RetirementSOLUTIONS PREMIER
Knox Financial Services, LLC 122 Winnebago Street Decorah, IA 52101
www.knoxfinancialservices.com Advisory services offered through Capital Analysts or Lincoln Investment, Registered Investment Advisers. Securities offered through Lincoln Investment Broker/Dealer, Member FINRA/SIPC. www.lincolninvestment.com. Knox Financial Services, LLC and the above firms are independent, and non affiliated.
[email protected] www.knoxfinancialservices.com RSP118 06/16
RetirementSOLUTIONS PREMIER Fund Family Lineup Over 3,000 individual mutual funds available with no sales charges to purchase or redeem shares. AdvisorOne Funds Alger AllianceBernstein Allianz Funds American Century Investments American Funds Aquila Group of Funds Ariel Ave Maria Mutual Funds BlackRock Calamos Calvert Columbia Davis Funds Delaware Investments Deutsche Funds Dodge & Cox DoubleLine Funds Dreyfus Eaton Vance Fairholme Federated Fidelity Advisors Funds First Eagle Funds Franklin Templeton Investments Goldman Sachs Guggenheim (formerly Rydex/SGI) Hartford ICON Funds Invesco Ivy Funds Janus Funds John Hancock JPMorgan Legg Mason Loomis Sayles Lord Abbett
Knox Financial Services, LLC 122 Winnebago Street Decorah, IA 52101
www.knoxfinancialservices.com
Advisory services offered through Capital Analysts or Lincoln Investment, Registered Investment Advisers. Securities offered through Lincoln Investment Broker/Dealer, Member FINRA/SIPC. www.lincolninvestment.com. Knox Financial Services, LLC and the above firms are independent, and non affiliated.
MainStay Investments Managers Investment Group Meeder Funds MFS Natixis Navigator Funds Neuberger Berman Nuveen OppenheimerFunds PAX World1 Permanent Portfolio Funds PIMCO Funds Pioneer Investments Praxis Mutual Funds PrimeCap Principal Funds Prudential Investments Putnam RidgeWorth Royce Funds RS Investments Russell Selected Funds Sentinel Steward Mutual Funds SunAmerica T. Rowe Price Thornburg TIAA-CREF The Timothy Plan Touchstone Transamerica U.S. Global Funds Vanguard Voya Funds Wells Fargo Funds Wright Funds
Money market not available All fund families listed below only have a limited number of funds available.
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Baron Funds Emerald Funds Henderson Funds Lazard International Strategic Equity Port Saratoga (James Alpha)
Available funds are subject to change. SOLUTIONS Premier is an advisory service provided for a fee; see the Lincoln Investment ADV Part 2A brochure for more information. Mutual funds have unique objectives, risks, and expenses. For a prospectus containing this and other important information about a given fund, contact your Financial Advisor.
Financial Representative
1-877-566-9468 563-422-8824
[email protected] www.knoxfinancialservices.com RSP106_16327 02/17
With RetirementSOLUTIONS PREMIER you can: Reduce investment cost*
Simplify recordkeeping
• No sales charge to purchase or redeem shares • Free transfer among mutual fund families
• Quarterly consolidated statements • Web access • One-check income source at retirement (including required minimum distribution) • Loan provisions for 403(b) accounts • One statement, application and site
*Other account fees, fund expenses or service fees may apply.
Diversify your investments** • Customized portfolios across multiple fund families • Access to more than 75 mutual fund families and over 3,000 investment options **Diversification does not guarantee a profit or protect against a loss.
Reduce investment risk • Scientifically-constructed portfolios • Strategic and tactical allocation programs • Access to well-known investment strategists
Access personalized account services • • • • • •
Define your goals Determine your risk level Develop your investment strategy Build a diversified portfolio Monitor your progress Review progress annually
Custom Mutual Fund Portfolios
Professionally Managed Portfolios
With the help of your financial advisor, build custom mutual fund portfolios from over 75 well respected fund families.
