so should your financial plan. Creating &

Managing Wealth representatives will meet with you one-on-one to ensure

that your current plan matches your goals and continue to work with you

through the coming years.

To meet the demands of the future you need more than just one option -

you need a complete portfolio and many different services!

Money management inside your chosen lifestyle

Creating and Managing Wealth representatives offer the solutions you need

for retirement:

Advisory Services and Securities Offered through Lincoln Investment Planning, Inc., Registered Investment Advisor, Member

FINRA/SIPC. Creating & Managing Wealth, LLC and Lincoln Investment Planning, Inc. are independently owned and each is

responsible for its own business. Lincoln Investment Corporate Office: 218 Glenside Ave., Wyncote, PA 19095 (800) 242-1421

• 403(b) / 401(k)

• ROTH IRA / Traditional IRA

• Mutual Funds

• Estate Planning

• Partial Lump Sum Option (PLSO)

• Tax Analysis and Preparation

• Pension Maximization

• Stocks & Bonds

• Long Term Care Insurance

• Rollover IRA / 401(k)

• Tax Sheltered Annuities

• Retirement Projection

• Buying Back TRS Years

• Insurance Analysis

• 529 College Plans

PERSONAL FINANCIAL PLANNING

Choosing the right representative is very important. You need to be

comfortable with your representative and his or her recommendations, and

you need to feel you can work with that representative for a number of

years. The recommendations made by your representatives can mean the

difference between a comfortable retirement and the less pleasant

alternative.

Use common sense in choosing your representative. A good rep will gladly

answer questions, take a look at your complete picture and offer

investments accordingly. High pressure sales tactics are inappropriate for an

Selecting a Financial Planning Representative

investments accordingly. High pressure sales tactics are inappropriate for an

enrollment in a financial product. What you need is information, and the

best representatives either have the information you need at their fingertips,

or will quickly obtain it for you.

An integrated financial planner provides the education and insight necessary

to ensure financial freedom and security.

Advisory Services and Securities Offered through Lincoln Investment Planning, Inc., Registered Investment Advisor, Member

FINRA/SIPC. Creating & Managing Wealth, LLC and Lincoln Investment Planning, Inc. are independently owned and each is

responsible for its own business. Lincoln Investment Corporate Office: 218 Glenside Ave., Wyncote, PA 19095 (800) 242-1421

• Retirement Planning

• Financial Planning

• Insurance Planning

• College Planning

• Estate Planning

• Tax Planning

PERSONAL FINANCIAL PLANNING

For insurance or annuity products, your financial representative is

compensated by the company for each individual product sold. Quite often,

first year compensation is higher than in subsequent years, which recognizes

the representative's greater investment of time during the initial sale and,

for insurance products, delivery of the annuity.

Some mutual funds charge an upfront or back end sales charge and have

12B-1 fees that you pay. There may also be a sales charge or front end load

assessed on each contribution. The representative must provide you a

prospectus for all mutual funds and variable annuities that he/she

How are Representatives Compensated?

prospectus for all mutual funds and variable annuities that he/she

recommends.

There is a quarterly fee associated with managed money. This fee is based on

a percentage of your total assets under management.

Your financial representative should review with you all risks, fees, and

expenses so that you can make an informed investment decisions. You

should also consult your tax advisor regarding your specific tax situation.

Find out more information regarding personal financial planning by calling a

Creating & Managing Wealth representative today.

Advisory Services and Securities Offered through Lincoln Investment Planning, Inc., Registered Investment Advisor, Member

FINRA/SIPC. Creating & Managing Wealth, LLC and Lincoln Investment Planning, Inc. are independently owned and each is

responsible for its own business. Lincoln Investment Corporate Office: 218 Glenside Ave., Wyncote, PA 19095 (800) 242-1421