What’s the value

of financial advice?
According to Voya research*, Americans who work with
financial professionals are significantly more prepared for the
range of decisions important in retirement — compared to
those who try to do it alone.
Let’s look at the power of financial advice
and the benefit of using a financial professional.

Financial professionals are invested in your future

Financial professionals offer tailored investment advice based on where you are with a
focus on where you want to be. Of those working with a financial professional leading up to
retirement: 76% plan to adjust their investment strategy VS. 35% of those not working with
a financial professional.

94% 50% of those working with

Plan for a financial professional plan to learn
more about calculating expected
retirement income Of those working
with a financial monthly expenses 5+ years prior to
A financial professional can professional: their target retirement date.
help you make more informed 94% feel more
decisions, so you can embrace 42% prepared to estimate
the social, emotional and financial
aspects of retirement — because
their retirement
monthly income
19% of those not working
with a financial professional plan on
saving is only the first step. VS. 42% of those not
waiting until the year they retire to
working with a financial
calculate monthly expenses.
professional.

Of those working with

Plan for healthcare
A financial professional can help you
see the bigger picture, as well as
plan for the rising cost of healthcare
and long-term care.
a financial advisor:
80% feel more prepared to
estimate healthcare costs
VS. 48% of those not working
with a financial professional. 70%
80% Did you know?
48% Those 65 and older have a 70%
likelyhood of requiring some of
long-term care support or services.
Not sure where to start?
Here are a few questions and considerations to help you choose a financial professional.
1. Does the financial professional offer services
and solutions to meet your immediate and
future needs?
Your financial professional should carefully listen to you
and recommend personalized, actionable steps to meet
your goals — whether it is a simple savings or protection
solution or a comprehensive and ongoing financial plan.
2. What is the profile of the financial professional’s
average client? Does he/she specialize in serving any
particular type of client?
It’s important your financial professional has experience
helping clients with profiles similar to your own.
5. What are the financial professional’s qualifications
and how many years of experience do they have in
the business?
A financial professional’s licenses, credentials, years
of experience and areas of expertise are all vital to
determining the services they can offer your.
6. Can the financial professional offer you insurance
products, securities (e.g. stocks and mutual funds) and
develop financial plans to help you achieve your goals?
Make sure your financial professional can create a
comprehensive plan by using a diverse selection of
financial tools and vehicles.

3. How often will the financial professional interact
with you?
Make sure you’re comfortable with both the frequency
and mode of communication with your financial
professional, such as in person or via phone, text
message, etc.
4. Will you deal with the financial professional and/or
their team?
It’s not uncommon for a financial professional to have a
team of support, but you should be familiar with who will
be handling your account.
7. Is the financial professional paid on a commissions,
commissions and fees, or fee-only basis?
It’s important your financial professional is clear about
how they will be paid for their services.
8. Have any formal complaints been filed against the
financial professional?
If you wish, you can complete a background check by
visiting FINRA’s “brokercheck” website www.finra.org.

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* Survey results are based on findings from an online CARAVAN® survey commissioned by Voya Financial and conducted by Engine (formerly ORC International) of 1,004 adults in the
U.S. ages 18 and older. Responses were collected between Aug. 20-22, 2018.

Not FDIC/NCUA/NCUSIF Insured I Not a Deposit of a Bank/Credit Union I May Lose Value I Not Bank/Credit Union Guaranteed I Not Insured by Any Federal Government Agency
Insurance products, annuities and retirement plan funding issued by (third party administrative services may also be provided by) Voya Retirement Insurance and Annuity Company
(“VRIAC”), Windsor, CT. VRIAC is solely responsible for its own financial condition and contractual obligations. Plan administrative services provided by VRIAC or Voya Institutional Plan
Services LLC (“VIPS”). VIPS does not engage in the sale or solicitation of securities. All companies are members of the Voya® family of companies. Securities distributed by Voya
Financial Partners LLC (member SIPC) or third parties with which it has a selling agreement. Custodial account agreements or trust agreements are provided by Voya Institutional
Trust Company. All products and services may not be available in all states.

Insurance products, annuities and funding agreements are issued by Voya Retirement Insurance and Annuity Company ("VRIAC"), Windsor, CT. VRIAC is solely
responsible for its own financial condition and contractual obligations. Plan administrative services provided by VRIAC or Voya Institutional Plan Services LLC ("VIPS").
VIPS does not engage in the sale or solicitation of securities. All companies are members of the Voya® family of companies. Securities distributed by Voya Financial
Partners LLC (member SIPC) or third parties with which it has a selling agreement. All products and services may not be available in all states.

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