Transamerica Retirement Advisors, LLC

Jill Winter is a financial advisor with Transamerica Retirement Advisors, LLC, holding the Series 63 and Series 65 credentials and seven years of industry experience. Her prior work includes roles at Equitable and its affiliated entities between 2018 and 2022, as well as time at CompHealth from 2016 to 2017. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through managed advice programs and investment education services. The firm utilizes Morningstar Investment Management for portfolio construction and oversight, offering both managed portfolios and non-discretionary recommendations to a large client base.

John Myers is a financial advisor at Transamerica Retirement Advisors, LLC with 15 years of industry experience. He holds a Series 66 designation and previously worked at T. Rowe Price Investment Services, Inc. from 2010 to 2019. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through managed advice programs and investment education services. The firm uses proprietary software and portfolio oversight from Morningstar Investment Management to provide asset allocation, contribution rate, and retirement age guidance.

Rustomji Dubash is a financial advisor with Transamerica Retirement Advisors, LLC, holding Series 63 and Series 66 licenses and bringing 22 years of industry experience. He has been associated with Diversified Investors Securities Corp. and Diversified since 2012. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through various managed advice programs and investment education services. The firm utilizes Morningstar Investment Management’s proprietary software and model portfolios to provide personalized asset allocation and retirement guidance for a broad client base.

Christopher Hernandez is a financial advisor with Transamerica Retirement Advisors, LLC, holding Series 63, Series 65, and Series 66 licenses and bringing 8 years of industry experience. His prior roles include positions at Bank of America, Merrill, Wells Fargo, NYLIFE Securities, Comerica Bank, and Comerica Securities. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through various managed advice programs that emphasize asset allocation, contribution rates, and retirement age guidance. The firm leverages Morningstar Investment Management’s proprietary tools for portfolio construction and oversight, operating at scale with over 212,000 clients and focusing primarily on non-discretionary assets.

Terry Murphy is a financial advisor with Transamerica Retirement Advisors, LLC, holding Series 63 and Series 66 licenses and possessing 29 years of industry experience. He has been with Transamerica Retirement Management and Transamerica Financial Advisors since 2008. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners, offering managed advice programs and investment education services. The firm’s investment approach incorporates model asset allocations and portfolio oversight provided by Morningstar Investment Management, focusing on asset allocation, contribution guidance, and retirement planning through both implemented managed portfolios and non-discretionary recommendations.

Jason Pope is a financial advisor with Transamerica Retirement Advisors, LLC, holding Series 63 and Series 65 licenses and 19 years of industry experience. His prior roles include positions at Primerica Financial Services and various Transamerica-affiliated firms. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners by providing managed and non-discretionary investment advice focused on asset allocation, contribution rates, and retirement planning. The firm uses proprietary tools from Morningstar Investment Management and supports a large client base primarily through scaled, non-discretionary asset management programs.

Daniel Guzzo is a financial advisor with Transamerica Retirement Advisors, LLC, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked with Transamerica Investors Securities Corporation and Transamerica Retirement Solutions since 2015. Guzzo is also involved with the Taproot Foundation, an organization he has supported since 2012. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through programs that offer managed portfolios and non-discretionary recommendations. The firm’s investment approach incorporates proprietary software and model asset allocations provided by Morningstar Investment Management, focusing on asset allocation, contribution rate, and retirement age guidance.

Francisco Fuentes is a CFP®-designated financial advisor with 27 years of industry experience, currently affiliated with Transamerica Retirement Advisors, LLC. His prior roles include positions at Cetera Investments Advisers, Cetera Financial Specialists, and Protranslating. Based in Miami, FL, he has been with the Transamerica group since 2018. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through managed advice programs and investment education services. The firm leverages Morningstar Investment Management for portfolio construction and oversight, focusing on asset allocation and retirement guidance for a broad client base.

Jonathan Velez is a financial advisor with Transamerica Retirement Advisors, LLC, holding Series 63 and Series 65 licenses and having 10 years of industry experience. His prior work includes roles at JP Morgan Securities LLC, JP Morgan Chase Bank, and Wells Fargo Clearing. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through managed advice programs and investment education services. The firm’s investment approach incorporates proprietary model portfolios and ongoing oversight from Morningstar Investment Management, focusing on asset allocation, contribution guidance, and retirement planning solutions.

Scott Rosati is a financial advisor with Transamerica Retirement Advisors, LLC, holding a Series 66 designation and 24 years of industry experience. His prior roles include positions at Transamerica Life Insurance Company, Prudential Insurance Company of America, and Scottrade. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through managed advice programs and investment education services, using portfolio strategies supported by Morningstar Investment Management and offering both discretionary and non-discretionary recommendations.

Jeffrey Bruce is a financial advisor with Transamerica Retirement Advisors, LLC, holding Series 63 and Series 66 credentials and 24 years of industry experience. He has worked at Transamerica Investors Securities Corporation and Transamerica Retirement Solutions since 2014. Transamerica Retirement Advisors serves participants in employer‑sponsored retirement plans and IRA owners, offering managed advice programs and investment education focused on asset allocation, contribution rates, and retirement age. The firm’s approach relies on Morningstar Investment Management for portfolio construction and oversight, serving a large client base primarily through non‑discretionary advisory services.

Cesar Bernal is a financial advisor at Transamerica Retirement Advisors, LLC with 12 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at firms including Alight Financial Advisors LLC, J.P. Morgan Securities, and Valic Financial Advisors. He is based in Miami, FL. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners by providing managed advice programs and investment education, utilizing proprietary portfolio software and model allocations from Morningstar Investment Management. The firm focuses on non-discretionary and discretionary assets at scale and operates within the broader Transamerica/AEGON group.

John Illingworth is a financial advisor at Transamerica Retirement Advisors, LLC with 19 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including OneAmerica Securities, American United Life, and Edward Jones. He is a board member of the Indiana State University Scott College of Business Young Professionals Board. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners, providing managed and non-discretionary investment advice integrated with Morningstar Investment Management’s portfolio models and oversight. The firm operates at scale with over 212,000 clients and focuses on retirement plan investment guidance rather than high-net-worth or standalone financial planning.

Steven Beller is a Certified Financial Planner (CFP®) with 30 years of industry experience. He is affiliated with Transamerica Retirement Advisors, LLC and has worked with Transamerica Investors Securities Corporation and TransAmerica Retirement Solutions since 2014. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through managed advice programs and investment education services. The firm utilizes proprietary software and model portfolios developed by Morningstar Investment Management to provide personalized asset allocation and retirement guidance.

Cole Welsh is a financial advisor with Transamerica Retirement Advisors, LLC, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. He has worked within various Transamerica entities since 2015, including Transamerica Investors Securities Corporation and TransAmerica Retirement Solutions. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through programs providing managed and non-discretionary investment advice. The firm utilizes proprietary technology and model portfolios from Morningstar Investment Management to offer personalized asset allocation and retirement guidance at scale.