Make your last move to Voya Financial Advisors, Inc.

Transcription

1 Make your last move to Voya Financial Advisors, Inc. For broker/dealer use only. Not to be used with the public.

2 Voya Financial Advisors, Inc. With a vision of becoming America s Retirement Company, Voya Financial, Inc. named a 2014 World s Most Ethical Company by the Ethisphere Institute* is a leading provider of retirement, investment and insurance solutions. As part of the Voya family of companies, Voya Financial Advisors is a top independent broker-dealer network supporting the guiding principle centered on advancing the state of retirement readiness for millions of Americans. Independence Our independent environment gives you the flexibility to build your practice without proprietary sales requirements or restrictive covenants. We offer a menu of education, engagement, advice and planning programs designed specifically for you and the needs of your clients across life stages and income levels. Transparency As your business partner, we aim to deliver what you need. Voya Financial Advisors monthly affiliation fee is $175. We know it s important to remain competitive to earn your business. That s why we offer cutting-edge tools and services as part of this fee aimed at helping you run a more efficient and profitable business. Here s what your money buys: resources for the advice- and guidance-based professionals sleeve technology allowing multiple strategists on a common account with enhanced reporting and a single statement that includes Outlook synch, mobile access, and CRM integration with Books and Records on access to practice management resources brokerage accounts research, support and education for Direct Participation Programs (DPPs) and/or Real Estate Investment Trusts (REITs) it faster and easier to process new business, which includes: - Docupace imaging - Electronic check deposit For broker/dealer use only. Not to be used with the public. * The World s Most Ethical Company assessment is based upon the Ethisphere Institute s Ethics Quotient framework. Developed to assess an organization s performance in an objective, consistent and standardized way. Scores are generated and weighted in five categories: ethics and compliance program, reputation, leadership and innovation, governance, corporate citizenship and responsibility and culture of ethics.

3 Lead-driving marketing program Because we re truly embedded in the retirement marketplace, we also have the distinct opportunity to deliver a marketing program for qualified advisors with access to more than five million participants.* Our goal is to put you in a position to serve these participants as their trusted advisor to help improve financial literacy. Voya Financial Advisors offers a comprehensive array of financial services and products, including financial and holistic retirement planning, mutual funds, managed accounts, life insurance, alternative investments, institutional investment management, annuities and more. * Source: Voya Customer Analytics Center, 2014 Six Pillars of Success As a long-standing independent broker-dealer, we have remained committed to doing whatever it takes to help you, our financial partners, run your day-to-day businesses so you can focus on managing client relationships. Our six-pillar success strategy delivers: Advisor Platform with an online client interface and cloudbased solution that makes it easier to see and track clients complete financial pictures Service Model that supports independent practices and business strategies for growth Product Mix and Advice- Based Platform that meet the needs of clients across life stages and investment complexities Practice Management and Training programs to help generate business growth and maximize the most efficient use of your time with clients Retirement Income Planning program that provides a guided approach for financial advisors to create retirement income plans for clients Brand to help promote independent businesses supported by America s Retirement Company We d like to partner with you person s individual situation, takes all sources of income into consideration and lays out a well-defined plan. Because you are the answer to putting our belief system into practice, we ll give you the dynamic, comprehensive support you need to grow your practice and demonstrate value to your clients. We ll help you run your business your way. That is our commitment to you. Ready for your last move? Call Voya Financial Advisors for a complimentary broker-dealer comparison: 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 Securities and investment advisory services offered through Voya Financial Advisors, Inc., member SIPC I.R Voya Services Company. All rights reserved. CN# For broker/dealer use only. Not to be used with the public. Voya.com

