Products and Services

The Transamerica Advantage
Transamerica Retirement Solutions (Transamerica) is a leading provider of corporate retirement plans, with comprehensive retirement solutions that exceed expectations. Our superior customer service is industry-recognized, and Transamerica was honored with "Best in Class" ratings by Chatham Partners in their most recent survey¹. From employee participation to ongoing plan servicing, we help sponsors build successful retirement plans.

Our expertise enables you to focus on your business. Transamerica helps to keep you informed, knowledgeable, and in compliance, so you can make educated decisions for the plan you offer. Transamerica works with retirement consultants, financial advisors, third party administrators, and plan sponsors to deliver a retirement plan that fits each business and its employees. We provide support to plan sponsors in their efforts to company with the Employee Retirement Income Security Act (ERISA), Department of Labor ("DOL") and Internal Revenue Service ("IRS").

Transamerica Retirement Solutions is committed to helping companies build a strong retirement plan for their employees. We're dedicated to bringing sponsors the very latest information, state-of-the-art tools and innovative planning services to support your company's retirement plan. We offer a wide array of enrollment options, ongoing education, and interactive planning tools that help participants achieve their retirement goals.

We encourage you to learn more by calling us at (888) 401-5826. You can reach us between 9:00 a.m. to 7:00 p.m., ET, Monday through Friday. To request additional information online, please click here.

Investment Choices
Transamerica offers a variety of investment choices to meet the needs of our clients. A financial advisor can help his or her client select the investments and services that meet the client's specific needs and goals.

Here are some highlights of the programs we provide:

• Mutual Fund or Group Annuity Platforms
• Third Party Administrator or Full-Service Options
• Wide array of investment options
• A large array of well-known investment management companies
• Stable Value investment choices²
• Target Date investment choices

To make saving for retirement more simple, participants have the freedom to choose a Target Maturity portfolio that automatically balances among stocks, bonds, and cash, to help their asset allocation strategies stay on course. The participant may choose a portfolio built on or near their year of retirement, and the asset allocation of that portfolio adjusts accordingly as the target retirement date approaches. The "target retirement date" is the date on which participants intend to retire and start receiving distributions from the plan. While asset allocation is key to a portfolio's long-term returns, it should be understood that the principle value of Target Maturity portfolios is not guaranteed at any time, including at the target maturity date.³

Target date investment choices are subject to the same risks as the underlying asset classes in which they invest. The underlying fund's asset allocation becomes more conservative over time, meaning that the percentage of assets allocated to stocks will decrease while the percentage of assets allocated to bonds and fixed income assets will increase as you approach the target date. Generally, the higher the fund's allocation is to stocks, the greater the risk. The significance of the underlying fund’s target date is that it is the date at or around which the fund assumes you plan to start withdrawing your money. The principal value of the underlying fund and investment choice is not guaranteed at any time, including at and after the target date. You may lose money by investing in this investment choice, including losses near and following retirement. There is no guarantee that the underlying fund will provide adequate retirement income.

Multiple Employer Plan Solutions
Transamerica Retirement Solutions uses a sophisticated recordkeeping platform to offer retirement plans that are easy to implement and maintain. That's why we've created a platform specifically for multiple employer plans, so these organizations and their adopting employers can build an affordable retirement plan.

Plan & Participant Services

Recordkeeping Services
Transamerica Retirement Solutions offers complete recordkeeping services and administration either with the services of a third party administrator or through the Transamerica full-service platform. Both options include best-in-class¹ transaction processing, award winning statements with guaranteed service standards, and convenient plan administration expertise.

Looking for a retirement plan solution that can meet a company's unique retirement plan needs and that can be customized? Plan design services are available to provide plan sponsors with the support they need to find the right design for their company, either through your local third party administrator or through Transamerica Retirement Solutions. All our retirement plan products are designed to meet the changing needs of growing businesses.

Participant Education & Services
  Educating your participants on retirement planning is made easy with 4 full line of tools and resources. Best-in-class contact center and enrollment assistance,⁴ as well as award-winning materials and website services,⁵ combine to provide participants with a comprehensive retirement plan experience. From enrollment services to customized account management, participants will receive invaluable information from their first contribution to their last distribution.
 
  Fiduciary Warranty
  Transamerica offers plan sponsors the security of its fiduciary warranty.^** The warranty provides specific guidelines for helping plan sponsors develop an investment line-up for their plan. Sponsors can select investments that have been evaluated through our proprietary due diligence process, the Transamerica Investment Monitor. By creating an investment menu that is diversified across specified investment categories and satisfying other applicable requirements, sponsors may be protected by the fiduciary warranty in the event there is a legal judgment resulting in damages attributable to a breach in the warranty.
 
  Let Us Tell You More
  We think you'll find our innovative retirement plan products will meet your company's retirement needs. We encourage you to learn more by calling us at (888) 401-5826. You can reach us between 9:00 a.m. to 7:00 p.m., ET, Monday through Friday. To request additional information online, please click here.
 

