Defined  Benefit/Cash Balance Plan Solutions

As part of Transamerica Retirement Solutions' long-standing commitment to anticipating and fulfilling your evolving needs, we are proud to offer you the following materials to support your client servicing initiatives. Transamerica and its affiliates have been providing Defined Benefit (DB) solutions for over 70 years, and have more than $20 billion in retirement plan assets, including $5 billion in DB plan assets. Servicing over 17,000 retirement plans with over 150  DB plan sponsors, Transamerica and its affiliates have an annual DB client retention rate of 98%.*

Transamerica's expertise in the traditional defined benefit (DB) and cash  balance plan space allows us to offer clients:

  • Hundreds of quality investment  choices from over 40 leading investment management companies, including Stable Value funds and long-term bond funds available on a mutual fund or separate  account platform
  • Benefit payment administration services including a payee call center
  • The Transamerica Investment Monitor (TIM) is used to help select and monitor investment choices that are made available on Transamerica's investment platform that have a reasonable expectation of providing positive performance over the long term.

Selling DB and cash balance plans may  help you:

  • Leverage DB plans as a great way to pick up 401(k) business.
  • Obtain increased and expanded sales commissions that come with longer-lasting relationships.
  • Increase client retention when you manage both the DC and DB plans.
  • Distinguish yourself.

Questions to Ask Your Clients and  Prospects

Are you interested in attracting and retaining employees in a tax advantaged way?
Present them with Transamerica's Defined Benefit Solution

Are you interested in maximizing  your retirement plan contributions to rebuild or grow your nest egg in a tax  advantaged way?
Present them with Transamerica's Cash Balance Plans for the Small Employer

DB and Cash Balance Investing  Strategy Tools and Resources:
Transamerica has developed a library of tools and resources for financial advisors to understand and assist clients with investing methods and modeling for  traditional DB and cash balance plans.

DB Investing Strategies Brochure: The DB Investing Strategies brochure, accompanied by a 12-page Asset Allocation Guide and hard copy DB Questionnaire,  is a comprehensive tool that describes in detail how both traditional DB and  cash balance plans function, how benefits accrue, how benefits are distributed,  and how plan liabilities perform. This brochure offers guidelines for  identifying a portfolio that best suits the plan's needs.

The brochure also discusses  Transamerica's investment choices available, provides sample asset allocation  portfolios, and showcases Transamerica's dedication and expertise in servicing  these plans.

DB Asset Allocation Questionnaire: This tool asks a series of questions pertaining to your  client's DB or cash balance plan and offers sample asset allocation portfolios  based on the answers. This questionnaire is available in hard copy form and is  accessible online below.


* Statistics as of December 31, 2011.

Transamerica Retirement Solutions  Corporation is an affiliate of Transamerica Investors Securities Corporation  (TISC). Securities are offered by TISC, 440 Mamaroneck Avenue, Harrison, NY  10528.

Transamerica or Transamerica  Retirement Solutions refers to Transamerica Retirement Solutions Corporation.  

Plan-related recordkeeping and  administration services are provided by Transamerica Retirement Solutions Corporation ("Transamerica" or "Transamerica Retirement  Solutions"). The investment  choices are available through a contract issued by Transamerica Financial Life  Insurance Company ("TFLIC"), TA-AP-2001-CONT, or Transamerica Life  Insurance Company ("TLIC"), TGP-439-194, TGP-416-192/194,  TGP-430-192/194, CNT-TALIAC 05-02, or CNT-TLIC 10-05. Transamerica is an  affiliate of TFLIC and TLIC. TFLIC is not authorized and does not do business  in the following jurisdictions: Guam, Puerto Rico, and the U.S. Virgin Islands.  TLIC is not authorized in New York and does not do business in New York.  Contract form and number may vary, and these investment choices may not be  available in all jurisdictions. Fees and charges may apply. Certain limitations  on the number of investment choices for your plan will still apply. For  complete information, contact your Transamerica representative. All investments  involve risk, including loss of principal and there is no guarantee of profits.

Additional Footnote:

Transamerica does not provide investment advice. Sample  asset allocation portfolios are offered for illustrative purposes only. Transamerica  is not a fiduciary with respect to the plan as defined by ERISA including, but  not limited to, sections 3(21), 3(38) or 3(16), nor is it responsible for a  plan's selection, monitoring or de-selection of investments.

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 a financial professional.
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This material is being provided for informational purposes only. It should not be viewed as an investment recommendation by Transamerica for customers or prospective customers. Customers seeking advice regarding their particular investment needs should contact a financial professional.
© Copyright 2019 Transamerica Retirement Solutions, LLC. All rights reserved.