Ralph Ferraro is Senior Vice President, President of Retirement Plan Services, for Lincoln Financial Group.  He is a registered representative of Lincoln Financial Distributors, Inc. (LFD), a wholesale broker-dealer and FINRA member firm. I do not provide securities recommendations, investment advisory services or tax/legal advice. Insurance products offered through LFD affiliates. Lincoln Financial is the marketing name for Lincoln National Corporation and its affiliates. LCN-6739235-062624