4 Advisor platform Voya Financial Advisors, Inc. s commitment to you includes the best in technology and tools you ll need to grow your business. You can take advantage of our Web-based platform that provides a clear, organized view of a client s complete financial picture. You ll be able to organize, automate, manage and synchronize your business and client data using a broad array of powerful technology applications supported through an integrated client relationship management platform. Take a look at what we offer when you partner with us. For broker/dealer use only. Not to be used with the public. Voya SmartWorks A cloud-based client relationship management (CRM) system allows you and others in your office to quickly access and manage client data seamlessly with a broad array of financial applications integrated in one system. Powered by Salesforce.com, you have access to an industry-leading CRM system allowing you to stay in touch with your clients more easily and effectively. Use it to stay connected to the news you need to grow your business and to find information on a wide range of topics including advisor solutions, compliance, forms, marketing resources, training opportunities and more. Voya WealthSolutions A new advice-based platform to help meet the changing needs of clients for every stage of the wealth management lifecycle, including comprehensive research and program strategies. Modern, seamless and flexible solutions include sleeve technology which allows you to manage multiple strategists within one account robust reporting capabilities to track money manager performance, improved trading and model management, proposal generation tools and much more. Now you have the ability to offer your clients a unified managed account (UMA). emoney 360 Pro Financial planning Web technology helps you deliver exceptional service, attract top-tier prospects and offer personalized financial planning tools for potential increased fee revenue. emoney gives you the ability to fully aggregate various aspects of a client s savings and personal finances including retirement and credit card accounts, car payments, mortgages, life insurance and disability coverage through a personalized website. You ll get data aggregation, advanced planning, online document storage and marketing communication tools all through one platform. MoneyGuidePro This full-featured financial planning and asset allocation program lets you create holistic financial and retirement income plans. Build customized plans in less than 20 minutes, perform sideby-side portfolio comparisons, allocate client assets in less than 10 minutes and eliminate manual trial-and-error scenario testing.

5 Online Account Opening You and your office staff can process new accounts electronically with our online account opening process. It means less manual entry so you can focus on your client, not your client data. Here s what else it means: quicker investment of client funds efficiency, expand your geographical boundaries, and help protect your customer data Socialware Socialware, an industry leader in delivering compliant, user-friendly social media tools for financial professionals, offers Web-based and mobile technologies to help you build and enhance your network of high-quality connections with the goal of driving revenue. It s a communication platform that turns everyday conversations into interactive dialogues between you, your community, and your current and media in a compliant environment can deliver a rich brand experience integral to growing your business. NetX360 Pershing s NetX360 lets you take advantage of its broad range of versatile online training tools, market information, research, alerts and detailed account information including activity, trading, position, annual reports, rate board and more. NetX360 CRM capabilities include tracking of all pertinent information on clients and prospects to help improve productivity and efficiency, manage client interactions more effectively, and gain insight into the behavior and value of your clients. No matter where you are, in the office or at a client appointment, you ll have information available at your fingertips to assess your client s financial situation and take action. We ll help you run your business your way. That is our commitment to you. Ready for your last move? Call Voya Financial Advisors for a complimentary broker-dealer comparison: 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 Special Note: Qualified accounts (defined as ERISA and IRAs) are not allowed to hold Voya Investments in the UMA. Therefore, GPMM Mutual Fund and ETF programs may not be held in the qualified accounts. In addition, qualified Advisor Directed sleeves may not hold ING investments. We will oversee these accounts to ensure that this requirement is adhered to. Securities and investment advisory services offered through Voya Financial Advisors, Inc., member SIPC I.R Voya Services Company. All rights reserved. CN# For broker/dealer use only. Not to be used with the public. Voya.com

6 Product mix and advice-based platform Voya Financial Advisors, Inc. can help you meet the needs of your clients across all life stages and investment complexities. Our tools, resources and platform give you the flexibility to address many of your clients financial situations, helping them to succeed while allowing your independent business to grow. Take a look at our product, program and strategic solutions organized by financial needs. The solutions build in investment complexity allowing you to customize the right mix for your clients. Simple Solutions These solutions provide access to individual securities, mutual funds and 529 plans. Personalized Programs Personalized programs give you and your clients access to risk-based portfolios and income-generating programs. Sophisticated Strategies These strategies are advisory programs that allow you to develop unique, customized product solution sets for your clients. the changing needs of your clients. We give you the programs that enable you to provide holistic financial planning guidance regardless of life stage and investment complexity. Through our broad suite of financial products and solutions, you have the choice financial planning and investment needs. We ll help you run your business your way. That is our commitment to you. Ready for your last move? Call Voya Financial Advisors for a complimentary broker-dealer comparison: 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 Securities and investment advisory services offered through Voya Financial Advisors, Inc., member SIPC. For broker/dealer use only. Not to be used with the public. Voya.com

