Get help achieving your financial goals.

Size: px
Start display at page:

Download "Get help achieving your financial goals."

Transcription

1 Get help achieving your financial goals.

2 TIAA-CREF: Committed to your overall financial well-being Did you know? TIAA was founded in 1918 to provide retirement security to university faculty. TIAA-CREF is a Fortune 100 financial services company and is the leader in the combined public and private K-12 retirement market. 1 We provide a full range of financial services nationwide to 4.1 million individuals in the academic, medical, governmental, research and cultural fields. Financial services include retirement plans, IRAs, mutual funds, annuities, brokerage services, life insurance and 529 college savings plan management. At no additional cost to you, our experienced financial consultants can work with you to understand your particular goals and risk tolerance and balance multiple goals over time. Take the next step Speak with one of our financial consultants: W By phone: Call , Monday to Friday from 8 a.m. to 10 p.m. and Saturday from 9 a.m. to 6 p.m. (ET). W In person: Visit to set up a meeting at one of our offices nationwide. Or, visit tiaa-cref.org to use our planning tools. Our financial consultants can help you reach your goals: W Save for retirement at work and on your own (page 4) W Find the right way for you to pay for college (page 5) W Save for major purchases and objectives (page 6) W Insure and safeguard your loved ones against the unexpected (page 7) W Manage your retirement income and expenses (page 8) W Build your legacy with a well-thought-out estate plan (page 9) 1 Source: LIMRA Secure Retirement Institute, Not-for-Profit Market Survey, third-quarter 2014 results. Based on a survey of 16 companies; TIAA-CREF assets by market segment estimated. Market share ranking does not reflect current investment performance. Get started. Call or visit 1

3 Save for major purchases, objectives Brokerage Services Mutual Funds Managed Accounts* Help insure and safeguard your loved ones Term Life Insurance Permanent Life Insurance Universal Life Variable Universal Life Survivorship Life A quick review: As a leading provider of a full range of financial services, TIAA-CREF can help you achieve your financial goals. Save for retirement Your Employer s Retirement Plan (Workplace and Supplemental Plans) IRAs (Traditional, Roth, SEP and SIMPLE) After-Tax Annuities Brokerage Services Mutual Funds Managed Accounts* Retirement Account Consolidation Manage retirement income, expenses Flexible Income Options IRA Rollover Services After-Tax Annuities Build your legacy Trust Services* Life Insurance The products and services referenced above are offered by various entities within the TIAA-CREF group of companies. * Subject to account minimums Save for education 529 College Savings Plans Coverdell Education Savings Account Specialized Custodial Accounts (UGMA, UTMA) 2 Get started. Call or visit Get started. Call or visit 3

4 Save for retirement at work and on your own. One of our experienced financial consultants can help determine if you need to supplement employer contributions to your workplace retirement plan, including: At work Making automatic contributions from your paycheck to your employer s retirement plan or a supplemental retirement plan. Contributing, if eligible, to a Retirement Healthcare Plan to help cover healthcare expenses in retirement. Beyond work Capitalizing on tax-advantaged Traditional IRAs, Roth IRAs and after-tax annuities, along with TIAA-CREF SEP and SIMPLE IRAs for selfemployment income. Investing after-tax savings via TIAA-CREF Brokerage Services, which offers you access to mutual funds, individual stocks, ETFs and more all within a single account. 1 Or work with a dedicated advisor to see if one of our managed account programs is right for you.* It s easy to get started Contact us for a one-on-one consultation. Call , Monday to Friday from 8 a.m. to 10 p.m. and Saturday from 9 a.m. to 6 p.m. (ET). Or, visit to set up a meeting at one of our offices nationwide. Find the right way to pay for college. Discuss with one of our financial consultants which investment choices make sense for you, including: Investing in a 529 college savings plan, where any earnings can grow tax deferred at both a federal and state level. Withdrawals are tax free if used for qualified higher education expenses. To learn more, visit educationsavings. 2 Setting money aside on a tax-deferred basis for K 12 and college with a Coverdell Education Savings Account. Opening a mutual fund account in your child s name through a custodial account, also known as Uniform Transfer to Minors Act (UTMA) or Uniform Gift to Minors Act (UGMA). Investing after-tax savings in mutual funds or a TIAA-CREF Brokerage Services account, 1 which offers access to a broad array of investment options. 1 Brokerage fees may apply. * Subject to account minimums 2 For withdrawals not used to pay for qualified state and federal higher education expenses, earnings are subject to income taxes at the account owner s rate plus a 10% federal tax penalty. Please consult your tax advisor with any questions. TIAA-CREF Tuition Financing, Inc., Program Manager. 4 Get started. Call or visit Get started. Call or visit 5

5 Insure and safeguard your loved ones. You can work with with a financial consultant and insurance representative to come up with a plan tailored to help protect your loved ones.* That plan can include: Save for major purchases and objectives. In addition to retirement planning, one of our experienced financial consultants can help you prioritize your other financial goals, estimate how much each goal is likely to cost, and fit each one into your short-, medium- or long-term investment plans. We can help match your time frame to the right investments. TIAA-CREF offers a full range of low-cost* mutual funds, and fixed and variable annuities and access to a wide range of investments through a retail Brokerage Services account. Also available to you are our Managed Account programs, where our professionals tailor your portfolio based on your personal needs and goals. Take action today. A TIAA-CREF financial consultant can help you define goals, discuss the suitability of products to address your financial needs, and make informed decisions. * Applies to mutual fund and variable annuity expense ratios. Source: Morningstar Direct, September 30, The expense ratio on all mutual fund products and variable annuity accounts managed by TIAA-CREF is generally less than half the mutual fund industry average. 69% are less than half their respective Morningstar Universe average and 58% are less than half their respective Morningstar Universe median. Our mutual fund and variable annuity products are subject to various fees and expenses, including but not limited to management, administrative and distribution fees; our variable annuity products have an additional mortality and expense risk charge. 6 Get started. Call or visit Helping you make sure you have enough life insurance Term life insurance provides coverage for a specific period of time. For the lowest initial cost, consider annual renewable term life. For premiums that are guaranteed not to increase for a set period of time, consider level term life. Considering life insurance that also helps you save Permanent life insurance provides a death benefit as well as the potential to build cash value on a tax-deferred basis.** TIAA-CREF offers a selection of permanent life policies to help meet different kinds of needs. Need help? Contact us for help applying for a life insurance policy, or opening a mutual fund or Brokerage Services account with TIAA-CREF. Exclusions, restrictions, limitations, and reductions in benefits will, in certain situations, apply to your life insurance policy. Annuity contracts contain terms for keeping them in force and may have surrender charges. For full details, including costs, call us. * All solicitations pertaining to a contract for insurance may only be handled by an agent or broker licensed to engage in the business of insurance in the state in which you reside. ** Withdrawals and distributions of taxable amounts are subject to ordinary income tax and, if made prior to age 59 ½, may be subject to an additional 10% federal income tax penalty. Get started. Call or visit 7

