Products/Services

Guaranteed Return*
Fixed annuities offer attractive interest rates and lifetime guarantees. Many clients are using fixed annuities with a very competitive interest rate guaranteed for 1, 2, 3 . . . up to 10 years. Other clients are receiving income that is guaranteed to be paid to them with no reduction in amount over a 5-year or 10-year period (other payment modes are available). Some investors are concerned about having to leave money in a fixed annuity but some of today’s plans have no surrender charges, even in the first year. Call us today to compare the rates, features and benefits of fixed annuities with your other investments.

*Guarantees are based on the claims-paying ability of the issuing annuity company.

Taking Some Risk**
Many of our clients are willing to take on some risk of their principal investment to receive the potential of a higher return. Visit with us about the Financial Pyramid and how it can make a difference in the return you are receiving on your savings and investment plans.
**Investment return and principal value of securities will fluctuate, so that the investment, when redeemed, may be worth more or less than the original cost. Mutual Funds and variable annuities are sold by prospectus. Carefully consider the investment objectives, risks, charges and expenses of a fund or sub account before investing. This and other information is contained in the prospectus available from your registered representative. Read the prospectus carefully before investing.

How Much Risk?
This is your decision. Our associates are trained to assist you, working from your side of the table, to determine a portfolio that has the amount of risk that is comfortable for you.

Return ON Principal or Return OF Principal?
We often mention this to our clients. Many of our clients prefer to have all guaranteed* products – with a guaranteed return of principal and a guaranteed rate. Other clients want the highest rate of return possible and are willing to risk their principal. We offer plans for both types of clients. **Investment return and principal value of securities will fluctuate, so that the investment, when redeemed, may be worth more or less than the original cost. Mutual Funds and variable annuities are sold by prospectus. Carefully consider the investment objectives, risks, charges and expenses of a fund or sub account before investing. This and other information is contained in the prospectus available from your registered representative. Read the prospectus carefully before investing.

*Guarantees are based on the claims-paying ability of the issuing annuity company.

Fixed Annuities
Fixed annuities are discussed above under “Guaranteed Return.” We believe that fixed annuities are the foundation of a secure financial plan and can be a major part of a client’s investment portfolio depending on the client’s risk tolerance and time horizon. We offer fixed annuities from well-known insurance companies and will provide you with information on plans from several different companies.

Variable Annuities
A variable annuity is a product that gives the client an opportunity to invest in sub accounts that are invested in turn in securities. Depending on the guarantees referenced there are other charges. Guarantees are based on the claim paying ability of the issuing company and do not apply to the investment sub accounts. Many variable annuities that we recommend provide a guaranteed minimum income benefit that pays a guaranteed minimum income regardless of the investment sub account performance. The income benefit riders generally have an additional charge, which is disclosed in the prospectus.

Variable annuities that we recommend pay a death benefit of the greater of the contract value or the sum of all purchase payments less adjustments for surrenders. Additionally, some variable annuities offer death benefit options that provide an increasing death benefit, regardless of subaccount performance, for an additional fee which is disclosed in the prospectus. Over time the cost may offset the benefit and no benefit may be derived.

Carefully consider a sub account's investment objectives, risks, charges and expenses before investing. This and other information is contained in the prospectus available from your representative. Read the prospectus carefully before investing.

Guaranteed Income
A client may want to retire but has five years until they will be eligible for Social Security. In this case, we can invest some of their money into a single-premium immediate fixed annuity and the client will receive a guaranteed*monthly income for five years (other payment modes are available). This is a very popular means of “bridging the gap” until the client is eligible for Social Security.

*Guarantees are based on the claims-paying ability of the issuing annuity company.

Risk and Return Profile
We can help you determine how much risk you are willing to take in your investment portfolio.   Designed by professionals, a series of questions will lead you to your own comfort level with your investment portfolio and begin the process of determining a portfolio suitable for your time horizon, risk tolerance and amount available to invest.

Your Own Portfolio
A consolidated account information report, or Client Asset Report, which includes all of your investments, is available from your servicing representative. The ability to see all of your products in one place is one of the most popular services with our clients. The Client Asset Report is provided to all clients at their annual review or upon request. Additional information on individual contracts is available through this website at the Company Links section.

Offering Securities through a Full Service Broker Dealer
Established in 1968, Lincoln Investment Planning, Inc. began by focusing on the retirement planning needs of educators and employees of non-profit and tax exempt organizations. Lincoln helps to meet the retirement needs of these individuals by providing them with quality investment and retirement products and services. Today Lincoln's leadership in the 403(b) and related markets enables the firm to successfully serve retirement plans across the country.

Lincoln Investment is not affiliated with Allen Knox Associates.

Estate Planning
We offer the expertise of a group of associates who specialize in estate planning. This is a sophisticated market and one that requires the involvement of a professional who works with Attorneys and other financial professionals who deal with this type of planning on a daily basis. For that reason, when an associate recognizes a client's need for estate planning, the associate will refer the client to this team of estate planning professionals.

Long Term Care Insurance
We offer the expertise of associates who are trained to provide educational information regarding this very important part of your financial security. Many clients have no need to purchase a Long Term Care insurance policy. However, for those who may have a need, it is important that your situation be reviewed so that you have peace of mind regarding this potentially critical part of your overall financial security. Our associate will look at your situation, honestly show you how the expenses of LTC might be met through other means and then illustrate a number of policy options if you do have a need for LTC insurance.