No matter where you are on your journey, the resources on this page are designed to help you prepare for and get the most out of retirement.

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Investment Education To Help You Reach Brighter Retirement Outcomes

Managed Advice®

Take the guesswork out of retirement planning with an easy-to-use professionally managed account service that takes care of your investment strategy and recommends how much to save. 


When investing for the future, keep things simple with this automated service that creates a diversified investment strategy based on your age, risk tolerance, and desired retirement date. 

Personal Choice Retirement Account® (PCRA)

Want more investment options than what's currently in your plan? Explore how PCRA can unlock thousands of additional investment opportunities.

Retirement resources

Personal finance calculators

Get a sense of your financial health with these easy-to-use calculators.

Retirement savings

See how your retirement plan can be a helpful tool for investing for your future.

Social Security

How much could you receive from Social Security? Use this calculator for a quick estimate.

Retirement planner

Estimate how long your retirement savings may last.

Payroll deductions

See how changing your payroll deductions could impact your take home pay.

Savings goals

Discover what it will take to reach your savings goals.

Beneficiary required minimum distributions

If you’re the beneficiary of an inherited IRA, determine the required minimum distribution (RMD).

Required minimum distributions

Determine your required minimum distribution (RMD). If you have not turned 72 by the end of 2022, the IRS requires these distributions from certain retirement accounts annually when you reach age 73.

Your retirement plan information

Your employer may have included additional plan documents, your enrollment guide, fund performance and fee information, and other important notices for your review.

Plan Information

Please find more information about your plan's investments, associated fees and documents.

Call us

Our customer care team is available Monday through Friday, 7 a.m. to 9 p.m. CT.

If you have an online account, please have your login information available. Call us at 773.508.2770.

Want to meet with a Transamerica representative?

Transamerica representatives will be on site. Click here to schedule an appointment.

Live Your Best Life

Gain a holistic perspective by going beyond the numbers to live your best life. See how each step you take today can make a meaningful difference tomorrow.

Tips to manage your stress levels

Read articles on ways to better manage your stress, and why it's important to maintain healthy stress levels.

Healthier traditions start today

Create a healthier tomorrow by making small changes today. Start with easy recipes, videos, and tips from the Transamerica Center for Health Studies.

Explore your holistic planning toolkit

Future healthcare expenses are important to consider as you build a long-term retirement strategy. Explore these interactive tools and resources developed in collaboration with the American Heart Association.

IMPORTANT INFORMATION - Please download and read

Please download and review the Transamerica Retirement Advisors, LLC Form CRS

Important information about consolidation: Transfer specialists are registered representatives of Transamerica Investors Securities Corporation (TISC). Review the fees and expenses you pay, including any charges associated with transferring your account, to see if consolidating your accounts could help reduce your costs. Be sure to consider whether such a transfer changes any features or benefits that may be important to you.

The role of the onsite Retirement Planning Consultant is to assist you with your retirement plan. There are no additional charges for meeting with your Retirement Planning Consultant, who is a registered representative with Transamerica Investors Securities Corporation (TISC), member FINRA, 440 Mamaronek Avenue, Harrison, NY 10528, and registered investment advisor of Transamerica Retirement Advisors, LLC (TRA), Registered Investment Advisor. All Transamerica companies are affiliated, but are not affiliated with your employer.

About Probability Illustrations, Limitations, and Key Assumptions

The probability illustrations, including the Your Retirement Outlook® graphic, estimated retirement income graphic, sources of your retirement income chart, and income planning spend down illustration generated from the engine are based on “Monte Carlo” simulations of 500 possible investment scenarios for a given time period and assume a range of possible returns. The “About Probability Illustrations, Limitations, and Key Assumptions” apply to the OnTrack® tool and the Advice Services, which includes Managed Advice® (offered in plans and IRAs) and Advisor Managed AdviceSM. The illustrations are generated according to models developed by Morningstar Investment Management LLC, a leading independent provider of asset allocation, manager selection, and portfolio construction. The Your Retirement Outlook® graphic reflects the difference between the model’s estimated annual income (which corresponds to a 70% probability level of income in the investment scenarios simulated) and your annual income goal.