7 Practice management and training Voya Financial Advisors, Inc. delivers the tools and training that help generate business growth and maximize the most efficient use of time with clients. With our marketing, online tools, conferences and training, you ll be able to focus your efforts on growing your business and the needs of your clients. Take a look at what we offer when you partner with us. Marketing and Online Tools BenchMarketing Zone Our marketing resource that provides you with an array of customizable, Voya-branded marketing materials including s, seminars, invitations, and presentations that you can personalize with your business name and contact information. Forefield A sales, education and client communication tool that allows you to brand and deliver current, concise and compliant newsletters, economic commentaries, marketing campaigns and more to your clients and prospects. Personalized Websites Deliver efficient client services, prospect for new business and create a powerful web presence for your business. Turnkey Seminars Educational, professionally-designed seminars you can present to your clients or prospects. Conferences and Training Programs Advisor Insight Our annual national sales conference where professionals come together to network, gain product knowledge and learn advanced selling concepts. You ll hear from experts across the industry, as well as senior leadership across the company. Women s Advisory Network Forum An annual conference dedicated solely to issues important to female financial professionals. Benefit from the expertise of industry-leading speakers, senior members of the company, as well as the opportunity to network with your peers. Advisory University Get comprehensive training on transitioning your business to an advisory model. Financial professionals who qualify will get exclusive coaching on how to take their business to the next level to develop and sustain a profitable, compliant advisory practice. For broker/dealer use only. Not to be used with the public.

8 Advisory Masters Provides our top investment advisor representatives with the opportunity to learn advanced business-building techniques, hear from industry experts about the latest trends in running a feebased practice and gain insights about what we re delivering next to support our advisory programs. Retirement Readiness Gives eligible financial professionals the foundation to build and grow their businesses by improving effectiveness and proficiency in advice and planning. Whether in person, on the phone, or through our webinars, we deliver comprehensive training on all our products and services, as well as retirement income planning training. We ll help you run your business your way. That is our commitment to you. Ready for your last move? Call Voya Financial Advisors for a complimentary broker-dealer comparison: 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 Securities and investment advisory services offered through Voya Financial Advisors, Inc., member SIPC I.R Voya Services Company. All rights reserved. CN# For broker/dealer use only. Not to be used with the public. Voya.com

9 Personalized transitions services You ll see that working with our broker-dealer is a business-building opportunity. Transition your business Transitioning your business is no different than moving from one home to another. It s involved, it takes a great deal of planning and there are nuances you have to get used to as you settle into your new neighborhood. For the same reason you would potentially hire a moving company to help with the process, Voya Financial Advisors offers our new financial professionals personalized transition services supported by our Transitions Team. Because Voya Financial Advisors is a financial services powerhouse, our Transitions Team is experienced in moving any size or type of office. Whether your book of business is retirement, insurance, fee- or transaction-based or a mix, our team will customize a transition plan specific to your practice. One-on-one support We want to make Voya Financial Advisors your last move. Once you decide to join us, we ll pair you with a Transitions Case Manager who will work with you to help move your office in a timely manner. Your Transitions Case Manager will spend time getting to know your office and introducing you to people who can help grow your business. Licensed individual retirement solution specialists, an advisory service team, senior leaders, product development specialists, market research analysts and business development managers are all available to expand your business-building opportunities. As you move through the process, your Transitions Case Manager is backed by an entire team of specialists whose goal is to make your move to Voya Financial Advisors a success with uninterrupted service and transparency for you and your clients. This team includes compliance officers, marketing specialists, technology developers, trainers and more. With a team this strong, Voya Financial Advisors strives to ensure no detail of your transition is overlooked. For broker/dealer use only. Not to be used with the public.