6 Manage your retirement income and expenses. If you re thinking seriously about retiring or changing to part-time work over the next 5 to 10 years or even sooner, our financial consultants can help you figure out how much income you ll need and how to help provide it through your different sources of income. Choose the best way to receive income. TIAA-CREF offers a wide array of income options, and we can help you build flexibility into your withdrawal plan that will allow you to adjust your income as circumstances change while maintaining a diversified portfolio. Keep in mind TIAA-CREF s low-cost annuities that enable you to create an income stream of lifetime payments.* Manage your spending and investments. To keep track of spending and investments, look into a cash management account through TIAA-CREF Brokerage Services. Features may include unlimited check writing, a consolidated statement, a MasterCard debit card, expense tracking and investment cost-basis tracking. Take the next step. Contact us to help you set up a retirement income annuity, IRA rollover,** cash management or trust account with TIAA-CREF. Build your legacy with a well-thought-out estate plan. If you ve accumulated assets and want to pass them on to your children or grandchildren, charitable organizations or other beneficiaries, you ll need an estate plan. Depending on your financial situation, we can help support that plan in one or more of the following ways: Coordinate distribution of assets Minimize taxes and expenses Work with your attorney on administering any trusts Analyze the role of life insurance in paying for any estate taxes * Based on the claims-paying ability of TIAA. ** Prior to consolidating assets, you should carefully consider your other available options. You may also be able to leave money in your current plan, roll over money to an IRA, or cash out all or part of the account value. You should weigh each option carefully and its advantages and disadvantages, including desired investment options and services, fees and expenses, withdrawal options, required minimum distributions, tax treatment, and your unique financial needs and retirement plan. You should seek the guidance of your financial professional and tax advisor prior to consolidating assets. 8 Get started. Call or visit To learn more Call today and ask for help setting up a trust, estate plan or life insurance policy with TIAA-CREF. TIAA-CREF does not provide tax or legal advice. You should seek advice about your particular circumstances from your personal tax or legal advisor. Get started. Call or visit 9

7 Our consultative approach TIAA-CREF takes a disciplined, five-step consultative approach to creating your investing strategy. Five steps to help you reach your goals 3 The TIAA-CREF difference At TIAA-CREF, we always stay focused on your financial needs. Our commitment to your overall financial well-being includes: Our consultative approach. Our experienced financial consultants can help you develop and implement a personalized investment strategy. Low costs. 1 We keep operating costs low on mutual fund products and variable annuity accounts managed by TIAA-CREF, charging generally less than half the industry average, as measured by Morningstar Direct. A wide array of investments with attractive historical track records. 2 Among them, TIAA-CREF variable annuity accounts and mutual funds. A commitment to striving for growth over the long term. At TIAA-CREF, we don t play to the whims of the market. Instead, we think long term and are committed to helping you meet your goals. Leadership you can count on since TIAA-CREF has been a leader in corporate governance for many years long before these issues moved into the mainstream. TIAA-CREF can help you look at your total financial picture, including offering advice on specific asset allocations of mutual funds and annuities in your employer sponsored retirement plan. 3 We can also help you figure out how much you should be saving for retirement, relative to your age and projected retirement date. TIAA-CREF also offers Managed Accounts programs 4 for our participants looking for professional management driven by their investment objectives and goals. Our investment professionals take a disciplined and personalized approach to managing your portfolios. 1 Applies to mutual fund and variable annuity expense ratios. Source: Morningstar Direct, September 30, The expense ratio on all mutual fund products and variable annuity accounts managed by TIAA-CREF is generally less than half the mutual fund industry average. 69% are less than half their respective Morningstar Universe average and 58% are less than half their respective Morningstar Universe median. Our mutual fund and variable annuity products are subject to various fees and expenses, including but not limited to management, administrative and distribution fees; our variable annuity products have an additional mortality and expense risk charge. 2 Past performance does not guarantee future results. 3 Provided by Ibbotson Associates, a wholly owned subsidiary of Morningstar Inc., and independent third-party asset allocation provider, on your retirement plan assets. 4 Subject to account minimums. 10 Get started. Call or visit Get started. Call or visit 11

8 Take the next step. Our experienced financial consultants can work with you to help achieve your financial goals. By phone Call us at to speak with one of our experienced financial consultants. They are available Monday to Friday from 8 a.m. to 10 p.m. and Saturday from 9 a.m. to 6 p.m. (ET). Online Visit us at tiaa-cref.org to explore the many ways that we can serve your financial needs. To send an message to us, just click Contact Us at the top of the home page. In person With more than 100 offices throughout the United States, you ll get the personal service you seek from an experienced TIAA-CREF Financial Consultant. Visit for more information. 12 Get started. Call or visit Get started. Call or visit 13

