About USAA

Retirement Income Advisor FAQs

Can a financial advisor build a career at USAA without a military background?

Yes. USAA is hiring a Licensed Retirement Income Advisor in Plano, Texas — a consultative
sales-and-planning role for advisors who hold, or can earn, FINRA Series 7, Series 66, and a
Group 1 Life license. You do not need to have served: 75% of USAA employees come from
non-military backgrounds. Advisors guide members toward retirement security using
USAA's three-part approach — protected income, an investment portfolio, and protection
against risk. The role pays $67,520–$121,530, includes a $2,500 sign-on bonus, a pension,
and a 401(k), and is based on-site in Plano with a path to a hybrid schedule after six months

What is the Licensed Retirement Income Advisor role?

It's a consultative planning and sales role inside USAA's Life Company. Advisors receive
requests for advice from current and prospective members — through inbound and outbound
calls — then uncover each member's retirement events, assess their situation and goals, and
build a tailored retirement income strategy. The work blends genuine financial planning (tax
efficient distribution, health-expense budgeting, insurance and long-term-care solutions, estate
considerations) with the persuasion and follow-through of a sales professional who helps
members act on a recommendation.

• Location: Plano, TX. Also San Antonio, PHX, and Tampa
• Schedule: On-site 5 days/week. Hybrid option after a successful 6 months
• Compensation: $67,520 - $121,530 plus eligible pay incentives
• Sign-on bonus: $2,500 lump sum after 45 days
• Licenses: Series 7 + 66 (or 63 & 65) and Group 1 Life
• Experience: 1+ year financial industry and/or sales

What would you actually do day to day?

You'd apply USAA's documented approach to retirement: a balanced strategy across income
planning, growth, and protection designed to manage the most common risks to a member's
retirement. Every conversation maps to three pillars.

Pillar one: Protected Income: Create enough guaranteed income in retirement to cover a member's essential expenses - where annuities and related solutions earn their place in the plan.

Pillar two: Investment Portfolio: Grow assets to provide for future needs, drawing on investment solutions offered through USAA's strategic provider, Schwab.

Pillar three: Protection: Protect the plan against the most common risks - integrating risk-management tools, insurance, and long-term-care strategies into a single, coherent recommendation.

• Discover retirement events and goals through member conversations.
• Motivate members to act, overcoming objections with advanced sales technique.
• Refer needs outside your license to the right specialist.
• Recommend tax-efficient distribution options and enhanced solutions like long-term care products.
• Monitor legislative and economic shifts that affect retirement plans.
• Mentor less-experienced teammates on escalated, routine issues.

Do you need a military background to work here?

No — and it's a misconception USAA actively works to dispel. While USAA serves the military
community and their families, military experience is by no means a requirement to work there.
In fact, 75% of employees come from non-military backgrounds. USAA deliberately hires from
a wide spectrum of backgrounds, not only those who served — because when you share its
commitment to the mission, it doesn't matter where your career began.
For a licensed advisor coming from a wirehouse, broker-dealer, bank, or insurance carrier, that means
the path in runs through your credentials and your drive to serve — not your service record.

What licenses and experience do you need?

USAA looks for licensed financial professionals who can plan and sell with equal confidence.
Some requirements can be earned shortly after hire; others set strong candidates apart.

Note: USAA does not provide visa sponsorship for this role, and relocation assistance is not available.

What does USAA pay - and what's the total package?

Beyond a salary range of $67,520–$121,530 and a $2,500 sign-on bonus, USAA describes its
benefits as best-in-class — built to support employees' physical, financial, and emotional
wellness. What the posting names:

• Pension: A company-funded pension - increasingly rare among employers.
• 401(k): Plus life insurance to protect what you're building.
• Medical-Dental-Vision: Comprehensive plans, plus various wellness programs.
• PTO+ paid holidays: A paid-time off program, plus 16 paid volunteer hours.
• Family benefits: Parental benefits and adoption assistance.
• Career growth: Career-path planning and continuing education.

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Why do professionals choose USAA?

Because the mission is real and the recognition is independent. USAA's purpose — empowering
members to achieve financial security through competitive products, exceptional service, and
trusted advice — has earned it a place among the most admired and best-regarded employers
in the country.

• Fortune World's Most-Admired Companies (2026): Recognized for its commitment to the military community and for delivering exceptional value to members.
• Great Place to Work Certified (2026): 82% of employees say USAA is a great place to work, versus a 57% benchmark at a typical U.S. company.
• Where You Work Matters - Platinum (2026): A data-driven honor based on career advancement, wage growth, and retention across 12M+ U.S. workers.
• Military Friendly Top 10 & VETS Indexes 5-Star (2026): Gold-level recognition as a top employer for veterans and military spouses.

Licensed Retirement Income Advisor - frequently asked questions

Do you need a military background to work at USAA?

No. Military experience is by no means a requirement to work at USAA — about 75% of employees
come from non-military backgrounds. USAA deliberately hires from a wide spectrum of
backgrounds; what matters is sharing its commitment to the mission, not where your career began.

What does a Licensed Retirement Income Advisor do at USAA?

The advisor assesses members' retirement income needs and delivers tailored recommendations
— covering tax-efficient distribution, health-expense budgets, insurance and long-term-care
solutions, and estate considerations — then helps members act on the plan. It's a consultative role
that combines retirement planning with a sales-driven, member-first approach.

Where is the role located, and is it remote?

The role is based in Plano, TX. It requires being in the office five days per week, with the option to
move to a hybrid schedule after a successful six months. Relocation assistance is not available for
this position.

What licenses are required?

Candidates need an active Group 1 Life license (or the ability to acquire it within 90 days), a
maintained FINRA Series 7, and a maintained FINRA Series 66 (or both Series 63 and 65), along
with the ability to be licensed in all required states.

How much does the role pay?

The salary range is $67,520–$121,530, with the actual figure based on experience and market
data. New hires are offered a $2,500 sign-on bonus, paid as a lump sum after 45 days of
employment, and employees may be eligible for pay incentives based on corporate and individual
performance.

What benefits does USAA offer?

The posting names a pension, a 401(k), comprehensive medical, dental, and vision plans, life
insurance, parental benefits, adoption assistance, a paid-time-off program with paid holidays plus
16 paid volunteer hours, various wellness programs, and career-path planning with continuing
education.

What experience helps a candidate stand out?

The posting calls out direct annuity sales experience (2+ years), inbound/outbound call-center
experience, and a Retirement Income Certified Professional (RICP) designation. U.S. military
experience — including as a military spouse or domestic partner — is also a differentiator.

Does USAA sponsor work visas for this role?

No. USAA does not provide visa sponsorship for this role, and relocation assistance is not available
for this position.

How can I stay informed about USAA openings?

Join the USAA talent community to receive new openings by email, selected by job category and
preferred location across USAA's campuses, including Plano, San Antonio, Phoenix, and Tampa.