10 Support during transition You ll find what you ve been looking for at Voya Financial Advisors. We ll support you leading into, during and after your transition as little or as much as you want. We are here to help familiarize you with tools, products, resources and procedures, plus provide you with ongoing support for account transfers, operational needs, cashiering services and continuous Web-based training. We ll get your business up and running as quickly and easily as possible with customizable services including: including a seamless CRM system for you and your office support team communication tools, like new business cards and stationary Customizable services (cont.) coordination your practice back-office staff compliance teams our internal Broker-Dealer Center website and assurance Seamless Transition At Voya Financial Advisors, our mission is to make your transition seamless. You ll see that working with our broker-dealer is a business-building opportunity the perfect chance to reconnect with your clients, offer new services and products, and open the door to conversations about planning for retirement, consolidating assets and growing your book through new referrals. Our Transitions Case Managers let you focus on taking care of your business and your clients while we keep things on schedule. Now that s a business-building opportunity. And another reason to make Voya Financial Advisors your last move. Ready for your last move? Call Voya Financial Partners for a complimentary broker-dealer comparison: Or visit to learn more about planning your last move to Voya Financial Advisors. 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 Securities and investment advisory services offered through Voya Financial Advisors, Inc., member SIPC I.R Voya Services Company. All rights reserved. CN# For broker/dealer use only. Not to be used with the public. Voya.com

11 Independence for a competitive fee Voya Financial Advisors, Inc. is an independent broker-dealer committed to bringing value to you, your clients and your business for a competitive fee. We re committed to delivering and continuously enhancing our programs, practice management resources and technology tools to help you run an efficient, successful business. Competitive bundled pricing Your monthly affiliation fee includes single sign-on access to: Morningstar, Salesforce.com, Forefield Advisor, LaserApp, DocuPace, online account opening, e-signature, remote check deposit, historical costs basis through Pershing, along with Albridge data integration and our advisory Voya WealthSolutions advisory platform. We provide access to a number of valuable business-building tools. You ll be able to organize, automate, manage and synchronize your business and client data using a broad array of powerful technology applications supported through an integrated advisor platform. Client Relationship Management (CRM) system powered by Salesforce. com that allows you to quickly access and manage client data seamlessly it faster and easier to process new business, which includes: esignature, Docupace imaging and remote check deposit based platform that helps meet the changing needs of clients for every stage of the wealth management lifecycle brokerage accounts representatives and office staff, including new rep training, firm element Continuing Education, compliance training and alternative products training representatives personal brokerage accounts We know these resources are important for your business and your client relationships, but they can be costly. Many broker-dealers include separate compliance fees and technology fees, or may even charge extra for basic services. Voya Financial Partners is transparent: no additional fees, technology fees or branding fees. For broker/dealer use only. Not to be used with the public.

12 Delivering value for your fee You ll find that our transparency helps add perspective around what you get for partnering with us for $175 per month. Compare what we offer as part of our affiliation versus what you get for your fee. We take pride in delivering value to you at a competitive price. Voya Financial Advisors Value Our affiliation fee includes: Estimated Retail Cost: MoneyGuidePro financial planning tool $1, SmartWorks w/ Integrated CRM powered by Salesforce.com $1, Forefield Advisor Marketing & Bench Marketing Zone (BMZ) $1, Albridge Data Integration via SmartWorks $ Morningstar Reports via SmartWorks $ VA Comparison Tool $ LaserApp $ Historical Cost Basis through Pershing $ Docupace $ Online Account Opening includes E-Signature, E-Check deposit, E-blotter $ ESTIMATED RETAIL COST IF PURCHASED SEPARATELY: $6,980.00/year $581.67/month We also include: Access to online rep training Resource Center Practice-building programs Advanced Sales Advisory Services Group Retirement Income Program Succession Planning PRICELESS Ready for your last move? Call Voya Financial Partners for a complimentary broker-dealer comparison: Or visit to learn more about planning your last move to Voya Financial Advisors. 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 Securities and investment advisory services offered through Voya Financial Advisors, Inc., member SIPC I.R Voya Services Company. All rights reserved. CN# For broker/dealer use only. Not to be used with the public. Voya.com