When forecasting the probability of achieving your income goal, the model employs different returns for different asset classes, based on Morningstar Investment Management’s capital market assumptions developed using historical and forward-looking data. Forecasts of expected return, expected standard deviation and correlation among asset classes are based on Morningstar Investment Management LLC's proprietary equity, fixed income, currency and risk models. Current investment options are assigned to asset classes based on Morningstar Categories, and fees and charges inherent in investing are incorporated with an average fee assumption for each asset class. The benchmarks used for modeling the various asset classes are below. Return assumptions are updated annually; these updates may have a material impact on your projections. Return assumptions are estimates not guarantees. The returns you experience may be materially different than projections. You cannot invest directly in an index.

Lower Risk/
  Asset Class
Cash Alternatives
Short Term Bonds
Aggregate Bonds
Foreign Bonds
Direct Real Estate
High Yield Bonds
Long Term Bonds
Large Cap Value Equity
Large Cap Equity
Mid Cap Value Equity
Mid Cap Equity
International Equity
Mid / Small Cap Value Equity
Large Cap Growth Equity
Mid / Small Cap Equity
Small Cap Value Equity
Small Cap Equity
Mid Cap Growth Equity
Mid / Small Cap Growth Equity
Small Cap Growth Equity
Emerging Markets Equity
BofA ML US Treasury Bill 3 Month USD
BarCap US Govt/Credit 1-3 Yr TR USD
Barclays Capital US Agg Bond TR
Barclays Global Aggregate Ex USD TR
NCREIF Transaction Based Index
Barclays Capital US Corporate High Yield TR
Barclays Capital Global Inflation Linked US TIPS TR
Barclays Capital US Govt/Credit Long TR
Russell 1000 Value TR
Russell 1000 TR
Russell Mid Cap Value TR
Russell Mid Cap TR
Bloomberg Commodity TR
Russell 2500 Value TR
Russell 1000 Growth TR
Russell 2500 TR
Russell 2000 Value TR
Russell 2000 TR
Russell Mid Cap Growth TR
Russell 2500 Growth TR
Russell 2000 Growth TR
Higher Risk/

The probability illustrations assume both retirement at the age at which you qualify for full Social Security benefits and an annual retirement income goal of 80% of your projected final working salary. These assumptions are adjustable by you or by your employer if you are in an employer-sponsored retirement plan. Social Security estimates are based on the Social Security Administration methodology and your current salary. If you have indicated within your Retirement Profile, Advice Services Profile, or your Managed Advice Profile that you are retired, you are required to input your actual Social Security benefit amount provided by the Social Security Administration. The probability illustrations also assume a consistent contribution percentage, if applicable, and asset allocation (no future changes or rebalancing unless you are subscribed to one of the Advice Services or a target date asset allocation service), annual inflation of approximately 2%, and annual salary increases (unless you are retired), based on a calculation that incorporates multiple factors including a salary growth curve and inflation. Mortality assumptions are based on the Society of Actuaries tables. In addition to all personal information you have inputted into your Retirement Profile, Advice Services Profile, or your Managed Advice Profile, and, if applicable, any retirement plan information that Transamerica’s record keeping system maintains such as account balance, contribution rates, asset allocation and retirement plan information, the probability illustrations contemplate tax rates, retirement needs, social security, and future cash flows. The simulations model tax rules for most taxable and tax-deferred investment accounts. Tax rules are applied throughout the process, including required minimum distribution rules that apply to some tax-deferred accounts. Any withdrawals from tax-deferred sources may be assessed an early withdrawal penalty which is taken into consideration in these illustrations. The spend-down order of your accounts is determined by an algorithm and aims to optimize tax exposure (by generally exhausting taxable accounts first then tax-deferred accounts) and Social Security benefits. Your selected retirement year (and your spouse/ partner’s retirement year as applicable) can vary the withdrawal sequence determined by the engine. The engine will avoid withdrawing from tax- deferred accounts, should you (and your spouse/partner as applicable) select a retirement age younger than 60 years old. If income is needed and no other sources of income exist, the engine will be forced to withdraw from tax-deferred accounts holding after-tax money and tax deferred accounts in the simulations, as needed. Estimated retirement income used in the probability illustrations are after-tax.

