Your asset allocation is fine but definitely conservative.
Having said that, 27/73 would be considered very conservative but may be appropriate if it lets you sleep at night. However, most advisors say you need at least 40-50% equities (stocks) to keep up with inflation.
I would suggest you visit bogleheads.org . John Bogle was the founder of Vanguard. Spend some time on the forum. Introduce yourself and ask questions. Explore the Wiki. There is also a recommended reading list.
I relied on Vanguard for three decades and even consolidated Fidelity to Vanguard. Everything was converted to a IRA. I have no idea what Lincoln has for fees for the Mutual funds you probably have but Vanguard has the lowest in the industry the best I can figure. Go to Vanguard.Com as they have a lot of free information, meaning even without an account. I also use Vanguard Brokerage and trade for free. They have helped me sleep better!
Hope that helps.[/QUOTE]
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