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Fixed Annuities have a specified rate of income guaranteed for a specific period of time and therefore involve less risk than other types of investing.

Variable Annuities provide an opportunity for higher returns because they are placed in equity and bond portfolios. There is not a guaranteed rate of return and therefore involves more risk.

UGMA and 529 plans – College Savings Accounts

Securities and advisory services provided through representatives of Lincoln Financial Securities Corporation. Member NASD/SIPC. NOT insured by the FDIC. NOT a bank deposit. NO bank guarantee. May lose value.

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