The models are subject to a number of limitations. Returns associated with market extremes may occur more frequently than assumed in the models. Some asset classes have relatively limited histories; for these classes the models use historical data for shorter time periods. The model does not consider other asset classes such as hedge funds or private equity, which may have characteristics similar or superior to those used in the model. Capital market assumptions are forecasts which involve known and unknown risks, uncertainties, and other factors which may cause the actual results to differ materially and/or substantially from any future results, performance, or achievements expressed or implied by those projections for any reason.

There is no guarantee that your income goal will be achieved or that the aggregate accumulated amount will ensure a specified annual retirement income. Results may vary with each use and over time.

IMPORTANT: The projections or other information generated by the engine regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Moreover, even though the tool’s estimates are statistically sound based upon the simulations it runs, the tool cannot foresee or account for every possible scenario that may negatively impact your financial situation. Thus, you should monitor your account regularly and base your investment decisions on your time horizon, risk tolerance, and personal financial situation, as well as on the information in the prospectuses for investments you consider.

Transamerica has licensed the Morningstar® Wealth Forecasting EngineSM from Morningstar, Inc., which is used by Morningstar Investment Management LLC, a registered investment adviser and subsidiary of Morningstar, Inc., in the services it provides to participants. Morningstar Inc. and Morningstar Investment Management LLC are not affiliated with Transamerica. The Morningstar name and logo are registered marks of Morningstar, Inc.

Schwab Personal Choice Retirement Account® (PCRA) is not a fund but rather a participant self-directed brokerage account maintained at Charles Schwab & Co., Inc. Participants must individually apply for PCRA and are solely responsible for their fund selections made under the PCRA. Commissions and transaction fees may apply to fund trades placed outside of the Schwab Mutual Fund OneSource® program or trades on other investment vehicles available through Schwab. An annual fee of $50 will be applied by Transamerica Retirement Solutions if you invest in the Schwab PCRA. Securities purchased through the PCRA are available through Charles Schwab & Co. Inc., (Member SIPC). Charles Schwab & Co., Inc. is not affiliated with Transamerica.

PortfolioXpress® is a registered service mark of Transamerica. PortfolioXpress® presents a series of asset allocation models based on a designated retirement year. You are solely responsible for selecting the retirement year and risk preference, if applicable. In implementing the service, you agree to each of the asset allocation mixes and automated rebalancing transactions that will take place over time within your account as you approach the selected retirement year. If you do not designate a retirement year, the plan will set your target retirement year as the year in which you attain age 65. You can change your target retirement year, or turn PortfolioXpress® off, at any time. PortfolioXpress® is designed as investment education. Transamerica or its affiliates do not provide investment advice to PortfolioXpress® nor does Transamerica act as a plan fiduciary. Retirement date portfolios are subject to the same risks as the underlying asset classes in which they invest. The higher the portfolio’s allocation to stocks, the greater the risk. The principal value of the portfolio is not guaranteed at any time, including at and after the target date. Diversification does not guarantee against loss in a falling market.

Transamerica’s Advice Services includes Managed Advice® and Advisor Managed Advice. The Managed Advice® service is available within employer-sponsored plan or an IRA and is offered through Transamerica Retirement Advisors, LLC (“TRA”), an SEC registered investment advisor. In a retirement plan, the investment options used in Managed Advice® are selected by your plan sponsor/plan fiduciary. In an IRA, the investment options used in Managed Advice® have been selected by an independent, third-party registered investment advisor, who acts as a fiduciary for lineup selection. The Advisor Managed Advice Service is offered through your retirement plan’s third-party registered investment advisor and TRA, and investment options are selected by your plan sponsor/plan fiduciary. TRA does not select or endorse any of the investment options available in a plan or in an IRA. Investment options may include Transamerica proprietary investment funds or stable value products offered by Transamerica affiliates. Transamerica Retirement Solutions and TRA are affiliated companies. Morningstar Investment Management, LLC®, a wholly-owned subsidiary of Morningstar Inc. is an SEC-registered investment advisor that serves as an independent financial expert and provides the underlying investment advice and portfolio management methodology for Advice Services. Neither Morningstar nor your plan’s third- party registered investment adviser (as applicable) is affiliated with any Transamerica companies. Please see the Advice Services agreement as applicable for more information on the terms and conditions that apply as well as the information provided to you in Form ADV Part 2A. Investment return and principal value will fluctuate with market conditions and you may lose money.