13 Retirement income planning To help meet the growing need for retirement income advice, we developed a retirement income program to help you become the go-to financial advisor your clients seek for guidance. This program can help you retain assets, build lasting relationships with existing clients and gather new assets from clients who aren t getting help from their own advisors. A guided approach Voya Financial Advisors, Inc. s Retirement Income Planning program provides a guided approach for creating retirement income plans for clients. process to follow options income-producing portfolio your business Our retirement income planning program helps you keep pace with the changing needs and demographics of your clients. It s your next big opportunity to grow your business and deepen client relationships. Marketing resources One of the best parts of our program is that we provide the marketing resources you need to navigate through the process. Here are some examples: action checklist and resources to help guide your clients to make the best benefit decisions understand some of the risks they may face throughout retirement organize financial data in one place what they re reading in the plan you provide, as well as a risk tolerance questionnaire, an annual review checklist, a postcard and more We ll help you run your business your way. That is our commitment to you. Ready for your last move? Call Voya Financial Advisors for a complimentary broker-dealer comparison: 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 Securities and investment advisory services offered through Voya Financial Advisors, Inc., member SIPC. For broker/dealer use only. Not to be used with the public. Voya.com

14 Voya WealthSolutions Voya WealthSolutions helps you run your advisory business more efficiently. one platform. client accounts at a household level. with clients. your business. Voya WealthSolutions is an advicebased platform that will help position you to meet the changing needs of your clients who want more relational and holistic financial planning guidance. It has key features and benefits, including sleeve technology which allows you to manage multiple strategists within one account. The new platform also provides robust reporting capabilities to track money manager performance, plus improved trading and model management, proposal generation tools and much more. For the first time, you have the ability to offer your clients a unified managed account (UMA). Alerts Drift alerts can be set up to make you aware when a client s portfolio is no longer within the drift parameters of the model. There s also an anniversary alert that makes managing relationships even easier. Proposals You re able to create and present professional, client-facing proposals using either packaged or customized solutions. Proposal outputs include research reports, as well as analytics of the recommended portfolio(s). Research The platform gives you access to comprehensive, institutional-quality research on money managers available on the platform. In-depth money manager research and relative data points, along with portfolio analysis, help you make appropriate investment selections as well. Powered by Morningstar, the research will allow you to compare the client s existing holdings to the recommended investments. Model portfolios Voya WealthSolutions gives you the ability to create, maintain and trade model portfolios. Models can be developed as single-sleeve or multi-sleeve for an individual client or household, giving you a better overview and process to manage a client s portfolio holistically. Robust trading tools allow you to place single and multiple orders (through block trading and rebalancing) to manage clients and households in a more efficient manner. Model- and sleeve-trading help you rebalance accounts and households. For broker/dealer use only. Not to be used with the public.

15 Performance reports New performance reports provide clients with greater transparency and performance results on an account, household and sleeve level. You ll also be able to create ad hoc and daily extract reports to deliver the most up-to-date information. Performance reports will have time-weighted and dollar-weighted options. Voya WealthSolutions helps you manage your advisory practice more efficiently. The platform provides valuable resources and guidance for financial professionals looking to get into the advisory business for the first time and tools for those experienced advisory providers. Voya WealthSolutions gives you the right platform to help gain market penetration and share to help increase your book of business. Get all you can from this new platform. You can find detailed information and training tools to help you navigate and use the system efficiently on Voya SmartWorks under Advisory Services by clicking on WealthSolutions Platform. If you have any questions about the platform or advisory services in general, please contact the Advisory Services Team at , option 4 or AdvisoryServices@voya.com. For more information please contact: Voya Financial Advisors, Inc. 909 Locust Street Des Moines, IA Option 4 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 Special Note: Qualified accounts (defined as ERISA and IRAs) are not allowed to hold Voya investments in the UMA. Therefore, GPMM Mutual Fund and ETF programs may not be held in the qualified accounts. In addition, qualified Advisor Directed sleeves may not hold Voya investments. We will oversee these accounts to ensure that this requirement is adhered to. Securities and investment advisory services offered through Voya Financial Advisors, Inc., member SIPC I.R Voya Services Company. All rights reserved. CN# For broker/dealer use only. Not to be used with the public. Voya.com