Transamerica or Transamerica Retirement Solutions refers to Transamerica Retirement Solutions LLC, which is headquartered in Los Angeles, CA.

Registered funds are available by prospectus only. Any mutual fund offered under the plan is distributed by that particular fund's associated fund family and its affiliated broker-dealer or other broker-dealers with effective selling agreements such as Transamerica Investors Securities Corporation (TISC), 440 Mamaroneck Avenue, Harrison, NY 10528. For more information on any registered fund, please call Transamerica Retirement Solutions at 800-755-5801 for a free summary prospectus (if available) and/or prospectus. You should consider the objectives, risks, charges, and expenses of an investment carefully before investing. The summary prospectus and prospectus contain this and other information. Read them carefully before you invest.

**The Fiduciary Warranty provides that the investment line-up made available by Transamerica provides sponsors with a broad range of investment alternatives to offer to participants, that such investment choices are selected in accordance with applicable prudence standards, and that investment options are suitable for long-term investing. The Fiduciary Warranty applies to the general due diligence conducted by Transamerica (as described in the previous sentence) and does not apply to the performance of the underlying investment choices, nor does this Indemnification extend to claims that any expense paid directly or indirectly by the plan are reasonable, and it is still possible to lose money despite this warranty. See the Fiduciary Warranty for complete terms, limitations, and requirements.

¹Transamerica Retirement Solutions received an overall 131 “Best in Class” ratings in Chatham Partners' 2015 Client Satisfaction Analysis program, covering separate surveys in the large/mid-, and small-plan markets. Chatham Partners, LLC is an independent, third-party research firm. Chatham Partners' 2015 Client Satisfaction Analysis is based on 581 large/mid-, and 543 small-plan client responses. The “Best in Class” references are to service categories when 85% or more of Transamerica clients rated Transamerica as a “6” or “7” on a 7-point scale.

Transamerica Retirement Solutions is prohibited by law from providing tax or legal advice. The information contained on the site is intended solely to provide general summary information and is not intended to serve as legal or tax advice applicable to certain matters or situations. For legal or tax advice concerning your situation, please consult your attorney or professional tax advisor. Although care has been taken in preparing this material and presenting it accurately, Transamerica Retirement Solutions disclaims any express or implied warranty as to the accuracy of any material contained herein and any liability with respect to it.

² The Transamerica stable value investment choices are backed by the general account of Transamerica Life Insurance Company ("TLIC") or Transamerica Financial Life Insurance Company ("TFLIC"). While TLIC or TFLIC declare rates periodically and back the principal and interest of these investment choices, any guarantees are subject to the claims paying ability of the insurance company. This investment choice is not guaranteed by the FDIC or any other government agency. Although plan participants generally may withdraw assets from the stable value investment choice without restrictions, TLIC/TFLIC may impose a hold period at the contract level in the event of a full contract discontinuance or partial contract discontinuance. Certain unaffiliated stable value investment choices (which are not supported by an insurance company general account) also may be available. These stable value investment choices instead invest in stable value fund bank collective trusts. These stable value investment choices may be subject to book value adjustments for withdrawals under certain circumstances, and the fees associated with stable value investment choices generally reflect different crediting rate/charge structure combinations. All Transamerica companies identified are affiliated.

³ Target date investment choices are subject to the same risks as the underlying asset classes in which they invest. The underlying fund's asset allocation becomes more conservative over time, meaning that the percentage of assets allocated to stocks will decrease while the percentage of assets allocated to bonds and fixed income assets will increase as you approach the target date. Generally, the higher the fund's allocation is to stocks, the greater the risk. The significance of the underlying fund’s target date is that it is the date at or around which the fund assumes you plan to start withdrawing your money. The principal value of the underlying fund and investment choice is not guaranteed at any time, including at and after the target date. You may lose money by investing in this investment choice, including losses near and following retirement. There is no guarantee that the underlying fund will provide adequate retirement income.

⁴ Transamerica Retirement Solutions was awarded 47 “Best in Class” Cups in the under $5 million to $1 billion markets in PLANSPONSOR® magazine's 2015 Defined Contribution Survey for sponsor and participant services. The complete results of the Defined Contribution Survey were announced in the November 2015 issue of PLANSPONSOR® magazine. The survey polled 5,109 clients. “Best in Class” awards are given to the three highest scoring providers in each area of service and any other providers with scores that exceed the benchmark score established for a given asset range.

⁵Transamerica’s plan sponsor and plan participant websites have been awarded DALBAR’s Seal of Excellence for ten consecutive years. DALBAR, Inc. is one of the nation’s leading financial services market research and consulting firms. DALBAR’s website evaluations and points are given for achievement in set criteria within the following five categories: functionality, usability, behavior centric attributes, content currency, and consistency.