John Labunski Investment Articles, John Labunski Safe Investment Weblog John Labunski Expert Guidelines, John Labunski Safe Retirement

2. OUR CLIENTS ARE INDIVIDUALS,
OUR APPROACH IS CUSTOMIZED
At Lincoln Wealth Advisors, we understand that each client’s
situation is different and approach financial planning with
your individual needs and goals in mind. We all have unique
experiences, wants, dreams and needs. Despite our different
backgrounds, almost every investor has many of the same
needs and goals, and almost every investor has made the
same mistakes. The stock market did not lose your assets in
2008 – bad advice led you to incur these losses.
With Lincoln Wealth Advisors, we do not take a “one-size-
fits-all or one-size-fits-most” approach to financial planning.
Our team is dedicated to creating a customized plan for each
client, offering the best in retirement and full-service financial
options available today, and skillfully combining these options
to help you reach your retirement goals while minimizing
your exposure to risk. Our success begins with listening to
you. We focus on what you have to say and truly get to know
you. With this process, you help us help you. Together as a
team, we work to meet and exceed your goals.
WE BELIEVE IN SOLID,
SAFE MONEY CONCEPTS
John Labunski is the senior managing partner and founder
of Lincoln Wealth Advisors, LLC and the radio host of
wealth911.com talk radio, the first full-service financial
services radio program on the air aimed at educating
listeners on successful retirement strategies.
With hundreds of combined years as financial professionals,
the Lincoln Wealth Team has witnessed the common
mistakes so many people make when planning for and living
in retirement. To remedy these mistakes, investors must avoid
the traditional “buy, hold and pray” investing strategy used
by old guard brokers nationwide. Instead, the Lincoln team
implements a solid, dynamic management strategy – helping
clients mitigate risk, preserve their wealth, and thrive even
when the market is volatile. We help our clients increase
their long-term success by freeing them from losses.
DYNAMIC, ONGOING MANAGEMENT TO
ASSURE SUCCESS
With the arrival of market volatility, the year 2000 marked
the beginning of a nationwide change in the psychology
of investing. Losses from 2000-2002 and again from 2007-
2009 forced intelligent, savvy investors and their financial
advisors to become much more active in their investment
management.
We embrace this management style at Lincoln Wealth and
work closely with you to move from growth and risk toward
retirement and protection. If you are close to retirement or
are already retired, you have won the game. We want to give
you the opportunity to sit back and enjoy the rewards of
hard work by ensuring that your assets are working for you
without putting you in the game with risk of financial injury.
WHY LINCOLN WEALTH ADVISORS?
We believe in solid, safe money concepts.
“Don’t just ride an investment up and down again without locking in profits by selling losers to preserve the
portfolio and being ready to reinvest. Investing is not about picking winners. It is about eliminating losers. Look
for the ‘right’ time and best place to invest to meet or exceed your goals. It’s simple… but the solutions in this
volatile market cannot be found at the local banks or brokers.”
John Labunski
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3. RISK TOLERANCE
During the years of wealth accumulation, it is appropriate to take
on managed risk. However, as we move closer and into retirement,
we all need to move toward reducing or eliminating risk of loss to
ensure all that we have worked so hard to accumulate can provide us
with the retirement we envision. At Lincoln Wealth, we believe that
your retirement should look like Nolan Ryan’s – sitting in the stands
of a baseball game, enjoying a hotdog, drink and the company of his
lovely wife of many years. You should be able to relax in retirement,
with the knowledge that your finances are safe and secure.
THE RETIREMENT FORMULA
Retirement is all about income and preserving your assets to ensure
that you have income for life and can continue to care for your
loved ones. The retirement formula is quite simple, but critical in
determining if and when you may need to supplement your monthly
income.
DETERMINING IF YOU HAVE AN INCOME NEED OR
A SURPLUS CAN BE CALCULATED AS FOLLOWS:
Social Security Money
+ Pension Money
+ Other Money
_____________________
Total Fixed Retirement Income Money
- Estimated Cost of Living to Retire
including consideration of future inflation
______________________
= Need or Surplus
THE RETIREMENT FORMULA
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DECISIONS FOR RETIREMENT.
There are two types of decisions when planning
for retirement – business decisions and personal
decisions. While many of us let the personal decision-
making process govern our retirement planning, we
believe that the business decision-making process
leads to greater success when planning your financial
future.
AtLincolnWealth,weprovideyouwiththeknowledge
and information you need to eliminate the personal
or emotional attachment to what may be the wrong
investment.
We work with you collaboratively to set your goals
and determine your financial needs. Then, we
conduct an in-depth review and analysis of available
options, and we show you in great detail the safest
and best financial products to meet or exceed your
personal goals and needs.