9 You can interact with TIAA-CREF through social media: myretirement.org The tax information contained herein is not intended to be used, and cannot be used, by any taxpayer for the purpose of avoiding tax penalties. Taxpayers should seek advice from an independent tax advisor based on their own particular circumstances. Investment, insurance and annuity products are not FDIC insured, are not bank guaranteed, are not deposits, are not insured by any federal government agency, are not a condition to any banking service or activity, and may lose value. Regarding mutual funds and variable products, consider the investment objectives, risks, charges and expenses carefully before investing. Please call for product and fund prospectuses that contain this and other information. Please read the prospectuses carefully before investing. Consider the investment objectives, risks, charges and expenses before investing in any of the TIAA-CREF Tuition Financing, Inc. managed 529 College Savings Plans. Please call for a Disclosure Booklet containing this and other information. Read it carefully. Before investing in a 529 plan, you should consider whether the state you or your designated beneficiary reside in or have taxable income in has a 529 plan that offers favorable state income tax or other benefits that are only available if you invest in that state s 529 plan. Account value in the Investment Options of 529 plans is not guaranteed and will fluctuate based upon a number of factors, including general market conditions. TIAA-CREF products may be subject to market and other risk factors. See the applicable product literature, or visit tiaa-cref.org. TIAA-CREF Individual & Institutional Services, LLC, Teachers Personal Investors Services, Inc., and Nuveen Securities, members FINRA and SIPC, distribute securities products. Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY. Insurance products and after-tax annuities are issued by TIAA-CREF Life Insurance Co., New York, NY. TIAA-CREF Trust Company, FSB provides trust services. Brokerage services are offered through TIAA-CREF Brokerage Services, which is a division of TIAA-CREF Individual & Institutional Services, LLC, member FINRA/SIPC. Advisory services are provided by Advice & Planning Services, a division of TIAA-CREF Individual & Institutional Services, LLC, a registered investment adviser. Each of the foregoing is solely responsible for its own financial condition and contractual obligations Teachers Insurance and Annuity Association of America-College Retirement Equities Fund (TIAA-CREF), 730 Third Avenue, New York, NY C A11455 (12/14)

Transfer Payout Annuities

Transfer Payout Annuities Transfer Payout Annuities Transfers and Withdrawals from TIAA Traditional tiaa-cref.org The TIAA Traditional Annuity In this guide, you ll learn about our Transfer Payout Annuity (TPA), a transfer and

More information

Strategies for staying on track. throughout your retirement

Strategies for staying on track. throughout your retirement Strategies for staying on track throughout your retirement TIAA-CREF and you: Planning an income for life For nearly a century, we at TIAA-CREF have dedicated ourselves to helping those who serve others

More information

Minimum distribution. Making it simple

Minimum distribution. Making it simple Minimum distribution Making it simple Required minimum distributions What you need to know What are required minimum distributions?... 03 TIAA-CREF s Minimum Distribution Option (MDO)... 04 Is the Minimum

More information

The Roth contribution option

The Roth contribution option The Roth contribution option For retirement plans Contents The Roth contribution option savings choice 2 Learn about the differences between pretax and after-tax contributions Comparing Roth after-tax

More information

TRANSFER PAYOUT ANNUITIES

TRANSFER PAYOUT ANNUITIES SAVING FOR RETIREMENT TRANSFER PAYOUT ANNUITIES TRANSFERS AND WITHDRAWALS FROM TIAA TRADITIONAL TIAA-CREF: FINANCIAL SERVICES FOR THE GREATER GOOD TIAA-CREF is dedicated to serving the retirement needs

More information

Transfers and Withdrawals from the Tiaa Traditional annuity

Transfers and Withdrawals from the Tiaa Traditional annuity Transfers and Withdrawals from the Tiaa Traditional annuity Tiaa s Transfer Payout annuity This guide has information about moving funds out of the Tiaa Traditional annuity using the Transfer Payout annuity

More information

LIVING WELL IN RETIREMENT. Minimum Distribution: Making it simple

LIVING WELL IN RETIREMENT. Minimum Distribution: Making it simple LIVING WELL IN RETIREMENT Minimum Distribution: Making it simple TIAA-CREF: FINANCIAL SERVICES FOR THE GREATER GOOD. TIAA-CREF is dedicated to serving the retirement needs of those in the academic, medical,

More information

1 2 3 4 5 Stick to investment objectives

1 2 3 4 5 Stick to investment objectives Why choose TIAA-CREF? Investing for retirement requires a lot of thought. TIAA-CREF has spent nearly 100 years thinking about it for you. Investing to achieve your personal financial goals can often present

More information

Your Guide to 403(b) Tax-Deferred Annuity Voluntary Savings Plans

Your Guide to 403(b) Tax-Deferred Annuity Voluntary Savings Plans Your Guide to 403(b) Tax-Deferred Annuity Voluntary Savings Plans How much can you contribute in 2015? Tax-Deferred Annuity Plans ( TDA Plans ) are voluntary savings plans that help you build the extra

More information

Tax-smart ways to save and invest. TIAA-CREF Financial Essentials

Tax-smart ways to save and invest. TIAA-CREF Financial Essentials Tax-smart ways to save and invest TIAA-CREF Financial Essentials Today s agenda: 1. Finding funds for saving 2. Tax law provisions promoting saving 3. TIAA-CREF savings opportunities 4. TIAA-CREF can help

More information

Taking the next step. A guide for beneficiaries

Taking the next step. A guide for beneficiaries Taking the next step A guide for beneficiaries TIAA-CREF listening, caring, ready to serve At TIAA-CREF, we ve been helping people build their financial futures for nearly a century. We started out offering

More information

Power. Simplicity. Value.

Power. Simplicity. Value. Power. Simplicity. Value. TIAA-CREF Brokerage Services: The freedom to build, control and adjust your portfolio of investments according to your goals. We have a 95-year legacy of trust. TIAA-CREF Brokerage

More information

SAVING FOR RETIREMENT. The ROTH

SAVING FOR RETIREMENT. The ROTH SAVING FOR RETIREMENT The ROTH CONTRIBUTION Option ABOUT TIAA-CREF TIAA-CREF is dedicated to serving the retirement needs of those in the academic, medical, cultural and research fields. We are committed

More information

Money At Work 1: Foundations of investing

Money At Work 1: Foundations of investing It s not about how much money you earn. It s about how much you save and invest. November 12, 2015 A TIAA-CREF Financial Essentials Workshop Bill Thorne TIAA-CREF Money At Work 1: Foundations of investing

More information

Welcome! Thanks for investing your time today.

