Between them, they hold 13 CFP®, CLU®, and ChFC® certifications, two law degrees, one M.D., an MBA, and a master’s in law in taxation. But we want you to get to know the people behind the credentials.
When Dr. Bill Lloyd completed his pathology board exams nearly 25 years ago, he figured he was done with exhaustive certifying exams.
“I remember hugging my wife and saying, ‘I never have to do this again,’ ” Lloyd recalled.
Famous last words.
Adding to his list of academic, career, and personal achievements, Lloyd is enthusiastically tackling his new role as a health director for Transamerica’s Advanced Markets Group. Part of the requirement involved attaining his FINRA Series 6 and 63 registrations.
Most people new to financial services have about six months to complete the exams. Lloyd passed them within six weeks.
“Different parts of my brain can do different things,” he said. “There was enough space left in the flash drive to handle a little bit more. Knowing nothing happens until I pass the test, that became the No. 1, 2, and 3 priority.”
A fresh perspective
Financial professionals will have a valuable resource when they attend one of Lloyd’s seminars and webinars. He’s an actively licensed physician and board certified surgeon and pathologist who can help explain the important link between wealth + health — and how financial professionals can put that connection into practice with their clients.
“I can bring a physician’s perspective, a father’s perspective, and a working man’s perspective,” Lloyd said. “I want to help people understand the key stuff and simplify the complicated stuff. If people walk away with one piece of information, that meeting is a killer success. I intend to top that.”
Lloyd has been conquering his goals for quite some time. After being accepted by Dartmouth, Duke, and the Naval Academy, he chose the U.S. Military Academy at West Point because he believed it would give the best opportunity to pursue medicine.
West Point, however, only offered a pre-med curriculum for eight of the 1,300-plus cadets in Lloyd’s class, and he “settled” for a bachelor’s in military engineering. While in the military, he also became proficient in Mandarin and learned to fly helicopters.
Med school at last
About a year and a half into his service commitment, Lloyd was accepted to the F. Edward Herbert School of Medicine at the Uniformed Services University of the Health Sciences. That’s where he met his wife, Mary, who’s currently the head of pediatric ophthalmology at the University of California-Davis.
Thus began a medical career that includes six American Medical Association Physician’s Recognition awards; a diplomate certification on the National Board of Medical Examiners; and elected Fellowship to the American College of Surgeons. Lloyd also was an initial (and longtime) contributor to WebMD, which he believes will serve him well in his new role.
“Mary told me this new position at Transamerica crystalizes everything I’ve done in my career,” Lloyd said. “The different tools and experiences I’ve had led me to this. In many ways, I’ve prepared all my life for this opportunity.”
Clinician, scientist, educator
As an experienced lecturer and researcher, Lloyd appreciates the wealth + health message Transamerica is sharing with financial professionals, retirement plan participants, and its employees. That’s why he took on a new challenge when most people would be settling into retirement. Instead of calling it an “encore” career, he sees it more as a “pinnacle.”
“I get to maximize my tools as a clinician, as a scientist, and as an educator. Good doctors are all three,” he said. “I’m now spending more time finding information, packaging it, and delivering it to people in ways that make sense to them. That’s the educator in me, and I like it very much.”
The health of financial services
As Lloyd works with financial professionals and distribution partners, he plans to emphasize the importance of developing good habits themselves — whether than means contributing to retirement or following a healthy diet.
“Walk the walk,” he said. “It can be hard for young professionals to become committed savers. At the same time, it can be hard to take a walk after dinner rather than plop down in front of the television. Your financial and physical well-being are your responsibilities. Be good to yourself.”
Walking the walk
Lloyd, who lives in Sacramento, said he tries to run 3 to 5 miles, five days a week, and also swims and stretches regularly. Though he’s completed a marathon, he still takes a back seat to his 69-year-old sister Mary Beth, a former ultramarathon runner known as the “Running Nun.”
Their love of running is a perfect metaphor for Lloyd’s approach to wealth + health.
“The power of small steps,” he said. “You can’t do it all at once. If you do a little and do it consistently, you will prevail. It’s a huge cake. Take a very small slice.”
The Advanced Markets Group has dozens of great resources that are often featured on New Age of Advice. Check back for more profiles on members of the team in the coming weeks.
Dr. Bill Lloyd
Advanced Markets Health Director
Whether they’re discussing taxes, Social Security claiming strategies, or controlling the distribution of retirement assets, the nine members of Transamerica’s Advanced Markets Group have the knowledge and experience to help financial professionals deliver the best service to their clients.
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Transamerica Resources, Inc. is an Aegon company and is affiliated with various companies which include, but are not limited to, insurance companies and broker dealers. Transamerica Resources, Inc. does not offer insurance products or securities. The information provided is for educational purposes only and should not be construed as insurance, securities, ERISA, tax, legal or financial advice or guidance. Please consult your personal independent advisors for answers to your specific questions.