16 Succession Planning We re committed to putting the success in succession planning

17 Years of hard work and service to your clients make you a vital part of the ongoing success of your practice. Putting a succession plan in place now can help keep you, your office and your clients happy long after you transition out of your business. Voya Financial Advisors, Inc. is committed to helping you through the succession planning process, whether you re interested in buying a book of clients to boost your business or finding a buyer if you ve reached a point in your career where you re ready for something new. It may be time to think about a transition out of the business if you are: Unable to invest the time, money, and energy to keep your practice operating to full capacity Having a great deal of difficulty adapting to changes in the industry, technology, compliance, etc. Receiving questions from clients about what will happen to their assets if you leave the business Ready to pursue other business or personal interests We can provide the resources and guidance that fit your needs. A thoughtful and comprehensive succession plan is a critical component for successful business plans. It also helps you achieve alignment between your personal and professional goals, and can serve as a powerful tool for improving your business model and adding value. Having a solid succession plan in place can help you avoid unnecessary economic and systemic risks to your business and potential negative impacts to your employees, clients and future revenue. An effective succession plan outlines a business s operating agreement, including buy and sell provisions, and strengthens its corporate authority. We can help make this process easier to navigate. Succession Strategy Our succession planning strategy is designed to identify value and help you transition using the equity management process as illustrated below. Reward > Equity realized at retirement Growth > Targeted strategies > Acquisition > Re-evaluation Equity Management Valuation > Equity valuation > Practice benchmarking Succession Planning > Continuity planning Equity management encourages growth and acquisition, in addition to retention of clients and assets placing the idea of practice equity at the forefront of every business decision. It can help improve your value and increases the quality and length of service you provide to your clients.

18 Succession Plan Matrix A succession plan should be linked to your personal objectives and time horizon. The option you select for your transition out of the business impacts your legal structure, the resulting business plan, and your clients and employees. The chart below describes the options available, along with the economic considerations, pros and cons, and impact on employees and clients. Internal Transfer Merger or sale Affiliate with a Full divesture succession to heir with peer strategic partner or sale Description Existing owners transfer equity to existing employees through an internal sale One or more of the owners transfers ownership to family heir, usually over a definite period Owners sell or merge with a like-minded independent advisor Owners sell a portion of their firm to join larger ensemble of practices. Could be an equity or partnership transaction Owners sell all of their equity to a buyer, usually a bank, trust company or wealth management firm Economic consideration Cash transaction. Buyer may have to be financed through earn out provisions or funding from a third party Cash or cashless transaction. This plan could be used to transfer wealth and may be tax advantaged Could be stock or a combination of cash and stock. Usually there is a stated provision to buy out owners Cash, stock or a combination of both. Buyer usually sells a portion of their free cash flow Cash, stock or a combination of both. Seller is usually held to provisions surrounding revenue and profitability Pros Continuity for clients and employees. Builds a sustainable business Provides a legacy for existing owners and confidence for employees and clients Provides continuity to clients and could increase enterprise value. Certainty of liquidity event for owners Provides liquidity event and tasks risk off the table. May provide operating leverage and higher valuation multiples Usually maximizes enterprise value as multiple suitors are sought. May create synergies with buyer Cons Finding the right individuals to take owner responsibility. Buyer may lack capital. Transaction may be below market rates Achieving alignment between owner, heir and partners. May limit other partners liquidity flexibility Time consuming integration between the firms. Challenge to find the right suitor. Client and employee risk Finding the right fit. May not value all the resources a firm can provide Could be highly disruptive to clients. Firm may lose brand and identity Client impact Low Low to Medium Medium Low High Employee impact Medium Low Medium to high Low to Medium High You have to narrow your options, perform due diligence on potential alternatives and select the right option for you and your firm. Succession planning and execution is critical; it can set the stage for growth and mitigate many risks. A wellcrafted succession plan can be used as a competitive advantage to attract new business, retain clients and increase employee engagement and retention. Control Your Future The choices available to you have progressed and become more sophisticated. We can work with you, and together we can explore your options. Succession planning is not an easy process, and requires significant time and preparation. There are many factors to consider, such as getting your documentation in order, receiving a business valuation, the transitioning of your clients and establishing buyer criteria. We can help you preserve what you ve worked so hard to build.