Welcome! Thanks for investing your time today. Welcome! Thanks for investing your time today. Please sign in Fill out your name tag Address your mail card It s not about how much money you earn. It s about how much you save and invest. October 2015

More information

Strategies for staying on track to your retirement

Strategies for staying on track to your retirement Strategies for staying on track to your retirement TIAA-CREF and you: Planning an income for life For more than 90 years, we at TIAA-CREF have dedicated ourselves to helping those who serve the greater

More information

TIAA Individual Advisory Services. Personalized financial advice for every stage of life

TIAA Individual Advisory Services. Personalized financial advice for every stage of life TIAA Individual Advisory Services Personalized financial advice for every stage of life Personalized solutions for your financial independence Find an advisor today. Go to tiaa.org/ individualadvisoryservices

More information

Innovative, flexible, low-cost retirement solution

Innovative, flexible, low-cost retirement solution TIAA-CREF Life Insurance Company Innovative, flexible, low-cost retirement solution The Intelligent Variable Annuity How do you define retirement? Some people dream of traveling. Others can t wait to roll

More information

Guide to online withdrawals

Guide to online withdrawals Streamlined withdrawal processing The online withdrawal process on the secure My TIAA-CREF website has the same easy-to-use navigation and functionality as other websites that you visit regularly to shop,

More information

Your Retirement Income Options. TIAA-CREF Financial Essentials

Your Retirement Income Options. TIAA-CREF Financial Essentials Your Retirement Income Options TIAA-CREF Financial Essentials Today we will discuss: 1. Determining your retirement income needs Income sources Covering your expenses 2. Threats to your retirement cash

More information

Table of contents. 2 Federal income tax rates. 12 Required minimum distributions. 4 Child credits. 13 Roths. 5 Taxes: estates, gifts, Social Security

Table of contents. 2 Federal income tax rates. 12 Required minimum distributions. 4 Child credits. 13 Roths. 5 Taxes: estates, gifts, Social Security 2015 Tax Guide Table of contents 2 Federal income tax rates 4 Child credits 5 Taxes: estates, gifts, Social Security 6 Rules on retirement plans 8 Saver s credit 12 Required minimum distributions 13 Roths

More information

Self-Directed Brokerage Account Services

Self-Directed Brokerage Account Services Self-Directed Brokerage Account Services Through Your Tiaa-Cref Ira Power up your TIAA-CREF IRA with more. A no-fee TIAA-CREF IRA 1 is a great way to help build financial security for your retirement.

More information

SYSTEMATIC WITHDRAWALS AND TRANSFERS FROM TIAA TRADITIONAL

SYSTEMATIC WITHDRAWALS AND TRANSFERS FROM TIAA TRADITIONAL SYSTEMATIC WITHDRAWALS AND TRANSFERS FROM TIAA TRADITIONAL THE TIAA TRADITIONAL ANNUITY The TIAA Traditional Annuity is a guaranteed annuity backed by TIAA s claims-paying ability. In the accumulation

More information

PLACEHOLDER IMAGE Replace with Photography. Your guide to Tax-Deferred Annuities or Voluntary Savings Plans. How much can you contribute?

PLACEHOLDER IMAGE Replace with Photography. Your guide to Tax-Deferred Annuities or Voluntary Savings Plans. How much can you contribute? PLACEHOLDER IMAGE Replace with Photography Your guide to Tax-Deferred Annuities or Voluntary Savings Plans How much can you contribute? Saving for retirement is one of your most important financial goals.

More information

ROTH 403(b) CONTRIBUTIONS

ROTH 403(b) CONTRIBUTIONS SAVING FOR RETIREMENT ROTH 403(b) CONTRIBUTIONS A NEW WAY TO SAVE FOR RETIREMENT TIAA-CREF: FINANCIAL SERVICES FOR THE GREATER GOOD TIAA-CREF is dedicated to serving the retirement needs of those in the

More information

TIAA-CREF Life Insurance Company. TIAA-CREF Investment Horizon Annuity. Save tax deferred with guaranteed rates

TIAA-CREF Life Insurance Company. TIAA-CREF Investment Horizon Annuity. Save tax deferred with guaranteed rates TIAA-CREF Life Insurance Company TIAA-CREF Investment Horizon Annuity Save tax deferred with guaranteed rates TIAA-CREF: Financial services Almost 100 years ago, Teachers Insurance and Annuity Association

More information

A guide to payment options for employees of tax-exempt institutions. 457(b) Deferred Compensation Plan. Income choices from TIAA-CREF

A guide to payment options for employees of tax-exempt institutions. 457(b) Deferred Compensation Plan. Income choices from TIAA-CREF A guide to payment options for employees of tax-exempt institutions 457(b) Deferred Compensation Plan Income choices from TIAA-CREF TIAA-CREF: leaders in retirement planning After you stop working for

More information

Executive Compensation Strategies. For Academic, Medical, Research and Cultural Institutions

Executive Compensation Strategies. For Academic, Medical, Research and Cultural Institutions Executive Compensation Strategies For Academic, Medical, Research and Cultural Institutions For institutional investor use only. Not for use with or distribution to the public. TIAA-CREF: A leading provider

More information

TIAA-CREF Life Insurance Company. Single Premium Immediate Annuities. Step closer to meeting your lifetime income needs.

