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According to financial professionals, you may need 80% to 90% of your final salary to retire comfortably. Alliance's 7.5% Retirement Allowance and 403(b) plan are designed to support your goal for a secure future. Contributing to your 403(b) account through tax-sheltered payroll deductions is a convenient way to build up your retirement income. You control how much to save and invest — and you can make changes at any time.
Retirement Allowance
Retirement Allowance
Alliance offers a 7.5% retirement allowance as regular taxable wages. In order to direct your retirement allowance to your existing 403(b) account as a pre-tax benefit, you will need to elect a contribution amount of at least 7.5% in your Lincoln Financial user account. This account may be set up after you receive your first paycheck. We strongly encourage employees to contribute their retirement allowance to their 403(b) account.
Please note, if you choose not to contribute the allowance into your 403(b) account, it will be taxable income.
3 Easy Steps to Begin Saving
3 Easy Steps to Begin Saving
1. Register for an account.
Already have a 403(b) account set up with Lincoln Financial Group? Skip to Step 2.1. Register for an account.
Program Information
Program Information
Need Help? Contact a representative:
Phone: 800-234-3500 (M – F, 8 a.m. – 8 p.m.)
2. Allocate your investment account.
2. Allocate your investment account.
From the home page, scroll down and click on "Investments". Then click on "Change Investments."
How do I decide how to invest?
Lincoln offers several educational resources about allocating your account:
Note: You may contribute up to $23,000 in 2024, and if you are 50 or older, you can make an additional “catch‐up” contribution of up to $7,500.
How do I decide how much to save?
According to financial professionals, you may need 80% to 90% of your final salary to retire comfortably. As a general rule of thumb, try to put 10-15% of your income toward your retirement.
Talk with a financial professional or use this savings calculator to estimate what a difference voluntary 403(b) savings can make. Lincoln Financial also provides this helpful resource on Deciding How Much to Save.
Note: If you are a CalSTRS/CalPERS member from a previous school-based role, first, estimate what your monthly pension benefit will be using the calculator provided by your pension program. Calculators are retirement planning tools and are estimates only. Contact CalSTRS/CalPERS for more information.
CalPERS Retirement Benefit Estimate Calculator
CalSTRS Retirement Benefit Estimate Calculator
Current participants
Current participants
Manage Your Account
Manage Your Account
Log into your Lincoln Account to do any of the following:
Change or stop my contribution
Change or stop my contribution
Start an account transaction
Start an account transaction
(loan, distribution, etc.)
Rebalance your Investments
Rebalance your Investments
Learn about the plan and saving for retirement
Learn about the plan and saving for retirement
Contact information
Phone: 800-234-3500 (M – F, 8 a.m. – 8 p.m.)
Form Submission: allianceforms@lfg.com
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