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About Lincoln Financial
Management, LLC

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Our Employee Benefits Services
One of the most challenging aspects of running a business is attracting and retaining quality employees. A successful employee benefits program can be a powerful recruiting and retention tool for employers.

At Lincoln Financial, we help our clients design, improve and manage their employee benefits program. We are continually reviewing our clients’ benefit offerings to meet the growing needs of their workforce and to address the rising costs of health care. We educate our clients on the most recent tax saving benefit plans to take advantage of the most progressive programs in the market.

At Lincoln Financial, we never refer you to someone to call; we are the person to call for any of your employee benefits questions. We communicate your plan and enroll all eligible employees for you. We work directly with your firm to add, delete or change enrollment. We will work directly with you on all billing, claims and network related issues.

The following are employee benefit programs that we offer our clients:

• Health Insurance, including consumer driven health plans (high deductible
   health plans, health savings accounts and health reimbursement accounts)
• Dental Insurance
• Vision Insurance
• Life Insurance
• Disability Insurance
• Supplemental Insurance (AFLAC)
• Pension & Profit Sharing Retirement Plans
• Deferred Compensation Plans
• 401(k) Retirement Plans
• Cafeteria Plans (IRC - Section 125)
• Key Employee Health Benefit Plans

Securities offered through Securities America, Inc. Member FINRA/SIPC. Cyrus Kiani, Stephen Letts and Donald Campbell, Representatives. Cyrus Kiani and Donald Campbell offer advisory services through Securities America Advisors, Inc.

Lincoln Financial Management, LLC and the Securities America companies are independent entities. Securities America and its representatives do not offer tax or legal advice. Please consult a tax or legal professional in regards to your particular situation and before taking any actions that may have tax or legal consequences.

We are licensed to sell and/or discuss securities products and/or insurance procucts to residents of the states listed below only:

We are licensed to sell Insurance Products in the following states:
AZ, CO, FL, GA, IA, IL, KS, LA, ME, MO, NC, NE, NY, PA, SC, TN, TX, WI

We are registered to sell Securities in the following states:
AL, AR, AZ, CA, CO, CT, FL, GA, HI, IA, IL, IN, KS, LA, ME, MN, MO, MS, NC, NE, NJ, NY, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WI