Power. Simplicity. Value.

Size: px
Start display at page:

Download "Power. Simplicity. Value."

Transcription

1 Power. Simplicity. Value. TIAA-CREF Brokerage Services: The freedom to build, control and adjust your portfolio of investments according to your goals.

2 We have a 95-year legacy of trust. TIAA-CREF Brokerage Services offers: < Customized support and investment options < Access to a wide array of research and resources < Easy-to-use tools < Low expense ratio mutual funds* < No minimum balance or maintenance fees < Competitive trading fees For almost 100 years, our customers have trusted us to manage their retirement assets. Now you can take advantage of that same level of expertise, insight and personal service to help you with the management of your investment assets. Make the most of that legacy As a TIAA-CREF Brokerage Services customer, you will have access to disciplined assistance from our specialists, as well as a portfolio of products with long-term track records. Invest without pressure You ll have the help you need to build and manage a comprehensive investment strategy for your unique needs and goals without any pressure to buy. Not-for-profit heritage You can also count on our help to keep expenses low. After all, lower costs mean more of your money can be working for you. One home for your investments Whether you choose to manage your account by yourself, need a little guidance or prefer an advisor relationship, you can now manage your investment and retirement assets in one place. * Applies to select products. 2 TIAA-CREF Brokerage Services

3 Get as much help as you want. Or as little. What s your investment style? Hands on, hands off or somewhere in between? TIAA-CREF Brokerage Services lets you choose the kind of account that matches the way you want to invest. < Individual Investing You prefer to research and trade on your own. < Guided Investing You want to invest on your own, but want occasional help and guidance. < Managed Solutions 1 You prefer to have a professional account manager do it for you. Decide which investment style is the best approach for you, and we ll show you how easy it is to open an account and get started online at tiaa-cref.org or by phone at It s your portfolio. Customize it. Your financial needs call for investment choices that best meet your goals. So we give you access to TIAA-CREF s family of mutual funds, many available at fees less than half the industry average, 2 along with more than 10,000 investment choices. These include: < Mutual funds from some of the nation s best-known fund families, many of which are no-load and have no transaction fees 3 < Stocks and exchange-traded funds (ETFs) available on major exchanges < U.S. Treasury, agency, municipal, corporate and high-yield bonds < FDIC-insured certificates of deposit (CDs) < Options < Cash sweep options for your uninvested cash balance 1 Managed Solutions offers fee-based services. 2 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 Morningstar Universe median). Source: Morningstar Direct, December 31, 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. 3 Other fees and expenses do apply to continued investment in the fund and are described in the fund s prospectus. Certain securities may not be suitable for all investors. 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. TIAA-CREF Brokerage Services 3

4 Put leading-edge tools at your fingertips. Access key information and unique insights into what our investment pros are thinking so you can better understand how the markets and economy might affect your investments. You can download in-depth independent research about specific industries or companies from some of the most reputable independent resources in the business. They include: TIAA-CREF Market and Investment Insights Take advantage of the knowledge and analysis of TIAA-CREF Asset Management professionals. Advanced Research and Analysis Tools < Real-time equity quotes and performance data Make the most of up-to-the-minute information from Thomson Reuters. < S&P Capital IQ* Tap into independent equity research from one of the world s foremost sources of credit ratings, indexes, investment research, risk evaluation and data. < Detailed company reports Get access to detailed reports about specific companies provided by Morningstar. We ve improved the navigation and redesigned the graphics of our online investor experience. Mutual Fund Locator < TIAA-CREF and third-party mutual funds Tap into the investment expertise of our asset management team and get more detailed insight about TIAA-CREF funds. You also have access to mutual funds offered by well-known third parties. < TIAA-CREF Insights List** Construct a diversified portfolio of mutual funds or achieve a specific asset allocation by accessing a prescreened list. ETF and Stock Research Selection Tools Take advantage of a suite of powerful online screeners to select stocks and ETFs for your portfolio. Fixed Income and CD Center Build a customized portfolio of individual bonds or certificates of deposit to meet a variety of your income goals (i.e. retirement income, income payments and more). * 2015 Standard & Poor s Financial Services LLC, a part of McGraw-Hill Financial. All rights reserved. Morningstar ** The selection process for funds on the Mutual Fund Insight List does not take into account the particular needs of any specific investor. There is no guarantee that the selection methodology employed will be successful or lead to profitable returns. 4 TIAA-CREF Brokerage Services

