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Managed Advice

Participating in your workplace retirement plan is a terrific foundation for retirement readiness. But putting money in the plan is not the same as having a thought-out retirement strategy.

Your retirement plan offers an advisory service called Managed Advice. Managed Advice creates a personalized retirement strategy just for you, based on the pillars of professional retirement planning.

Managed Advice consultant working with client

We turn to professionals for many of our daily needs

From doctors and dentists to mechanics and tech support, we frequently use professionals to help us with things outside our area of expertise. Why should retirement planning be any different?

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Personalized investment portfolio

Using funds in your employer’s fund lineup, the service builds a completely tailored portfolio.

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Contribution rate recommendation

How much money should you be contributing to the plan to reach your retirement goals?

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Target retirement age

By reviewing your salary, account balance, and contribution rate, the service can calculate when you may be able to retire.

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Outside account aggregation

If you have any additional retirement accounts, the service can figure those assets into the equation.

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Social security integration

How will this important benefit fit in to your broader strategy?

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Retirement spending plan

Once you are ready to retire, Managed Advice can help you identify your sources of retirement income and piece them together in a sustainable way.

How much does it cost?

Transamerica and your employer are providing this service for less than what you’d typically pay an independent financial advisor.1 The fee is no more than 0.45% annually, which comes to about 38 cents for every $1,000 in your account per month. For specific fee information, please log in to your account.

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We're here if you need us

Questions? Give us a call at 844-622-2133, weekdays 8 a.m. to 7 p.m. ET, or Saturdays 10 a.m. to 2 p.m. ET.

Managed Advice® may not be available on your plan.

1“Average Financial Advisor Fees & Costs, 2019-2020 Report, Understanding Advisory & Investment Management Fees,” 2019 AdvisoryHQ

Our retirement advisors play an important role in Managed Advice, answering your retirement-related questions. Transamerica and its representatives do not provide tax or legal advice. For legal or tax advice on your situation, please consult your attorney or professional tax advisor.

Important: The projections or other information generated by the engine regarding the likelihood of various investment outcomes are hypothetical, do not reflect actual investment results, and are not guarantees of future results. Results derived from the tool may vary with each use and over time. Managed Advice provides you with an asset allocation mix of funds available within the plan. The asset allocation mix will be automatically rebalanced and reallocated, managing risk and return as your settings and goals change over time. Additional fees and terms and conditions apply to the Managed Advice service. Participants will continue to bear the fees of the underlying investment options in the Managed Advice account. Managed Advice 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. Managed Advice utilizes models, algorithms, and/or calculations ("Models"), which have inherent risks. Models may incorrectly forecast future behavior or produce unexpected results resulting in losses. The success of using Models depends on numerous factors, including the validity, accuracy, and completeness of the Model’s development, implementation, and maintenance, the Model’s assumptions, factors, algorithms, and methodologies, and the accuracy and reliability of the supplied historical or other data. If incorrect data is entered into even a well-founded Model, the resulting information will be incorrect. Investments selected with the use of Models may perform differently than expected as a result of the design of the Model, inputs into the Model, or other factors. The principal value of the portfolio is never guaranteed. Investment return and principal value will fluctuate with market conditions, and participants may lose money.

The Managed Advice® service is offered through Transamerica Retirement Advisors, LLC (TRA), an SEC-registered investment advisor. Transamerica Retirement Solutions and TRA are affiliated companies. Morningstar Investment Management, LLC®, a wholly owned subsidiary of Morningstar, is an SEC-registered investment advisor that serves as an independent financial expert and provides the underlying investment advice and portfolio management methodology for the Managed Advice service. Morningstar is not affiliated with any Transamerica companies. Please see the Managed Advice agreement for more information on the terms and conditions that apply.

Neither TRA nor the Managed Advice service provides advice for, recommends allocations of, or manages individual stocks, self-directed brokerage accounts, or employer-directed monies, even if they are available for investment in a plan. Neither TRA nor Morningstar®, as the independent financial expert, selects or endorses any of the particular investment options available in a plan through the Managed Advice service. Under the enhanced Managed Advice® service, the designated plan investment options used within the Managed Advice service portfolios may include Transamerica proprietary investment funds or stable value products offered by Transamerica affiliates.

This material was prepared for general distribution. It is being provided for informational purposes only and should not be viewed as an investment recommendation. All Transamerica companies identified are affiliated, but are not affiliated with your employer.

Securities are offered through Transamerica Investors Securities Corporation (TISC), member FINRA, 440 Mamaroneck Avenue, Harrison, NY 10528. All Transamerica companies identified are affiliated.