Bring your portfolio to the next level with 11 professional asset managers to choose from.
AdvisorOne Funds AIG Funds Alger AllianceBernstein Allianz Funds American Century Investments American Funds AMG Funds Aquila Group of Funds Ariel Ave Maria Mutual Funds BlackRock Calamos Calvert Columbia Davis Funds Delaware Investments Deutsche Funds Dodge & Cox DoubleLine Funds Dreyfus Eaton Vance Fairholme Federated Fidelity Advisors Funds First Eagle Funds Franklin Templeton Investments Goldman Sachs Guggenheim (formerly Rydex/SGI) Hartford ICON Funds Invesco Ivy Funds Janus Henderson Funds John Hancock JPMorgan Legg Mason 1
Money market not available.
Loomis Sayles Lord Abbett MainStay Investments Meeder Funds MFS Natixis Navigator Funds Neuberger Berman Nuveen Oak Ridge Funds OppenheimerFunds PAX World1 Permanent Portfolio Funds PIMCO Funds Pioneer Investments Praxis Mutual Funds Principal Funds Prudential Investments Putnam Royce Funds Russell Selected Funds Sentinel Steward Mutual Funds T. Rowe Price Thornburg TIAA-CREF The Timothy Plan Touchstone Transamerica U.S. Global Funds Vanguard Victory Funds Voya Funds Wells Fargo Funds 1919 Funds
STRATEGIC
Progressive
TACTICAL
Legend Advisory, LLC AIM Index
ABSOLUTE RETURN
Progressive Asset Management Why Choose a Professional Manager? Progressive Asset Management
Customized Strategy
A highly diversified portfolio, optimized to fit your risk tolerance.
Conservative
Moderate Conservative
20/80
Moderate
Moderate Aggressive
Aggressive
60/40
80/20
94/6
40/60
Stock/Bond Ratio Lower Risk/Lower Return Potential
Higher Risk/Higher Return Potential
Expert Fund Selection
The Progressive Asset Management team regularly performs an in-depth mutual fund analysis to help identify the best funds for your portfolio:
Universe: 7,000 Mutual Funds
1
Short List: 240 Mutual Funds
2
17 Mutual Funds
3
We analyze the investment style of over 7,000 mutual funds to generate a “short list” for each asset class.
We grade and rank each fund on the short list based upon 14 different risk, performance and style factors.
We select the top-ranked fund(s) for each asset class to comprise your portfolio.
5 Risk Level Portfolios
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1 Customized Portfolio
We monitor your Progressive portfolio, and the funds that comprise it, on a daily and weekly basis.
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We customize the allocation of your portfolio to fit your risk tolerance and rebalance on a quarterly basis.
Large-Cap Growth Large-Cap Value Small-Cap Growth Small-Cap Value Diversified International Emerging Markets Real Estate Government Bond Corporate Bond High Yield Short Term Bond Inflation-Protected Securities International Bond Money Market
Constant Monitoring
Daily – The performance of your portfolio is monitored vs. its benchmark. Weekly – Each fund in your portfolio is evaluated vs. its benchmark. Monthly – Review of your portfolio’s assets. If your assets reach the next threshold, we automatically upgrade you to a more diversified portfolio. Quarterly – Your portfoliois rebalanced back to your target allocations. We review over 7,000 mutual funds to select the top funds in each asset class. Annually – Your allocations are reviewed and will be modified if necessary.
How Active Are We?
Total fund changes since inception (12/31/2004) = 138 Total fund changes in 2016 = 12 Rebalances per year = 4
There is no assurance that a diversified portfolio will produce better returns than an undiversified portfolio, nor does diversification assure against market loss. Progressive Asset Management is a discretionary advisory service provided for a fee. Fees and other details can be found in the Lincoln Investment Form ADV 2A brochure, available upon request.
