Scott Jozefowski is a financial advisor with Transamerica Retirement Advisors, LLC, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. His career includes roles at Transamerica Investors Securities Corporation, Transamerica Retirement Solutions, GWFS Equities, and Diversified Investment Advisors. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through managed advice programs and investment education services, utilizing proprietary software and model portfolios developed in partnership with Morningstar Investment Management. The firm operates at scale with over 212,000 clients and emphasizes non-discretionary asset management rather than targeting high-net-worth or corporate clients.

Halee Dickinson is a financial advisor with Transamerica Retirement Advisors, LLC in Evansville, IN, holding a Series 66 designation and two years of industry experience. Prior to joining Transamerica, she worked at Edward Jones and Old National Bank, among other roles. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners by providing managed advice and investment education, utilizing proprietary software and model portfolios developed in partnership with Morningstar Investment Management. The firm focuses on asset allocation and retirement guidance through both discretionary and non-discretionary programs.

William Carver is a financial advisor with Transamerica Retirement Advisors, LLC in Fayetteville, NC. He holds Series 63 and Series 66 licenses and has 14 years of industry experience. His prior work includes roles at Bank of America Merrill Lynch, Northwestern Mutual, Thrivent Financial, MassMutual, and Guardian Life Insurance Company. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through managed advice programs and investment education services. The firm uses Morningstar Investment Management’s proprietary software and model portfolios to provide both discretionary and non-discretionary guidance focused on asset allocation, contribution rates, and retirement planning.

Travis Bretoi is a CFP® certificant with nine years of industry experience, currently serving as a financial advisor at Transamerica Retirement Advisors, LLC. His prior roles include positions at Transamerica Life Insurance Company and Transamerica Investors Securities Corporation since 2020, as well as experience with TD Ameritrade from 2017 to 2020. Transamerica Retirement Advisors provides investment advice and education services primarily to participants in employer-sponsored retirement plans and IRA owners. The firm utilizes Morningstar Investment Management’s proprietary software and model portfolios to deliver both managed and non-discretionary investment recommendations.

Shawn De Vries is a financial advisor with Transamerica Retirement Advisors, LLC, holding Series 63 and Series 65 licenses and 17 years of industry experience. His prior experience includes roles at Transamerica Life Insurance Company and Transamerica Investors Securities Corporation, as well as operating his own insurance agency for 14 years. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners, providing managed advice programs and investment education services. The firm uses proprietary software and model portfolios developed with Morningstar Investment Management to deliver personalized asset allocation and retirement guidance.

Christopher Cazalas is a financial advisor at Transamerica Retirement Advisors, LLC with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at Bank of America, Merrill, and Advised Assets Group, among other firms. In addition to his advisory role, Cazalas is the owner and president of the Congressional Information Bureau, a company that publishes a daily newsletter focused on the maritime industry. Transamerica Retirement Advisors serves employer-sponsored retirement plan participants and IRA owners, offering managed advice and investment education services. The firm utilizes Morningstar Investment Management’s proprietary software and model portfolios to provide personalized asset allocation and retirement guidance through various advisory programs.

Michael Romanoski is a financial advisor at Transamerica Retirement Advisors, LLC with 26 years of industry experience. He holds Series 63, Series 65, and Series 66 credentials. Prior to joining Transamerica in 2017, Romanoski worked at UBS Financial Services and KeyBanc Capital Markets. Outside of his advisory role, he is also involved as an owner and partner in Koru Fiber & Dairy, a business focused on breeding and sale of livestock, fiber products, and related educational activities. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through managed advice programs that emphasize asset allocation and retirement guidance. The firm uses proprietary software and model portfolios developed by Morningstar Investment Management to provide both discretionary and non-discretionary investment services.

Jonathan Robinson is a financial advisor with Transamerica Retirement Advisors, LLC, holding Series 63, 65, and 66 licenses and bringing 37 years of industry experience. His career includes positions at Northwestern Mutual, LPL Financial, and Chase Investment Services. Outside of his advisory work, he has worked as an Uber driver. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners by providing managed advice and investment education services. The firm employs proprietary tools from Morningstar Investment Management to deliver personalized portfolio construction and guidance through both discretionary and non-discretionary programs.

Giancarlo Guizado is a financial advisor with Transamerica Retirement Advisors, LLC, holding Series 63 and Series 65 licenses and four years of industry experience. His prior work includes roles at LPL Financial LLC, Principal Life Insurance Company, New York Life, and various fitness-related businesses. He also works seasonally as a tax preparer for a tax preparation business. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through managed advice programs and investment education services. The firm employs proprietary software and third-party model portfolios for asset allocation and retirement planning, servicing over 200,000 clients with a focus on non-discretionary assets.

