Voya Advice & Guidance
Voya offers a comprehensive suite of in-plan and out-of-plan advice & guidance solutions designed to help your employees chart their best path forward to achieve their financial goals.
Our position as an industry leader and our approach to helping transform financial care in the workplace sets us apart. We meet participants where they are to provide solutions that extend beyond the workplace.
Let us help your employees feel more financially confident, now and in the future.
90% of working Americans find advice and guidance makes them feel more confident in their investment decisions1
Voya Select Advantage IRA
Voya Select Advantage IRA is a mutual fund custodial account designed for retirement assets. Through the Voya Select Advantage IRA, your employees gain access to many well-known fund managers, and they can invest across mutual fund families, allowing them to potentially benefit from each fund manager’s individual strengths.
Voya Brokerage IRA
Our brokerage platform gives your employees the opportunity to select from a large universe of investments, including industry-leading money managers and well-known mutual funds. And your employee maintains control over their investments.
Voya Retirement Advisors (VRA)
VRA offers solutions that recognize individuals don’t have to be investing experts to manage their retirement account. Online Advice and Managed Accounts (Professional Management)* consider that some participants may enjoy actively managing their accounts, while others may prefer to have a professional investment manager do it for them. In addition to managed accounts provided through VRA, Voya also offers Advisor Managed Accounts through established relationships with some Registered Investment Advisory firms.
*Available for an additional fee.
Voya Digital Advisor (VDA)
As your employees' lives evolve and change, they may wish to review and adjust their strategy to help ensure it remains aligned with their financial needs and goals. While VDA is a digital investment experience, they will have access to a VFA investment adviser representative (IAR), who will meet with them to discuss their investment through VDA, provide guidance as needed, and answer any questions.
Our straightforward investment approach can help your employees work toward their financial objectives, so they can feel good about their future. The process is simple, and they can fund their account with as little as $5,000:
- Answer questions about their investment objectives and risk tolerance.
- Complete an investor profile.
- Review and confirm investment portfolio options and open the account.
To learn more about our products and services, please contact your local Voya Representative, or complete this Contact Us form.
1 *Voya Financial Consumer Insights & Research survey conducted March 9-10, 2023, on the Ipsos eNation omnibus online platform among 1,005 adults aged 18+ in the U.S.
2 Accounts with values less than $15,000 will incur a $50 annual maintenance fee. An annual recordkeeping fee of 0.50%-0.60% applies to all accounts. Fund operating expenses also apply.
3 A plan participant leaving an employer typically has four options (and may engage in a combination of these options). These options are to leave the money in the former employer's plan (if permitted), roll over the assets to a new employer's plan (if one is available and rollovers are permitted), roll over to an IRA or to cash out the account value.
4 Charges will apply if distributions taken prior to age 59½
5 Auto-rebalancing and dollar cost averaging do not ensure a profit nor guarantee against loss and cannot be elected together.
Some plan services may not be available to all plans, due to plan type or size. Each plan must consider the appropriateness of the investments and plan services offered to its participants. Participants will be charged a fee for certain services.
Financial education provided in person or over the phone is provided by registered representatives of Voya Financial Advisors, Inc. (member SIPC).
Onsite and Voya Learn education is provided by registered representatives of Voya Financial Partners, LLC (member SIPC) or Voya Financial Advisors.
Financial planning and investment advisory services offered for assets outside of the employer sponsored plan are provided by investment adviser representatives of Voya Financial Advisors.
In-plan advisory services may not be available to all plans and vary based on plan type and size. Advice options are provided by Voya Retirement Advisors, LLC.
Voya Financial Advisors, Voya Financial Partners, and Voya Retirement Advisors are members of the Voya® family of companies.
Advisor Managed Accounts is offered by Morningstar Investment Management LLC and is intended for citizens or legal residents of the United States or its territories. The portfolios available through Advisor Managed Accounts are created by an investment adviser (the “IA”) chosen by a plan sponsor. Morningstar Investment Management LLC, a registered investment adviser and subsidiary of Morningstar, Inc., is responsible for participant portfolio assignment from those portfolios created by the IA. The IA is not affiliated with Morningstar Investment Management and Morningstar Investment Management is not responsible for the portfolios the IA creates. The IA is not responsible for the portfolio selection made by Morningstar Investment Management, nor for other recommendations made by Morningstar Investment Management through Advisor Managed Accounts. Investment advice delivered by Morningstar Investment Management is based on information provided and limited to the investment options available in each retirement plan. Projections and other information regarding the likelihood of various retirement income and/or investment outcomes are hypothetical in nature, do not reflect actual results, and are not guarantees of future results. Results may vary with each use and over time.
Morningstar Investment Management and Morningstar, Inc. are not affiliated with the Voya family of companies.
Voya Institutional Trust Company is the custodian for mutual fund custodial accounts distributed by Voya Financial Partners LLC (member SIPC) or other broker-dealers with which it has a wholesaling or selling agreement. Recordkeeping services provided by Voya Retirement Insurance and Annuity Company (Windsor, CT). All named companies are members of the Voya® family of companies.