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What a Professional Can Do for You
Before choosing a representative, it’s helpful to know what he or she can do for you. While the process of insurance and financial planning usually includes a basic feature and benefit comparison, it’s often much more than that. It’s also important to know how each solution can fit into your overall financial horizon. That’s where the expertise of a Transamerica representative can be of real value to you.
Transamerica Insurance & Investment Group’s representatives can help you determine how to best use insurance products to meet your financial goals. In addition, some of our professionals offer comprehensive financial planning and those who are registered representatives can help with your investment planning.
Depending on the representative you choose, some of the services you can expect your representative to provide include:
Situational and needs assessment.
Everyone is different with unique needs. Your Transamerica representative will want to understand your specific situation as thoroughly as possible in order to make the best, most appropriate product recommendations. He or she may ask about your health history, family income, net worth, financial goals, lifestyle and personal habits - information that helps develop an accurate profile of you and your current situation.
Clarification of financial goals and objectives.
What do you want to do in your life and how are you going to pay for it? Perhaps you have a college education to fund, or want to amass a certain level of assets, or retire at a specific age. These are the kind of things your Transamerica representative will want to discuss with you. If, for example, you want to stop working at age 60 and begin traveling, you will need to have the financial resources to do it comfortably. Once your goals are expressed, it’s then possible to determine the objectives to help you to achieve them.
Developing a strategy.
Once your Transamerica representative understands your current situation and your future goals, he or she can begin proposing the right insurance and financial products to help you get there. Some professionals specialize in financial planning at this stage, even helping you articulate an investment strategy beyond your insurance needs. He or she may also monitor your progress over time, helping you to revise your plan in the future, as your needs change over time.
Contact a Transamerica representative today.
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