My Financial Journey

This material was prepared for general distribution. It is being provided for informational purposes only and should not be viewed as an investment recommendation. If you need advice regarding your particular investment needs, contact your financial professional. 

IRA products and related services and investments are available from unaffiliated financial institutions as well as from Transamerica.

The Transamerica® IRA is available through Transamerica Investors Securities Corporation (Member FINRA) or Transamerica Retirement Solutions, LLC / Transamerica Trust Company (TTC). All Transamerica companies identified, including TTC, are affiliated. 

Investments are subject to market risk, including the loss of principal. Past performance is not indicative of future results. Mutual Funds are sold by prospectus.Before investing, consider the funds’ investment objectives, risks, charges, and expenses. This and other important information is contained in the prospectus. Please visit transamerica.com or contact your financial professional to obtain a prospectus or, if available, a summary prospectus containing this information. Please read it carefully before investing. 

Transamerica Funds are advised by Transamerica Asset Management, Inc. (TAM) and distributed by Transamerica Capital, Inc. (TCI) member of FINRA. 1801 California St., Suite 5200, Denver, CO 80202.

Transamerica’s Advice Services includes Managed Advice^® and Advisor Managed Advice℠. The Managed Advice^® service is available within an 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. 

The Transamerica Personalized Portfolios® IRA utilize Models, algorithms and/or calculations (“Models”) developed by Goldman Sachs Asset Management, 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 you may lose money.

Retirement advisors are registered representatives of Transamerica Investors Securities Corporation (TISC), member FINRA, 440 Mamaroneck Avenue, Harrison, NY 10528, and investment advisor representatives of Transamerica Retirement Advisors, LLC (TRA), registered investment advisor.

When rolling over or transferring from an employer plan, be sure to consider whether the asset transfer changes any of the features and benefits that may be important to you including: the range of investment options available; investment-related fees or plan expenses that may be incurred; service levels available; availability and circumstances of penalty-free withdrawals; timing of required minimum distributions; federal protection of assets from creditors and judgments; and tax consequences of rolling employer stock into a new plan.