TIAA-CREF Life Insurance Company. Single Premium Immediate Annuities. Step closer to meeting your lifetime income needs. TIAA-CREF Life Insurance Company Single Premium Immediate Annuities Step closer to meeting your lifetime income needs. Securing a lifetime of retirement income TIAA-CREF: Financial services More than 90

More information

LIVING WELL IN RETIREMENT. Minimum Distribution: Making it simple

LIVING WELL IN RETIREMENT. Minimum Distribution: Making it simple LIVING WELL IN RETIREMENT Minimum Distribution: Making it simple TIAA-CREF: FINANCIAL SERVICES FOR THE GREATER GOOD. TIAA-CREF is dedicated to serving the retirement needs of those in the academic, medical,

More information

THE UNIVERSITY SYSTEM OF MARYLAND MAKING RETIREMENT PROGRAM ENROLLMENT EASY FOR YOU

THE UNIVERSITY SYSTEM OF MARYLAND MAKING RETIREMENT PROGRAM ENROLLMENT EASY FOR YOU THE UNIVERSITY SYSTEM OF MARYLAND MAKING RETIREMENT PROGRAM ENROLLMENT EASY FOR YOU WHAT MAKES TIAA-CREF DIFFERENT It is in our interest to serve your interests at TIAA-CREF; you re more than just a client

More information

REVIEWING YOUR TIAA-CREF INCOME CHOICES A GUIDE TO YOUR PAYMENT OPTIONS

REVIEWING YOUR TIAA-CREF INCOME CHOICES A GUIDE TO YOUR PAYMENT OPTIONS REVIEWING YOUR TIAA-CREF INCOME CHOICES A GUIDE TO YOUR PAYMENT OPTIONS FLEXIBILITY & CHOICE TIAA-CREF UNDERSTANDS YOUR FINANCIAL PRIORITIES can change over time, which is why we offer you a wide range

More information

INVESTING FOR LIFE S GOALS

INVESTING FOR LIFE S GOALS TIAA-CREF LIFE GOALS SERIES INVESTING FOR LIFE S GOALS SAVING FOR MAJOR PURCHASES AND OBJECTIVES TIAA-CREF: FINANCIAL SERVICES FOR THE GREATER GOOD OUR COMMITMENT TIAA-CREF is dedicated to serving the

More information

How to make changes to your annuity income

How to make changes to your annuity income How to make changes to your annuity income What s inside 2 Your annuity income 4 TIAA Traditional annuity income 6 TIAA and CREF variable annuity income 9 Ways to adjust your annuity income 9 Transfer

More information

DO MORE FOR YOUR DAY ONE OF RETIREMENT AND BEYOND SUCCEED. The Prudential SmartSolution IRA

DO MORE FOR YOUR DAY ONE OF RETIREMENT AND BEYOND SUCCEED. The Prudential SmartSolution IRA SUCCEED SUNRISE PHOTOS TAKEN BY REAL PEOPLE OF THEIR ACTUAL DAY ONES OF RETIREMENT. WHAT WILL YOURS LOOK LIKE? The Prudential SmartSolution IRA DO MORE FOR YOUR DAY ONE OF RETIREMENT AND BEYOND An easy

More information

Your fiscal fitness review. Financial wellness tips, tools and checklists from TIAA-CREF

Your fiscal fitness review. Financial wellness tips, tools and checklists from TIAA-CREF Your fiscal fitness review Financial wellness tips, tools and checklists from TIAA-CREF Keeping fiscally fit is more important than ever before No matter where you are in your life and career, chances

More information

TIAA-CREF LIFE GOALS SERIES SAVING FOR EDUCATION FINDING THE RIGHT WAY TO PAY FOR COLLEGE

TIAA-CREF LIFE GOALS SERIES SAVING FOR EDUCATION FINDING THE RIGHT WAY TO PAY FOR COLLEGE TIAA-CREF LIFE GOALS SERIES SAVING FOR EDUCATION FINDING THE RIGHT WAY TO PAY FOR COLLEGE TIAA-CREF: FINANCIAL SERVICES FOR THE GREATER GOOD OUR HISTORY For more than 90 years, TIAA-CREF has been dedicated

More information

Great-West Lifetime. Not a Deposit Not FDIC Insured Not Guaranteed by Any Bank Not Insured by Any Federal Government Agency Funds May Lose Value

Great-West Lifetime. Not a Deposit Not FDIC Insured Not Guaranteed by Any Bank Not Insured by Any Federal Government Agency Funds May Lose Value Great-West Lifetime Advantage IRA Solution Not a Deposit Not FDIC Insured Not Guaranteed by Any Bank Not Insured by Any Federal Government Agency Funds May Lose Value Great-West Lifetime Advantage IRA

More information

TIAA-CREF RETIREMENT CHOICE ANNUITIES PRODUCT COMPARISON

TIAA-CREF RETIREMENT CHOICE ANNUITIES PRODUCT COMPARISON TIAA-CREF RETIREMENT CHOICE ANNUITIES PRODUCT COMPARISON To help you effectively manage your retirement plan in today s increasingly complex regulatory and compliance environment, TIAA-CREF offers the

More information

Single Premium Immediate Annuities

Single Premium Immediate Annuities TIAA-CREF Life Insurance Company Single Premium Immediate Annuities Step closer to meeting your lifetime income needs Securing a lifetime of retirement income TIAA: Financial services Nearly 100 years

More information

Which retirement plan is right for you

Which retirement plan is right for you Which retirement plan is right for you Facts to help you make an informed choice between the Iowa Public Employees Retirement System (IPERS) and the Iowa Association of Community College Trustees Defined

More information

Supplemental 457(b) Plan Guide. A quick reference for governmental plan sponsors

Supplemental 457(b) Plan Guide. A quick reference for governmental plan sponsors Supplemental 457(b) Plan Guide A quick reference for governmental plan sponsors For Institutional Investor Use Only. Not for Use With or Distribution to the Public. Table of Contents Introduction 1 457(b)

More information

Your fiscal fitness review. Financial wellness tips, tools and checklists from TIAA-CREF

Your fiscal fitness review. Financial wellness tips, tools and checklists from TIAA-CREF Your fiscal fitness review Financial wellness tips, tools and checklists from TIAA-CREF Keeping fiscally fit is more important than ever before. No matter where you are in your life and career, chances

More information

Flexible protection to help meet a lifetime of needs

Flexible protection to help meet a lifetime of needs TIAA-CREF Life Insurance Company Flexible protection to help meet a lifetime of needs Intelligent Life Universal Life Insurance and Intelligent Life Survivorship Universal Life Insurance Designed to meet

More information

The journey to financial well-being starts with you.