4. KNOWLEDGE IS THE KEY
At Lincoln Wealth Advisors, we believe strongly in preparation and
knowledge. Before starting, before we even begin to plan, we ask each of our
investors to answer four important questions:
• Where is my money?
• What are they doing with my money?
• Why am I in this investment?
• How do I get my money back, even if the company behind it
is no longer around?
We are committed to educating and empowering you, so that you will know
the answers to these crucial questions at all times.
MAKING FINANCIAL DECISIONS WITH CONFIDENCE
Most people fear change, as they find security in habit and in what they
already know. We understand that change can be uncomfortable, but we
also realize that comfort comes from education. The Lincoln Wealth Team is
committed to delivering knowledge and presenting you with the best options
available – options that will allow you to meet or exceed your goals. And, by
working together and sharing all that we know, we will not develop OUR
retirement plan — we will develop YOUR personalized, well-formulated
retirement plan.
“Know what you own, and know why you own it.”
Peter Lynch
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5. OUR MANTRA: BUY LOW. SELL HIGH.
We take the Kenny Rogers approach to risk management. When
markets are low and attractive, that ratio (the green line) can be
moved down. Most importantly, when markets are up and risky, that
line can be moved up to protect gains and reduce or eliminate the
risk of loss.
MANAGE RISK EVEN WHEN TAKING RISK
On the diagram, the upper part of the pyramid represents the part of
the portfolio most exposed to risk. However, we believe that even this
group of assets does not always need to be 100% at risk in equities.
In fact, this portion can include a blend of fixed income products
and equities – adjusted to match your specific needs, goals and
preferences! Creating this blend means that your portfolio is actively
managed and continuously assessed for risk and performance, and
represents a completely different approach and mindset.
TIMES CHANGE. SO DO INVESTMENTS.
Our team of experts constantly combs the markets on behalf of our
clients.
OUR GOALS ARE SIMPLE:
• Find you the highest return on your investment
• Expose your investment to the lowest risk
• Use guarantees and other product options to enhance
your investments and ensure your success
Every well-managed portfolio blends fixed (safe) investments or
products with variable (market) investments.
While that blend is normally based on the markets, at Lincoln
Wealth we take a different approach. First, rather than only focusing
on the markets, we create a portfolio blend that is based on your
unique needs, risk tolerance, goals, and the performance of the
markets. Then we manage that risk to a safe money ratio depending
on market performance. As Kenny Rogers sings, “Know when to hold
them and know when to fold them.”
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THE KEY TO A WELL-MANAGED PORTFOLIO

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THE INCOME PHASE
During the income phase, those that are entering or are
already in retirement need to generate income to use on
a monthly basis. During the income phase, retirees must
use their accumulated wealth to replace the income they
received during their salary-earning years.
THE WEALTH TRANSFER PHASE
This phase is marked by the need to transfer wealth to
loved ones in a safe, tax-efficient manner.
THE GROWTH PHASE
In this phase, 30, 40 and 50-year-olds are growing
their wealth, interested in the highest possible return
on their investments. While retirement may still seem
far in the future for this group, these clients need to
properly establish a wealth and retirement plan.
THE TRANSITION PHASE
In this phase, those that are between the ages of 50 and
60 are getting ready to retire.
At Lincoln Wealth Advisors, we are dedicated to sharing information with our clients and assisting with their planning
needs in all four phases of wealth and retirement. With an eye for preservation and a cornerstone for accredited, high
net worth and ultra-high net worth investors, families and trusts, our team helps safeguard clients’ wealth in every
phase of their financial lives.
THE FOUR PHASES OF
WEALTH & RETIREMENT IN TODAY’S WORLD

