Tools Of The Trade

Lincoln Financial Partners with Morningstar on Illustration Tool

Making It Easier for Advisors to Illustrate Retirement Income in Tax-Deferred Accounts

August 08, 2016 — RADNOR, Pa.–(BUSINESS WIRE)–Lincoln Financial Distributors (LFD), the wholesale distribution subsidiary of Lincoln Financial Group (NYSE: LNC), announced unique enhancements to its Lincoln Investor Advantage® Visualizer—an industry-leading tool designed to help advisors illustrate the potential benefits of incorporating annuities as part of a client’s comprehensive retirement plan.

Powered by leading investment research firm Morningstar, the interactive and online income planning tool now includes a dynamic Tax Deferral Illustrator (TDI) designed to demonstrate the long-term impact of investing in a tax-deferred account versus a taxable account.

“With these latest enhancements, our Visualizer technology helps advisors address the impact taxes have on retirement planning and the need for income in retirement—enabling them to tell a more dynamic, compelling story. The end goal is to help clients maximize income and plan for a better future,” said John Kennedy, head of Retirement Solutions Distribution, Lincoln Financial Distributors. “As technology evolves, we maintain our focus on identifying innovative opportunities like this that expand our product and distribution capabilities—making it easier for advisors to have more meaningful conversations with clients about securing retirement outcomes.”

Advantage Visualizer

Through the collaboration with Morningstar, the enhanced Lincoln Investor Advantage® Visualizer is fully integrated with i4LIFE®, Lincoln’s patented living benefit rider. The tool allows advisors to help clients visualize their potential retirement income with Lincoln Financial Group, giving advisors the ability to quickly illustrate and explain the various options available that can better help clients meet their financial goals.

helps advisors address the impact taxes have on retirement planning and the need for income in retirement—enabling them to tell a more dynamic, compelling story

“We believe our proprietary Wealth Forecasting Engine (WFE) is a sophisticated way to illustrate the power of tax deferral,” stated John McCarthy, senior product manager at Morningstar. “We’ve created an easy-to-use tool that integrates Lincoln’s i4LIFE® Advantage living benefit rider, giving advisors a powerful tool to walk their clients through their retirement path.”

i4LIFE® Advantage is a patented income distribution method, offered only with Lincoln variable annuities. Available for an additional charge, i4LIFE® provides tax-efficient income when investing with nonqualified money. For more information about i4LIFE® Advantage and the Lincoln Investor Advantage® Visualizer, visit




About Lincoln Financial Distributors
Lincoln Financial Distributors, Inc. (LFD), the wholesale distribution business of Lincoln Financial Group (LFG), provides expertise and access to a range of solutions that help advisors protect wealth and deliver outcomes for their clients. Lincoln’s broad portfolio includes innovative annuity, life insurance and retirement solutions that focus on addressing issues related to taxes, healthcare, longevity, inflation and market volatility. LFD comprises seasoned financial professionals who distribute Lincoln products through licensed insurance agents, registered broker-dealers, and other financial services intermediaries. Affiliates are separately responsible for their own financial and contractual obligations.
About Lincoln Financial Group
Lincoln Financial Group provides advice and solutions that help empower Americans to take charge of their financial lives with confidence and optimism. Today, more than 17 million customers trust our retirement, insurance and wealth protection expertise to help address their lifestyle, savings and income goals, as well as to guard against long-term care expenses. Headquartered in Radnor, Pennsylvania, Lincoln Financial Group is the marketing name for Lincoln National Corporation (NYSE:LNC) and its affiliates. The company had $223 billion in assets under management as of June 30, 2016. Learn more at: Find us on Facebook, Twitter, LinkedIn and YouTube. To sign up for email alerts, please visit our Newsroom at
About Morningstar, Inc.
Morningstar, Inc. is a leading provider of independent investment research in North America, Europe, Australia, and Asia. The company offers an extensive line of products and services for individual investors, financial advisors, asset managers, and retirement plan providers and sponsors. Morningstar provides data on approximately 530,000 investment offerings, including stocks, mutual funds, and similar vehicles, along with real-time global market data on nearly 18 million equities, indexes, futures, options, commodities, and precious metals, in addition to foreign exchange and Treasury markets. Morningstar also offers investment management services through its investment advisory subsidiaries, with more than $185 billion in assets under advisement and management as of June 30, 2016. The company has operations in 27 countries.