West Chester, OH Eagleridge Ct. Office

Lincoln Investment serves individuals (including high‑net‑worth clients), charitable organizations, businesses and many employer‑sponsored retirement plans, with a longstanding focus on educators and 403(b)/457(b) participants. The firm provides financial planning, ERISA retirement plan advice, advisor‑managed and firm‑managed model portfolios, wrap and non‑wrap programs, and also operates as a broker‑dealer and insurance agency in addition to its SEC‑registered RIA activities.

The firm manages a mix of in‑house and third‑party strategies overseen by an Investment Management & Research team that employs both strategic (asset‑allocation/rebalancing) and dynamic/tactical approaches — including quantitative screens, a Fund Selector process and Adaptive Intelligence models that use neural‑network inputs. Lincoln Investment offers both discretionary and non‑discretionary programs; as of December 31, 2025 it reported about $22.9 billion in advisory assets, with a notable $10.0 billion maintained on a non‑discretionary basis.

Several operational features distinguish Lincoln from many peers: it functions as an introducing broker‑dealer in a clearing relationship with Pershing and, for some accounts, is deemed to have custody and undergoes surprise exams; it operates a sweep program that uses bank deposit sweeps and a Dreyfus government cash sweep product; and it conducts commissionable insurance and brokerage activities and receives various sales‑and‑marketing and revenue‑sharing payments. The brochure discloses those arrangements, notes steps taken to mitigate conflicts (for example, crediting certain 12b‑1 revenue on Pershing accounts and supervisory disclosures), and describes how advisors and the firm disclose and manage potential conflicts of interest.