The journey to financial well-being starts with you. TIAA-CREF Private Asset Management The journey to financial well-being starts with you. And the people you trust. What are your financial goals? What does financial well-being mean to you? What do you

More information

Given a constantly changing tax environment, what s the most effective way to save for retirement?

Given a constantly changing tax environment, what s the most effective way to save for retirement? Retirement Savings Tax Planning Tips Given a constantly changing tax environment, what s the most effective way to save for retirement? In the next few years, Congress will decide the fate of several tax

More information

FOR DISCUSSION TODAY WHAT IS AN IRA? IRA EDUCATION WORKSHOP

FOR DISCUSSION TODAY WHAT IS AN IRA? IRA EDUCATION WORKSHOP IRA EDUCATION WORKSHOP More Choices, More Flexibility, More Control C40949 FOR DISCUSSION TODAY 1. WHAT IS AN IRA? 2. 3. CHOOSING YOUR IRA 4. FIVE THINGS TO REMEMBER Transfers may be subject to differences

More information

Understanding Your Retirement Plans Changes Essential Information for Participants of the tufts university retirement plans

Understanding Your Retirement Plans Changes Essential Information for Participants of the tufts university retirement plans Understanding Your Retirement Plans Changes Essential Information for Participants of the tufts university retirement plans 2 Introducing the changes to your Tufts University retirement plans Effective

More information

SAVING FOR RETIREMENT

SAVING FOR RETIREMENT TIAA-CREF LIFE GOALS SERIES SAVING FOR RETIREMENT INVESTING AT WORK AND ON YOUR OWN TIAA-CREF: FINANCIAL SERVICES FOR THE GREATER GOOD OUR HISTORY For more than 90 years, TIAA-CREF has been dedicated to

More information

A guide to your retirement income options with TIAA-CREF

A guide to your retirement income options with TIAA-CREF A guide to your retirement income options with TIAA-CREF Helping you make important decisions about your retirement How will I know when the time is right to retire? Making the decision to retire is no

More information

THE POWER OF AN IRA.

THE POWER OF AN IRA. THE POWER OF AN IRA. Put the Power of an IRA to Work For You Whether retirement seems like a lifetime away or is just around the corner, getting started on your retirement savings plan is one of the smartest

More information

Empower Retirement TM IRA

Empower Retirement TM IRA Empower Retirement TM IRA Whether you ve been a participant in an employer-sponsored group retirement plan, are new to retirement saving, or are just exploring other retirement savings options, the Empower

More information

YOUR PERSONAL FINANCIAL ORGANIZER

YOUR PERSONAL FINANCIAL ORGANIZER YOUR PERSONAL FINANCIAL ORGANIZER WHAT'S INSIDE INTRODUCTION: UNDERSTANDING YOUR FINANCIAL ORGANIZER...1 I. FIGURING YOUR FINANCES...2 Net Worth Analysis...2 Cash Flow Analysis...4 II. GOALS, PRODUCTS

More information

I need a financial plan for life after DROP

I need a financial plan for life after DROP deferred retirement option program (DROP) for the IBC model plan program I need a financial plan for life after DROP AXA Equitable is proud to support the IBC s Florida Education Initiative www.themodelplan.com

More information

Get a head start on your future. A step-by-step overview of the coming Swarthmore College Regular Retirement Plan updates

Get a head start on your future. A step-by-step overview of the coming Swarthmore College Regular Retirement Plan updates Get a head start on your future. A step-by-step overview of the coming Swarthmore College Regular Retirement Plan updates Welcome to your updated retirement program. What do the updates mean to you? How

More information

LIVING WELL IN RETIREMENT

LIVING WELL IN RETIREMENT TIAA-CREF LIFE GOALS SERIES LIVING WELL IN RETIREMENT MANAGING YOUR INCOME AND EXPENSES TIAA-CREF: FINANCIAL SERVICES FOR THE GREATER GOOD TIAA -CREF is dedicated to serving the retirement needs of those

More information

Loans from your Retirement Accounts

Loans from your Retirement Accounts Loans from your Retirement Accounts Table of contents 1 Borrowing limits and collateral 2 Getting your loan: What you need to know 4 Repaying your loan: What you need to know 6 Loans from retirement plans

More information

529 College Savings Plans. The smart way to save and invest for college

529 College Savings Plans. The smart way to save and invest for college 529 College Savings Plans The smart way to save and invest for college Higher Education Paves the Way An investment in higher education is an investment for the future; whether you are saving and investing

More information

The Intelligent Life

The Intelligent Life TIAA-CREF Life Insurance Company The Intelligent Life Advantage A family of life insurance policies designed to help meet a lifetime of needs Designed to meet a lifetime of needs When it comes to life

More information

Lifetime retirement income

Lifetime retirement income Lifetime retirement income The foundation to seeking a secure future Retirement income options from TIAA-CREF TIAA-CREF understands that your financial priorities can change over time. This is why we

More information

From Here to There. Michigan s 529 College Savings Plan

From Here to There. Michigan s 529 College Savings Plan From Here to There Michigan s 529 College Savings Plan You Can Get There. We Can Help. Paying for a college education can be one of the most pressing financial challenges a family may face. Although it

More information

The George Washington University Retirement Plans. How to get started

The George Washington University Retirement Plans. How to get started The George Washington University Retirement Plans How to get started Table of Contents Why Save 3 Plans at a Glance 4 Approved Investment Providers 7 How to Enroll 8 Provider Fact Sheets 9 Investment Education

More information

4-Step Guide to Life Insurance

4-Step Guide to Life Insurance TIAA-CREF Life Insurance Company 4-Step Guide to Life Insurance Our promise to help you protect what matters most At TIAA-CREF, we understand the need for life insurance our promise is to help you make

More information

Get a head start on your future. A step-by-step guide to the coming University of Dallas Retirement Program changes

Get a head start on your future. A step-by-step guide to the coming University of Dallas Retirement Program changes Get a head start on your future. A step-by-step guide to the coming University of Dallas Retirement Program changes Table of Contents Be prepared for the changes ahead 1 Your new investment menu 2 Investment

