This Valentine's Day, instead of whispering sweet nothings, why not try "you look lovely tonight, and I think we should talk about financial planning and our retirement goals." Lincoln Financial Group's (NYSE: LNC) Retirement Power® Participant Study shows that only approximately half of couples who are participating in their workplace retirement plan say they discuss retirement savings and investment decisions with their partner all or most of the time. This is a trend that worsens with age. Sixty-three percent of couples in their 20s say they discuss retirement savings and investment decisions with their spouse or partner all or most of the time. Once couples are in their 30s that number goes down to 56 percent, and drops to an average of 48 percent for those 40 and over. "Our Retirement Power study showed that people participating in their employer-sponsored retirement plan are more confident and more optimistic today than they were just five years ago, and that most understand how much they need to save to be on track for retirement," said Jamie Ohl, president, Retirement Plan Services, Lincoln Financial Group. "Now they need to start having conversations with their significant others about savings, and what they envision for their retirement." Within couples, there's also a disconnect between men and women when it comes to working together to manage their retirement planning — 49 percent of women say they and their spouse or partner work together to manage retirement planning for the household, while only 37 percent of men say the same. "The majority of people are going to rely on their employer-sponsored retirement plan as their main savings vehicle for retirement," Ohl said. "Something as important as your financial future is worth discussing regularly with your spouse or partner, to ensure your family is on track." Lincoln Financial has tools online that can help start the conversation, like the retirement contribution planner or the cost of delaying retirement savings calculator. About Lincoln Financial Group Lincoln Financial Group provides advice and solutions that help empower people to take charge of their financial lives with confidence and optimism. Today, more than 17 million customers trust our retirement, insurance and wealth protection expertise to help address their lifestyle, savings and income goals, as well as to guard against long-term care expenses. Headquartered in Radnor, Pennsylvania, Lincoln Financial Group is the marketing name for Lincoln National Corporation (NYSE:LNC) and its affiliates. The company had $253 billion in assets under management as of December 31, 2017. Lincoln Financial Group is a committed corporate citizen and was named one of the Forbes Best Employers for 2017, is a member of the Dow Jones Sustainability Index North America, and received a perfect score of 100 percent on the 2018 Corporate Equality Index. Learn more at: www.LincolnFinancial.com. Follow us on Facebook, Twitter, LinkedIn, and Instagram. Sign up for email alerts at http://newsroom.lfg.com. About Retirement Plan Services For more than 50 years, Lincoln Financial Group's Retirement Plan Services (RPS) business has been helping savers boost their retirement readiness through employer-sponsored plans. Our retirement plans help employers recruit and retain top talent, while our combination of high-tech and high-touch service creates an engaging customer experience that drives positive outcomes. The RPS business helps people understand how steps they take today can help them get to and through retirement tomorrow. The business serves approximately 1.5 million participants through 20,000 plan sponsors with $67 billion in assets under management as of December 31, 2017.