Financial Management Network

403(B) FAQ

Answers to some Frequently Asked Questions

HOW DO I: ACCESS MY ACCOUNTS ONLINE?

Go to www.lfg.com and in the login box choose “Register Now”. You need to know that this is an Employer Retirement Plan utilizing Lincoln Alliance. You will be asked for your social security number only when registering. It is a secure website. They will never ask for that again. Note: If you have a Lincoln National annuity account beginning with 98 or 96 you can link them to this login for viewing. It will ask if you want to link any accounts. You need to have your account numbers ready.

WHAT IF I FORGET MY PASSWORD?

Go to www.lfg.com and click on “Forgot Login Info”.

HOW DO I: CHANGE MY 403B CONTRIBUTION AMOUNT?

Login to www.lfg.com

Login to your account online and look under the “I'd Like To:” heading. Choose “Review My Contributions.” Select “Change Contributions” and choose either $ or %, then input the amount you want to contribute next to either pre-tax or Roth. Follow the steps for a confirmation of the change.

HOW DO I: CHANGE MY INVESTMENT ELECTION OR ALLOCATION OF FUNDS?

Login to www.lfg.com

Login to your account online and look under the “I'd Like To” heading. Choose “Review My Investments.” Select “Change Investments” and follow the steps for a confirmation of the change.

HOW DO I: UPDATE MY BENEFICIARIES?

Login to www.lfg.com

Login to your account online and look under the “I'd Like To” heading. Choose “Review Beneficiaries.” Select “Add/Update” and follow the steps for a confirmation of the change.

HOW DO I: MAKE A DEPOSIT?

All contributions to your 403(b) account must be made through your Finance Account via WBT payroll deduction. See the “How do I change my contribution amount” question on this website for instructions.

HOW DO I: WITHDRAW FUNDS FROM ONE OF MY ACCOUNTS?

CURRENT WYCLIFFE MEMBERS

All Accounts:

Wycliffe requires that all active members meet their Mandatory Minimum Retirement Savings requirements before a withdrawal will be processed.

If you wish to request a withdrawal, kindly contact the Retirement Savings Department at Wycliffe via email at Retirement_Savings_Orlando@wycliffe.org. A Retirement Savings Specialist will calculate the amount of excess savings that may be available for withdrawal.

For those still employed by Wycliffe, while the funds are legally available according to the IRS at age 59.5 , your withdrawal request will be subject to your agreement with Wycliffe to wait until after retirement to access these funds. You must contact the Retirement Savings Department by email at Retirement_Savings_Orlando@wycliffe.org for approval and instructions.

According to the IRS the following withdrawal exceptions are applicable before you are age 59.5 without a penalty being applied:

Financial hardship under IRS guidelines

Disability

Divorce

Death

RETIRED AND FORMER MEMBERS:

Please contact the Retirement Savings Department at Wycliffe by emailing Retirement_Savings_Orlando@wycliffe.org.

For financial advice, contact FMN at (800) 436-9340 to speak to a financial advisor or you may click the button below

Lincoln National Annuities:

You must be over age 59.5 to withdraw funds from an annuity without a penalty.

Please contact Wycliffe’s Retirement Savings Department by emailing Retirement_Savings_Orlando@wycliffe.org.

For financial advice, contact FMN at (800) 436-9340 to speak to a financial advisor or you may click the button below 

Lincoln Alliance 403(b):

Since you are no longer employed by Wycliffe, you will be able to withdraw your funds or roll them over to another qualified plan or IRA account if you wish.

Once you have reached age 70.5 years and are retired, you are required to take your Required Minimum Distribution. Contact Wycliffe’s Retirement Savings Department at Retirement_Savings_Orlando@wycliffe.org to initiate this process.

HOW DO I: TAKE A LOAN AGAINST MY 403(B)?

PLEASE NOTE: This is only available for active members and employees.

Login to your account online and look under the I’d like To… heading. Select “See Loan Information”

HOW DO I: COMBINE MY RETIREMENT ACCOUNTS?

Contact Lincoln Alliance at 1-800-234-3500 to speak with a Customer Service representative.

HOW DO I: REQUEST INDIVIDUAL INVESTMENT ADVICE?

If you have specific questions or needs not addressed on the website please click on “Get Advice” and complete the form. Please upload a complete copy of your taxes for the most recent year as we cannot give a recommendation without this information. Uploading via our secure website delivers your information directly to our server.

HOW DO I: SIGN UP FOR ELECTRONIC DELIVERY OF ACCOUNT INFORMATION?

Login to your account online and look under the I’d like to …heading and select “Change e-delivery Preferences.” Note: Lincoln is required to send some communication via US Mail. As such, you will receive a statement notice via your email address and your paper statement via regular mail.

HOW DO I: GET DUPLICATE COPIES OF MY TAX FORMS?

You will not receive tax forms for your 403(b) unless you have made a taxable withdrawal during the past year.

If you believe you should have received tax forms please contact Lincoln Alliance at (800)234-3500. International members unable to make this call can contact Retirement Savings at Retirement_Savings_Orlando@Wycliffe.org or go to “Contact FMN” on this website and request the information. We will make the request for you.

HOW DO I: PROCESS THE ACCOUNT OF A DECEASED MEMBER?

Contact Wycliffe’s Retirement Savings Department by email at Retirement_Savings_Orlando@Wycliffe.org or call (407) 852-3639.