5 Access additional features and services. With a TIAA-CREF Brokerage Services account, you can add features designed to help you pursue your investment goals. These include: < Automatic sweep Choose from different options where your cash remains liquid and earns interest. 1 < Online Account Purchases Help build your account with scheduled automatic or ad hoc purchases directly from your bank account. < edelivery Go green with electronic delivery of your monthly statements, trade confirmations and other eligible account communications. < Online service Count on personalized attention from our team of dedicated Brokerage Specialists, available at < Online Check Withdrawals Request withdrawals directly online from your brokerage account for delivery to your address of record. < Online Profile Updates Make immediate updates to your account profile to include beneficiaries, address changes and more. 1 Sweep options vary by account type. Certain accounts do not include a money market sweep option. TIAA-CREF Brokerage Services 5

6 Experience clarity, convenience and value. Make even more of TIAA-CREF s expertise and management skills with your retirement investments. Open a new retail brokerage account and you ll be able to take advantage of: < No account minimum balance requirement 1 < No annual account maintenance fees < Competitive trade fees 2 < TIAA-CREF s family of mutual funds. From your TIAA-CREF account page, you can easily navigate and view your: < Investments < Transaction history < Projected cash flow < Tax documents < Trade confirmations If you already have a TIAA-CREF retirement investment account, consider the additional benefits you could enjoy by opening a new account or consolidating assets you have at other investment firms: 3 < Fewer account statements < Less paperwork < Easier accounting < Reducing or eliminating fees Visit us online at tiaa-cref.org or call us at Certain securities may require a minimum investment. 2 For current pricing, view the Customer Account Agreement at tiaa-cref.org. 3 Before consolidating assets, be sure to carefully consider the benefits of both the existing and new product. There will likely be differences in features, costs, surrender charges, services, company strength and other important aspects. There may also be tax consequences or other penalties associated with the transfer of assets. Indirect transfers may be subject to taxation and penalties. Consult with your own advisors regarding your particular situation. 6 TIAA-CREF Brokerage Services

7 Getting started is easy. Sign up online at tiaa-cref.org. < To open a new Brokerage Services account, log in and complete the online TIAA-CREF brokerage application. Open an account via phone at < Call and ask one of our Brokerage Specialists for a Brokerage Account Kit. < Our specialists can help complete necessary paperwork and select an account based on your goals. < We re available 8 a.m. to 7 p.m. (ET), Monday to Friday. Tour Brokerage Services at tiaa-cref.org. See how much TIAA-CREF Brokerage Services has to offer and how easy it is to navigate. TIAA-CREF Brokerage Services 7

8 Consider the investment objectives, risks, charges and expenses carefully before investing. Please call or go to tiaa-cref.org for a prospectus that contains this and other information. Read the prospectus carefully before investing. 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. Brokerage Services are provided by TIAA-CREF Brokerage Services, a division of TIAA-CREF Individual & Institutional Services, LLC, Distributor, member FINRA and SIPC. Brokerage accounts are carried by Pershing, LLC, a subsidiary of the The Bank of New York Company, Inc., member FINRA, NYSE, SIPC. TIAA-CREF Individual & Institutional Services, LLC, and Teachers Personal Investors Services, Inc., and Nuveen Securities, member FINRA, distribute securities. Advisory services provided by Advice & Planning Services, a division of TIAA-CREF Individual & Institutional Services, LLC, a registered investment adviser. Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY. Each is solely responsible for its own financial condition and contractual obligations. C Teachers Insurance and Annuity Association of America-College Retirement Equities Fund (TIAA-CREF), 730 Third Avenue, New York, NY _ A10959 (02/15)

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

Get help achieving your financial goals.

Get help achieving your financial goals. Get help achieving your financial goals. 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

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

TIAA-CREF Brokerage Services. Invest with TIAA-CREF Brokerage Services. Simplicity, Flexibility and Choice

TIAA-CREF Brokerage Services. Invest with TIAA-CREF Brokerage Services. Simplicity, Flexibility and Choice TIAA-CREF Brokerage Services Invest with TIAA-CREF Brokerage Services Simplicity, Flexibility and Choice TIAA-CREF: Dedicated to the long-term financial well-being of the people we serve TIAA-CREF is dedicated

More information

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

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

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

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

TIAA-CREF Self-Directed Brokerage Overview and Account Setup. Your quick guide to the brokerage program

TIAA-CREF Self-Directed Brokerage Overview and Account Setup. Your quick guide to the brokerage program TIAA-CREF Self-Directed Brokerage Overview and Account Setup Your quick guide to the brokerage program For investors with specialized investing needs, more choice means more opportunity to direct retirement