Advisory services and securities offered through Lincoln Investment, Registered Investment Adviser. Broker/Dealer, Member FINRA/SIPC. 601 Office Center Drive | Suite 300 | Fort Washington, PA 19034 800-242-1421 | www.lincolninvestment.com
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Asset Management Risk Matrix
This Risk Matrix shows where each one of the portfolios fits within the Asset Management menu. Conservative
Moderate Conservative
Moderate
Moderate Aggressive
Aggressive
Lincoln Strategic
Conservative
Moderate Conservative
Moderate
Moderate Aggressive
Aggressive
Progressive Asset Management
Conservative
Moderate Conservative
Moderate Dividend Income
Moderate Aggressive
Aggressive
STRATEGIC MANAGERS
Conservative
Moderate
Balanced
Growth
Equity Growth
Tax-Managed Conservative
Tax-Managed Moderate
Tax-Managed Balanced
Tax-Managed Growth
Tax-Managed Equity Growth
Conservative Income
Conservative Growth and Income
Moderate Growth and Income
Growth and Income
Moderate Growth Global Growth
J.P. Morgan Asset Management
Conservative
Moderate Conservative
Moderate
Moderate Growth
Growth
CLS Investments, LLC
Conservative
Moderate Conservative Tax-Aware Moderate Conservative
Moderate Tax-Aware Moderate
Moderate Aggressive Tax-Aware Moderate Aggressive
Aggressive
Conservative Income
Conservative Growth and Income
Balanced
Total Return
Appreciation Growth
Russell Investments American Funds Model Portfolios
TACTICAL MANAGERS
Legend Advisory, LLC - AIM Index
Balanced Allocation
Advanced Asset Management Advisors, Inc.
DoubleLine Meeder Investment Management
ICON Advisers Clark Capital Management Group
RISK BENCHMARK
Global Balanced Conservative
Moderate Conservative
Moderate
Moderate Conservative
Balanced
U.S. Income
U.S. Conservative
Global Conservative
Guardian Bond
Multi-Strategy 25/75
20%
Conservative
Equity Growth Aggressive Growth Global Equity Growth Global Aggressive Growth
Moderate Growth
Growth
U.S. Moderate Global Moderate
U.S. Growth Global Growth International Growth
Multi-Strategy 50/50
Multi-Strategy 75/25
Style-Preferred
40%
60%
80%
100%
20% of market return
40% of market return
60% of market return
80% of market return
100% of market return
20% of market volatility
40% of market volatility
60% of market volatility
80% of market volatility
100% of market volatility
Flexible Fixed Income
Lincoln Investment | Registered Investment Adviser, Broker/Dealer Member FINRA/SIPC. | 601 Office Center Drive, Suite 300, Fort Washington, PA 19034 | www.lincolninvestment.com There is no assurance that a diversified portfolio will produce better returns than an undiversified portfolio, nor does diversification assure against market loss. Asset allocations are subject to change. Your financial advisor will provide you with a current asset class allocation, including specific mutual fund recommendations. If you choose an Asset Management program, you will receive an Investment Advisory Disclosure brochure and an Investor Agreement and Disclosure Handbook. Read these carefully for more complete information, including a description of services and costs. Please call your Lincoln Investment financial advisor or visit our website, www.lincolninvestment.com, for a current prospectus, which contains more complete information. Consider the investment objectives, charges, expenses, share classes and risks of the investment company carefully before you invest or send money. There are risks associated with mutual fund investing, including the loss of principal. International investing involves special risks, including, but not limited to, the possibility of substantial volatility due to currency fluctuation and political uncertainties. Past performance is no guarantee of future results.
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About the Lincoln Investment Companies It is our belief that financial well–being should be accessible to all through the expert guidance of independent financial professionals and risk–appropriate, well– diversified investment choices. As a full–service broker/dealer and as Registered Investment Advisors, the Lincoln Investment Companies work through 800 independent financial advisors located in over 300 branch offices across 34 states. Our advisors serve the diverse and changing financial needs of more than 270,000 individual investors, representing over $24.7 billion in assets. With almost 50 years of industry leadership and specialized expertise in the delivery of investment strategies, Lincoln Investment, as a broker/dealer and Registered Investment Advisor, and Capital Analysts as a Registered Investment Advisor, have become resources to financial advisors, enabling them to provide their clients with a lifetime of financial services.
