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Advice and Planning Services

Central to our commitment to you is to help you plan effectively for retirement with skilled TIAA-CREF Consultants. Additionally, we are expanding our services by offering personalized advice on the investment choices on our platform, including those from other companies.

Highlights include:

  • Personalized Portfolio Recommendations, proposing specific mutual funds and annuity accounts considering every retirement plan option on TIAA-CREF's recordkeeping systems.
  • Guidance on Past Plans, suggesting portfolios of broad asset classes on any assets in previous employers' retirement plans on TIAA-CREF's recordkeeping systems.
  • A Retirement Strategy Review that can take into account the full range of your retirement assets and present models that assess the likelihood of reaching income goals. The financial and economic assumptions underlying the projections are based on historical rates of return that may not reoccur, as well as volatility measures and other factors.

The advice is provided in one-on-one sessions, in person or on the phone, to ensure the highest level of service and immediate attention to your needs.

The portfolio recommendations, projections and other information we provide you are generated by an analytic tool from Ibbotson Associates, a company noted for its integrity and the soundness of its methodology. First, the tool estimates your chances of achieving your retirement income goal. If changes are warranted, the tool will recommend an increased savings rate; a revised retirement plan investment portfolio based on your age, retirement plan savings rate, current investment selections and outside investments; or both. Investment recommendations start by defining an appropriate mix of asset classes. Projections of potential returns for each asset class reflect aspects of historical performance, including a real risk-free rate, an estimate of future inflation and a "risk premium" (the additional potential return from taking on additional risk). From there, the tool then recommends specific funds available to you through your plan.

As with any projection, the outcomes shown are hypothetical, do not reflect actual investment returns and do not guarantee future results. Recommendations for younger clients with a longer savings time horizons generally have higher amounts of portfolio risk. The results may vary with each use over time.

Next Steps
Call TIAA-CREF AT 800 842-2776 to schedule an appointment.
After the session you'll receive a detailed report showing the key information driving your results, the investment and savings strategies Ibbotson recommends, and actions you can take that could help keep your retirement on track. While the advice can take all of your retirement assets into account, the service only provides specific portfolio recommendations on assets within TIAA-CREF's recordkeeping systems.

Advice and Planning Services offers retirement planning services and is a Registered Investment Advisor and a division of TIAA-CREF Individual & Institutional Services, LLC, a registered broker/dealer, member NASD/SIPC.


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TIAA-CREF Individual & Institutional Services, LLC and Teachers Personal Investors Services Inc. distribute securities products.
TIAA (Teachers Insurance and Annuity Association), New York, NY issues annuities.
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