7. Wealth planning is more than just maximizing return
on investments. Wealth planning is comprehensive,
multifaceted and mapped from start to finish. It is
about keeping what you have and keeping it safe.
At Lincoln Wealth, having a “record year” is not how
we judge our success. Rather, success is based on not
losing ground, ensuring there is future cash flow, and
keeping Uncle Sam from taking more than his fair
share.
WE APPROACH
WEALTH PLANNING
DIFFERENTLY
“The strategy is to find the right balance between
gathering information and turning it into action.”
John Labunski
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OUR FIVE RULES FOR RETIREMENT SUCCESS, AND THE GUIDING THEMES ON
OUR RADIO SHOW, WEALTH911.COM, ARE AS FOLLOWS:
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REVIEW AND ADJUST
At Lincoln Wealth Advisors, poor performance is not
acceptable. We are constantly reviewing, adjusting and
preparing to ensure the continued success of our clients.
Set and forget is not in our mindset.
TAX CONSIDERATIONS
In all the phases of wealth and retirement planning, we
work with clients to minimize the impact of taxes.
GROWTH
Just like you, we like growth. But we like to manage
wealth in a dynamic, global model with a focus on
avoiding losses to principal.
FUTURE INCOME
We look at IRAs, ROTH IRAs, SEPs, 401Ks and other
retirement plans, which are sources of retirement
income. We keep one eye on safety and the other on
minimizing tax implications.
PRESERVATION
The first part of wealth accumulation is the most
difficult. The next part, time and compounding interest,
is much simpler. Why risk 90% of your assets when you
only need a 5% return to guarantee success for life?
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8. Like any Global Positioning System (GPS), our Wealth & Retirement Roadmap starts with
determining where you are today and where you are going in the future. Our investment team
looks at these two coordinates and designs a customized plan to illustrate the various routes
available to achieve success.
Our investment team reviews all of your current investments and assets, analyzing exposure to
volatility and risk factors, assessing allocations and diversification, and understanding exactly
where assets are currently placed.
The team then conducts an analysis to measure current risk versus the risk necessary to
succeed.
Next, the team recommends the best investment options available for each portion of your
assets and the overall purpose of the assets in your plan.
The team designs a GPS Wealth & Retirement Plan to meet your goals.
We provide you with a comprehensive overview of where you are today, where you are
exposed to unnecessary risk, and which investment options may be more appropriate for you.
Finally, the team details and implements the Wealth & Retirement Roadmap, based on our
collaboration and review with you.
LET US INTRODUCE YOU TO THE
LINCOLN WEALTH GPS
WEALTH & RETIREMENT ROADMAP
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USE THE BEST. FORGET THE REST.
HYBRID WEALTH MANAGEMENT.
Just as a hybrid vehicle represents the marriage
of sensibility and innovation, Hybrid Wealth
Management is about protecting assets without
sacrificing growth. Hybrid Wealth Management is,
in large part, based on the concept of the Efficient
Frontier*, whereby a combination of assets is
considered efficient if it has the best possible
expected level of return for its level of risk.
Hybrid Wealth Management includes a thoroughly
reviewed combination of fixed products, RIA money
management, traditional registered securities, oil
and gas, non-traditional securities, and non-market
investment classes. The thoughtful selection and
mathematical blend of these vehicles gives our
clients the protection they need and the growth they
are looking for.
*Modern Portfolio Theory, Harry Markowitz, 1952
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9. At Lincoln Wealth Advisors, we bring you the power of our team. And, a powerful team it is. Certified Financial Planners™, accountants
and economists utilize their specialized talents to build the best plan for you. Rest assured - we don’t operate in a vacuum. You are our most
important team member. We work side-by-side with you to ensure your plan works perfectly and addresses your financial goals.
JOIN US FOR A CONVERSATION
If you are considering working with us, let’s get to know each other. Join us at one of our convenient office locations or let us know where we
can meet you for an introductory conversation.
If you feel our team is a good match for your goals, we are excited to get to work on your behalf. Let’s develop a GPS Wealth & Retirement
Roadmap customized for you, and together, we can design the financial future you imagined.
IT’S A TEAM EFFORT AT
LINCOLN WEALTH ADVISORS
“It is a fact that in the right formation, the lifting power of many wings
can achieve twice the distance of any bird flying alone.”
Author Unknown
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MAIN OFFICE
100 Highland Park Village
Suite 200, Second Floor
Dallas, Texas
866-940-8000
info@lincolnwealth.com
Houston Office
4801 Woodway Drive
Suite 300, Third Floor
Houston, TX 77056
SATELLITE OFFICES
The Woodlands Office
9595 Six Pines
Suite 8210, Third Floor
The Woodlands, TX 77380
Las Colinas Office
222 W. Las Colinas Blvd.
Suite 1650
Irving, TX 77380
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OUR OFFICES

10. www.LincolnWealth.com
866-940-8000 | info@lincolnwealth.com