19 Ready to get started? Call Voya Financial Advisers at and we can help you preserve what you ve worked so hard to build. Or, visit us at and visit the Buy-Sell page for more information. About Voya Financial Advisors Voya Financial Advisors, part of the Voya TM family of companies, offers a comprehensive array of financial services and products to clients, including life insurance, retirement plans, mutual funds, managed accounts, alternative investments, institutional investment management, annuities, financial planning, and more. The Voya family of companies serves over 17 million customers across the nation. For more information, visit Protection you can trust When you work with Voya Financial Advisors and your financial advisor, you have the confidence of knowing that all brokerage execution and technical services are performed by an industry leader Pershing LLC, a subsidiary of The Bank of New York Mellon Corporation. Pershing LLC provides account protection for the total net equity of assets held in custody for your account. Voya Financial Advisors is a member of SIPC, which protects securities customers of its members up to $500,000 including $250,000 for claims for cash. Explanatory brochure available upon request or at Pershing LLC provides the remaining coverage (excess SIPC) through a commercial insurer. Account protection applies when an SIPC member firm fails financially and is unable to meet its obligations to its securities clients, but it does not protect against losses from the rise and fall in the market value of investments. 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 Securities and investment advisory services offered through Voya Financial Advisors, member SIPC I.R Voya Services Company. All rights reserved _12/2015 For broker/dealer use only. Not to be used with the public. Voya.com

20 Women Advisors Network Dedicated to helping women grow their business and expanding our community of female financial professionals. For broker-dealer use only. Not to be used with the public.

21 Voya Financial Advisors, Inc. is proud to be ranked by Investment News as one of the top five U.S. broker-dealers in terms of the number of female registered representatives. The Investment News Broker-Dealer Data Center, 2014 success

22 Women Advisors Network The Women Advisors Network is a community of female financial professionals seeking to build, grow and manage their practices on the independent platform offered by Voya Financial Advisors. This organization consists of female financial professionals, like you, who participate in numerous programs, from quarterly education calls with special guest speakers to annual meetings and regular member outreach. The Network provides support and resources to enhance your experience as an independent financial professional with Voya Financial Advisors, Inc. It s part of our dedication to diversity and attracting and retaining women of excellence, but also reflects our commitment to the industry and the particular insight female financial professionals bring to it. Connecting women in financial services Because many financial professionals work independently, the Women Advisors Network offers a sounding board for ideas and educational programs that can help expand your business. The Network delivers networking opportunities that give you actionable ideas you can implement immediately. You ll develop mentorships with other women who will share personal success strategies to help you grow and advance your business. Our Network seeks to optimize communication and opportunities for female representatives, while addressing the challenges and concerns unique to businesswomen. Voya has a long-standing commitment to the success of women in the financial planning industry validated by the strong business results I ve personally experienced. Lisa Leonard Voya financial advisor Overland Park, KS Women Advisors Network I 01