More information

THE TAX ACT OF 2001. More Savings More Choices

THE TAX ACT OF 2001. More Savings More Choices A10695 (10/01) THE TAX ACT OF 2001 More Savings More Choices Understanding the Economic Growth and Tax Relief Reconciliation Act of 2001 Summary of Rules Applying to Distributions from Tax-Favored Products

More information

Saving for retirement with a 403(b) plan

Saving for retirement with a 403(b) plan Saving for retirement with a 403(b) plan 2 Saving for retirement with a 403(b) plan Saving for retirement with a 403(b) plan Retirement can be a welcome turning point in your life a time to enjoy hobbies,

More information

UNIVERSAL LIFE INSURANCE YOUR 5-MINUTE GUIDE. Flexible protection for what s most important in life

UNIVERSAL LIFE INSURANCE YOUR 5-MINUTE GUIDE. Flexible protection for what s most important in life UNIVERSAL LIFE INSURANCE YOUR 5-MINUTE GUIDE Flexible protection for what s most important in life Protection for all the moments that matter Be sure to choose a product that meets long-term life insurance

More information

Building Your Retirement Portfolio

Building Your Retirement Portfolio Building Your Retirement Portfolio With the Help of TIAA-CREF 111075_L01.indd 1 ABOUT TIAA-CREF: For more than 90 years, we at TIAA-CREF have dedicated ourselves to helping those who serve the greater

More information

A NEW WAY TO SAVE FOR RETIREMENT INTRODUCING THE ROTH OPTION C46803

A NEW WAY TO SAVE FOR RETIREMENT INTRODUCING THE ROTH OPTION C46803 A NEW WAY TO SAVE FOR RETIREMENT INTRODUCING THE ROTH OPTION C46803 TODAY S DISCUSSION 1. WHAT IS THE ROTH OPTION? 2. WHO MIGHT BENEFIT? 3. CONTRIBUTION LIMITS 4. DISTRIBUTION AND ROLLOVER OPTIONS 5. WHAT

More information

a 403(b) plan can help me save enough to retire

a 403(b) plan can help me save enough to retire retirement plan a 403(b) plan can help me save enough to retire EQUI-VEST Strategies sm series 900 and 901 group variable deferred annuity for 403(b) TSA plans Variable Annuities: Are Not a Deposit of

More information

TIAA-CREF IRA Survey Executive Summary March 18, 2015

TIAA-CREF IRA Survey Executive Summary March 18, 2015 TIAA-CREF IRA Survey Executive Summary March 18, 2015 1 . TIAA-CREF Survey: Despite Low Contributions, More Americans Will Consider IRAs in Their Retirement Planning According to a new TIAA-CREF survey,

More information

Surprise. Fixed Annuities. Your 5-minute Guide

Surprise. Fixed Annuities. Your 5-minute Guide Surprise Fixed Annuities Your 5-minute Guide Don t be surprised. When it comes to the retirement that you ve worked so hard for, you may not be willing to accept the risks and uncertainty associated with

More information

Managing Your Beneficiaries Inheritances

Managing Your Beneficiaries Inheritances Managing Your Beneficiaries Inheritances A Predetermined Beneficiary Payout Option 8/13 23220-13A You re in Control With the Predetermined Beneficiary Payout Option, you have the flexibility to choose

More information

July 28, 2015. Re: Important information about your retirement plan

July 28, 2015. Re: Important information about your retirement plan JOHN CARROLL UNIVERSITY One John Carroll Blvd. UNIVERSITY HEIGHTS, OH 441184520 July 28, 2015 SECTION1 Re: Important information about your retirement plan The enclosed information is being provided to

More information

Be prepared for whatever comes your way.

Be prepared for whatever comes your way. Fixed Annuities Your 5-minute Guide Be prepared for whatever comes your way. Prepare for the unexpected When it comes to the retirement you ve worked so hard for, you might not be willing to accept the

More information

August 26, 2015. Re: Important information about your retirement plan

August 26, 2015. Re: Important information about your retirement plan MANHATTANVILLE COLLEGE 2900 PURCHASE STREET PURCHASE, NY 105772131 August 26, 2015 SECTION1 Re: Important information about your retirement plan The enclosed information is being provided to help you make

More information

Paving the way to a secure retirement: A model DC approach

Paving the way to a secure retirement: A model DC approach Paving the way to a secure retirement: A model DC approach Life expectancy (age) 95 90 85 49% 73% 0 20 40 60 80 100% Probability at age 65 A couple at age 65 has an 89 percent chance of one of them living

More information

Nationwide YourLife Survivorship VUL. Product guide. Everyone could use a little balance

Nationwide YourLife Survivorship VUL. Product guide. Everyone could use a little balance Nationwide YourLife Survivorship VUL Product guide Everyone could use a little balance Balance protection and growth potential You like the idea of leaving your family a legacy one day. If you have your

More information

Overview of Your TIAA-CREF Investment Solutions SM Accounts

Overview of Your TIAA-CREF Investment Solutions SM Accounts Overview of Your TIAA-CREF Investment Solutions SM Accounts TIAA-CREF Investment Solutions SM now offers you nine mutual funds in addition to our fixed and variable annuity accounts. TIAA-CREF Investment

More information

PRODUCTS AND SERVICES

PRODUCTS AND SERVICES PRODUCTS AND SERVICES Cost and Guide As a member of Thrivent Financial, we want you to have the information you need about the products and services you re paying for. This guide describes the costs associated

More information

Insurance. Survivorship Life. Insurance. The Company You Keep

Insurance. Survivorship Life. Insurance. The Company You Keep Insurance Survivorship Life Insurance The Company You Keep Permanent Life Insurance Protection for Two People You ve built a legacy, but who will be the recipients your heirs or the IRS? 1 Now is the time

More information

Get a head start on your future. A step-by-step guide to the coming Cornell University Retirement Plan updates