Christine Meyer is a financial advisor with Transamerica Retirement Advisors, LLC, holding a Series 66 designation and 13 years of industry experience. She previously worked at AXA Advisors and Equitable Advisors before joining Transamerica in 2017. Outside of her advisory work, Meyer is a practicing artist and serves on the Board and Finance Committee of Art Center Manatee in Bradenton, FL, where she volunteers and holds the position of vice president. Transamerica Retirement Advisors serves participants in employer‑sponsored retirement plans and IRA owners by providing managed advice and investment education services. The firm’s offerings include personalized asset allocation and retirement guidance, relying on Morningstar Investment Management for proprietary portfolio modeling and oversight.

Samuel Ternes is a financial advisor with Transamerica Retirement Advisors, LLC, holding Series 63 and Series 66 credentials and 16 years of industry experience. He has been working with Transamerica Investors Securities Corporation and Transamerica Retirement Solutions since 2016. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through multiple advice programs, providing asset allocation guidance and managed portfolio options that rely on proprietary tools and model oversight from Morningstar Investment Management. The firm operates at scale with a large client base and primarily focuses on non-discretionary asset management rather than high-net-worth or standalone financial planning services.

Amy Birtcher is a financial advisor with Transamerica Retirement Advisors, LLC, holding Series 63, 65, and 66 licenses and bringing 28 years of industry experience. She has been with Diversified Investment Advisors, Inc. and Diversified Investors Securities Corp. since 2006. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through managed advice programs and investment education services, utilizing Morningstar Investment Management’s proprietary tools for portfolio construction and oversight. The firm operates at scale with a large client base and a focus on non-discretionary asset management.

Michael Stark is a financial advisor at Transamerica Retirement Advisors, LLC with 19 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at firms including J.P. Morgan Securities, Wells Fargo Clearing, and Clark Brothers Investments. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners by providing managed and advisory services focused on asset allocation, contribution rates, and retirement age guidance. The firm utilizes Morningstar Investment Management as an independent financial expert for portfolio construction and operates with a large client base and primarily non-discretionary assets.

Crystal Kelly is a financial advisor with Transamerica Retirement Advisors, LLC, holding Series 63 and Series 65 licenses and 11 years of industry experience. She has worked with Transamerica entities since 2013. 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 guidance. Their approach incorporates portfolio construction and oversight powered by Morningstar Investment Management, providing both discretionary and non-discretionary advice to a broad client base.

Elisabeth Henderson is a financial advisor with Transamerica Retirement Advisors, LLC, holding Series 63 and Series 65 credentials and 12 years of industry experience. She has been with Transamerica Retirement Solutions and related entities since 2013. Outside of her advisory role, she is involved in authoring a cookbook and is the legal owner of an online apparel store managed by her son. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners, offering managed portfolios and non-discretionary recommendations supported by Morningstar Investment Management’s proprietary software and model asset allocations. The firm operates on a large scale with a focus on asset allocation, contribution guidance, and retirement planning education.

Jason Wetmore is a financial advisor at Transamerica Retirement Advisors, LLC with 25 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at firms including Waddell and Reed and Transamerica Financial Advisors, Inc. His background includes sales of insurance and non-insurance products for Transamerica-affiliated companies. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through managed advice and investment education services, using proprietary tools from Morningstar Investment Management to deliver personalized asset allocation and retirement guidance.

Robert Leighton is a financial advisor at Transamerica Retirement Advisors, LLC with three years of industry experience. He holds a Series 66 designation and previously worked at Edward Jones from 2022 to 2026. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through various managed advice programs and investment education services, relying on Morningstar Investment Management for portfolio construction and ongoing oversight.

Dennis Rooney is a financial advisor with Transamerica Retirement Advisors, LLC in Charlotte, NC, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. He 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 relies on Morningstar Investment Management for portfolio construction and oversight and manages a large client base primarily through non-discretionary asset management.

Alison Lohmann is a financial advisor with Transamerica Retirement Advisors, LLC, holding a Series 66 designation and bringing 10 years of industry experience. She has been with Transamerica Retirement Solutions and Transamerica Investors Securities Corporation since 2018. Prior to that, she worked at Dreamscape Planning and CETERA Advisor Networks LLC. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners by providing managed advice and investment education services. The firm emphasizes asset allocation and retirement planning using proprietary software and model portfolios developed in partnership with Morningstar Investment Management.

Brad Marzano is a financial advisor with Transamerica Retirement Advisors, LLC, holding Series 63 and Series 65 credentials and 16 years of industry experience. His prior work includes roles at Schwab Retirement Plan Services, The Huntington Investment Company, LPL Financial, and Voya Financial Partners. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners, offering a range of managed advice programs that combine proprietary portfolio models and third-party expertise with a focus on asset allocation and retirement guidance.