601 Office Center Drive Suite 300 Fort Washington, PA 19034 www.lincolninvestment.com 800–242–1421 Registered Investment Advisor Broker/Dealer Member FINRA/SIPC
HO143 08/16
Jason Knox, AIF® Financial Representative
"I want to play a central role in helping you achieve your life goals." I understand the important role a financial representative plays in helping individuals and families achieve their life goals. As your professional partner, I can provide: • Lifetime Needs Analysis
I develop long-term working relationships with clients, providing financial solutions as they progress through their careers on into retirement. My strategy is to work from the clients' side of the table - looking at the concerns of the client and addressing their needs as if they were my own. I provide retirement income projections and financial education to help you maximize your benefits and maintain flexibility. My goal is to help you make the most informed decisions for you, your family, your business and your lifetime financial goals. We take the time to learn about your current situation, goals, and visions for your financial future. Our team is dedicated to finding Solutions that are objective, uniquely designed for your situation, efficient from both economic and tax perspectives, and are well positioned for future changes in your needs or objectives. We believe that knowledge and experience, coupled with innovative technology, allows us to develop, integrate, and apply the best Solutions for each client. Our comprehensive and collaborative Look Forward! process helps ensure your financial visions today become your future financial realities. We live by our core values: honesty, integrity, respect, diversity, cooperation and a commitment to succeed—and incorporate them into everything we do. Whether you are experienced in the financial world, or just getting started, we Look Forward! to the Journey with you.
• Personalized Strategies and Solutions Designed to Help Achieve Your Financial Goals
I take pride in listening to my clients and helping them achieve their individual goals such as building a retirement nest egg, or a more comprehensive plan with several goals such as college funding or protecting against the loss of a loved one. I will be there to help. The Honorable Learned Hand, US Appeals Court Justice, once said, "There are two systems of taxation in our country: one for the informed and one for the uninformed." I want to assist you in becoming one of the informed. • Objective Investment and Risk Management Advice
This client-centered approach to investment planning can help you assemble a diversified portfolio* including insurance and risk management strategies designed to help meet your unique needs. • Personalized Financial Planning • Retirement Planning
— 403(b), 457(b) and 401(k) Plans — Roth IRA, Traditional IRA — SIMPLE IRA, SEP IRA, 401(k) — Lump Sum Rollovers • Investments
— Mutual Funds — Annuities (fixed and variable)
• Customized Retirement Counseling • Education Planning
— 529 College Savings Plan — Coverdell Education Savings Account — UGMA/UTMA • Insurance
— Life • Asset Management Services
About Lincoln Investment
With almost 50 years of industry leadership and specialized expertise in investment strategies, the Lincoln Investment Companies, as broker/dealer and registered investment adviser, along with Capital Analysts and Legend Advisory, registered investment advisers, have enabled financial advisors to provide their clients with a lifetime of financial services. We work through over 1,100 independent financial advisors located in more than 400 branch offices in 43 states. Our advisors serve the diverse and changing financial needs of more than 320,000 individual investors representing over $32 billion in assets. To learn more about how I can help you achieve your financial goals call 1-877-566-9468or 563-422-8824 or email
[email protected]. Please visit our website at www.lincolninvestment.com. * There is no assurance that a diversified portfolio will produce better returns than an undiversified portfolio, nor does diversification assure against market loss.
Advisory services offered through Capital Analysts, Legend Advisory or Lincoln Investment, Registered Investment Advisers. Securities offered through Lincoln Investment Broker/Dealer, Member FINRA/SIPC. www.lincolninvestment.com. Knox Financial Services, LLC and the above firms are independent, and non affiliated. Knox Financial Services, LLC • 122 Winnebago Street • Decorah, IA 52101 • 1-877-566-9468 • 14540: 10/14/10