23 growth Our Network s benefits Grow your business Keep pace with the changing needs and demographics of your clients with our advicebased platform and retirement income training program offered by phone, Web and regional events. Research The latest industry research providing valuable insight on preparing for retirement and other financial situations important to women. Brand identity Leverage the Voya Financial Advisors brand identity in a variety of ways to promote your business, including stationery, office signs, promotional merchandise and trade show displays. You choose how much you want to align with the Voya brand. Customized print materials Create your own personalized marketing materials to help meet your prospecting and growth goals. 02 I Women Advisors Network

24 Cutting-edge technology Voya SmartWorks Organize, automate and synchronize your business processes and quickly manage your client data using a broad array of powerful financial technology applications on an integrated platform. emoney 360 Pro Provides you with the financial planning web technology to deliver exceptional service, attract top tier prospects and offer personalized financial planning services for increased fee revenue. Voya WealthSolutions Modern, seamless and flexible technology solutions for every stage of the wealth management lifecycle, including comprehensive research and program strategies. MoneyGuidePro This full-featured financial planning and asset allocation program lets you create holistic financial and retirement income plans. Build customized plans in less than 20 minutes, perform side-by-side portfolio comparisons, allocate client assets in less than 10 minutes and eliminate manual trial-anderror scenario testing. Educational programs and business development Social media Marketing your business through Facebook and LinkedIn is simple with Socialware, our social media middleware platform, which manages the compliance process for submitting and approving Facebook business profiles and LinkedIn profiles. You ll have access to a vast library of pre-approved content and the ability to create your own custom messages. Practice development Engage in practice development and educational events where you ll learn more about technology, time management techniques, staffing solutions, leveraging wholesalers and client management. Retirement Income Planning program Because we understand that women often want to work with female financial professionals, we offer a comprehensive program that will help you engage these clients in retirement income planning using focused materials supported by comprehensive training. Retirement Research Institute A valuable resource for in-depth studies on behavioral finance topics like decision-making trends and the growing financial power of women, plus tools and commentaries to help you better prepare your clients for a financially secure retirement. Women s Forum We invite you to attend our annual Women s Forum, a fun and educational event dedicated solely to issues important to female financial professionals where you ll have opportunities for networking, mentoring and business growth. Women Advisors Network I 03

25 Consider the possibilities What if you were part of a unique environment committed to the success of women in the financial services industry? Let s talk about being a part of a broker-dealer that recognizes and promotes the strengths of female financial professionals. To learn more about what the Women Advisors Network can offer you, please contact: Angela Kahrmann Head of Field & Phone Services and Women Advisors Network angela.kahrmann@voya.com Voya s support has done so much to accelerate the success and leadership of women in the financial industry. Marilyn Timbers Voya financial advisor Stamford, CT 04 I Women Advisors Network

26 Strength in numbers; empowerment in community.

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28 About Voya Financial Advisors Voya Financial Advisors, part of the Voya family of companies, offers a comprehensive array of financial services and products to clients, including life insurance, retirement plans, mutual funds, managed accounts, alternative investments, institutional investment management, annuities, financial planning, and more. The Voya family of companies serves over 17 million customers across the nation. For more information, visit Protection you can trust When you work with Voya Financial Advisors and your financial adviser, you have the confidence of knowing that all brokerage execution and technical services are performed by an industry leader Pershing LLC, a subsidiary of The Bank of New York Mellon Corporation. Pershing LLC provides account protection for the total net equity of assets held in custody for your account. Voya Financial Advisors is a member of SIPC, which protects securities customers of its members up to $500,000 including $250,000 for claims for cash. Explanatory brochure available upon request or at www. sipc.org. Pershing LLC provides the remaining coverage (excess SIPC) through a commercial insurer. Account protection applies when an SIPC member firm fails financially and is unable to meet its obligations to its securities clients, but it does not protect against losses from the rise and fall in the market value of investments. Call now for a complimentary broker-dealer comparison: I.R Voya Services Company. All rights reserved. CN# For broker/dealer use only. Not to be used with the public. Voya.com