Get a head start on your future. A step-by-step guide to the coming Cornell University Retirement Plan updates Get a head start on your future. A step-by-step guide to the coming Cornell University Retirement Plan updates Retirement program updates are coming. Cornell University is committed to offering you the

More information

Rollover IRAs. Consider the advantages of consolidating your retirement savings

Rollover IRAs. Consider the advantages of consolidating your retirement savings Rollover IRAs Consider the advantages of consolidating your retirement savings Consider the Advantages of Consolidating Your Retirement Savings If you have changed jobs, left the workforce or plan to

More information

Income Plus Variable Annuity

Income Plus Variable Annuity Just the facts about New York Life... Income Plus Variable Annuity What is the New York Life Income Plus Variable Annuity? 1 Why should I consider Income Plus with the Guaranteed Future Income Benefit

More information

New opportunities for your retirement strategy. Announcing upcoming changes to the University of Southern California Retirement Plans

New opportunities for your retirement strategy. Announcing upcoming changes to the University of Southern California Retirement Plans New opportunities for your retirement strategy Announcing upcoming changes to the University of Southern California Retirement Plans The University of Southern California is dedicated to helping you prepare

More information

Variable Annuities Because Retirement Requires a New Way of Thinking

Variable Annuities Because Retirement Requires a New Way of Thinking Pacific Life Variable Annuities Because Retirement Requires a New Way of Thinking 13141-12A 5/12 5/15 13141-15A As You Plan for Retirement, Think Differently Whether you re approaching retirement or already

More information

Rollover IRAs. Maximize the potential of your retirement savings

Rollover IRAs. Maximize the potential of your retirement savings Rollover IRAs Maximize the potential of your retirement savings Consolidate Your Retirement Savings With a Rollover IRA If you have changed jobs, left the workforce or plan to retire, you likely have

More information

Understanding Annuities

Understanding Annuities Annuities, 06 5/4/05 12:43 PM Page 1 Important Information about Variable Annuities Variable annuities are offered by prospectus, which you can obtain from your financial professional or the insurance

More information

Life Insurance in Retirement Planning

Life Insurance in Retirement Planning Life Insurance in Retirement Planning HOW PERMANENT LIFE INSURANCE CAN HELP MEET YOUR DEATH BENEFIT NEEDS AND ENHANCE YOUR RETIREMENT. 0251133-00002-00 Did You Know? Many high-income and high-net worth

More information

College & University Retirement Plan Handbook

College & University Retirement Plan Handbook College & University Retirement Plan Handbook Table of contents 3 Introduction 3 About TIAA-CREF 4 Plan eligibility 5 Enrolling in the plan 6 Contributing to the plan 6 Leaves of absence/sabbaticals 7

More information

Traditional and Roth IRAs. Invest for retirement with tax-advantaged accounts

Traditional and Roth IRAs. Invest for retirement with tax-advantaged accounts Traditional and Roth IRAs Invest for retirement with tax-advantaged accounts Your Retirement It is your ultimate reward for a lifetime of hard work and dedication. It is a time when you should have the

More information

Trust Services at Merrill Lynch. Estate Planning Services

Trust Services at Merrill Lynch. Estate Planning Services Trust Services at Merrill Lynch Estate Planning Services Merrill Lynch Wealth Management makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S) and

More information

Build a Strong Financial Future

Build a Strong Financial Future The Principal Financial Group Build a Strong Financial Future LIFE INSURANCE AS AN ASSET Building a strong financial future You work hard to build financial security for you and your family. Are you considering

More information

Getting Started About the 401(k) plan. Who is eligible to enroll? What is a Roth 401(k) contribution? Why should I participate in the Program?

Getting Started About the 401(k) plan. Who is eligible to enroll? What is a Roth 401(k) contribution? Why should I participate in the Program? The State of Tennessee 401(k) Deferred Compensation Program (your Program) is a supplemental retirement savings program that is designed to work with the Tennessee Consolidated Retirement System (TCRS)

More information

Building Successful, State Sponsored Retirement Programs for Private Sector Employees

Building Successful, State Sponsored Retirement Programs for Private Sector Employees Building Successful, State Sponsored Retirement Programs for Private Sector Employees April 25, 2016 2.25 x 0.875 Confronting a retirement readiness gap 55 million Americans do not have access to a pension

More information

TIAA TRADITIONAL ANNUITY PRODUCT COMPARISON NOVEMBER 2008

TIAA TRADITIONAL ANNUITY PRODUCT COMPARISON NOVEMBER 2008 TIAA TRADITIONAL ANNUITY PRODUCT COMPARISON NOVEMBER 2008 PRODUCT OBJECTIVE To provide safety of principal, stability, guaranteed minimum interest crediting rates, plus the potential for additional amounts

More information

VARIABLE UNIVERSAL LIFE YOUR 5-MINUTE GUIDE. You want it all.

VARIABLE UNIVERSAL LIFE YOUR 5-MINUTE GUIDE. You want it all. VARIABLE UNIVERSAL LIFE YOUR 5-MINUTE GUIDE You want it all. Need more from your life insurance? You need life insurance protection for your family, retirement investments for yourself and your preschooler

More information

Lifetime retirement income

Lifetime retirement income Lifetime retirement income The foundation to seeking a secure future Retirement income options from TIAA-CREF Your financial priorities can change over time. That s why we offer a wide range of income

More information

An Asset Repositioning Strategy Repositioning Retirement Assets to Preserve a Legacy using Life Insurance

An Asset Repositioning Strategy Repositioning Retirement Assets to Preserve a Legacy using Life Insurance An Asset Repositioning Strategy Repositioning Retirement Assets to Preserve a Legacy using Life Insurance Chana Beene, CLU Beene Wealth Management 400 Austin Avenue, Suite 200 Waco, TX 76701 Phone 254-755-6575

More information

Key Considerations in a Rollover

Key Considerations in a Rollover Key Considerations in a Rollover Presenter : Doug Hintlian, Regional Vice President, Columbia Management 787423_(12/13) It s Not Just About Knowledge, It s About Know-How The Columbia Management Learning

More information