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

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

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

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

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

How to Set Up a Self-Directed Brokerage Account. The Brooklyn Hospital Center 403(b) Retirement Plan

How to Set Up a Self-Directed Brokerage Account. The Brooklyn Hospital Center 403(b) Retirement Plan How to Set Up a Self-Directed Brokerage Account The Brooklyn Hospital Center 403(b) Retirement Plan How to Set Up a Self-Directed Brokerage Account If you re participating in The Brooklyn Hospital Center

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

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

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

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

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

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

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

TIAA-CREF Asset Management. Global capabilities Recognized performance

TIAA-CREF Asset Management. Global capabilities Recognized performance TIAA-CREF Asset Management Global capabilities Recognized performance Earning our clients trust since 1918 TIAA-CREF s greatest assets are the lasting relationships we ve developed and maintained since

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

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

Practice Management Value-Add Programs. TIAA-CREF Asset Management. Practice Management. Preparing you for new investors and new opportunities

Practice Management Value-Add Programs. TIAA-CREF Asset Management. Practice Management. Preparing you for new investors and new opportunities Practice Management Value-Add Programs TIAA-CREF Asset Management Practice Management Preparing you for new investors and new opportunities Say hello to today s new investors. And to tomorrow s retirement

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

BEFORE YOU MAKE THAT MOVE... KNOW THE FACTS

BEFORE YOU MAKE THAT MOVE... KNOW THE FACTS BEFORE YOU MAKE THAT MOVE... KNOW THE FACTS A TRADITION OF SERVICE AND COMMITMENT Throughout our 90-year history, we at TIAA-CREF have dedicated ourselves to helping those in the academic, medical, cultural

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

Transamerica IRA. make the most of it. Saving and investing made simple with the

Transamerica IRA. make the most of it. Saving and investing made simple with the Saving and investing made simple with the Transamerica IRA It s your hard-earned money. We re here to help you make the most of it. If you re looking for simplicity, consolidate all of your 40(k) accounts

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

How to Set Up a Self-Directed Brokerage Account

How to Set Up a Self-Directed Brokerage Account How to Set Up a Self-Directed Brokerage Account Your North Dakota Public Employees Retirement System 401(a) Defined Contribution Plan and 457(b) Deferred Compensation Companion Plan How to Set Up a Self-Directed

More information

Portfolio Advisor. Cover title is Agenda Semibold, sentence case. Smart, simple and all about you

Portfolio Advisor. Cover title is Agenda Semibold, sentence case. Smart, simple and all about you Cover title is Agenda Semibold, sentence case. Portfolio Advisor Smart, simple and all about you Cover subtitle is Agenda Medium 13/16. Personalized portfolio management from TIAA Investing doesn t have

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

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

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

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

Make the Most of Your Retirement Plan: The University System of Georgia Optional Retirement Plan Enrollment Guide

Make the Most of Your Retirement Plan: The University System of Georgia Optional Retirement Plan Enrollment Guide B:8.75 T:8.5 Make the Most of Your Retirement Plan: The University System of Georgia Optional Retirement Plan Enrollment Guide Gotham (Book, Medium) Page: 1 Links: 188551763.tif (CMYK; 534 ppi), BOR_logo_

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

Guide to online withdrawals

Guide to online withdrawals Less time, paper and phone calls Many types of withdrawal requests can be completed online through your account on TIAA.org, 1 which saves time and reduces the need for paper forms. This guide includes

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

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

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

FRS Investment Plan Self-Directed Brokerage Account. Access Guide For Your Self-Directed Brokerage Account

FRS Investment Plan Self-Directed Brokerage Account. Access Guide For Your Self-Directed Brokerage Account FRS Investment Plan Self-Directed Brokerage Account Access Guide For Your Self-Directed Brokerage Account Accessing Your Account Online Access: MyFRS.com With your FRS Investment Plan Self-Directed Brokerage

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

TIAA-CREF Asset Management. TIAA-CREF Lifecycle Funds. A distinctive combination of benefits for plan sponsors and employees.

TIAA-CREF Asset Management. TIAA-CREF Lifecycle Funds. A distinctive combination of benefits for plan sponsors and employees. TIAA-CREF Asset Management TIAA-CREF Lifecycle Funds A distinctive combination of benefits for plan sponsors and employees. TIAA-CREF s Lifecycle Funds offer distinct advantages: Asset allocation glide

More information

TIAA-CREF Asset Management. TIAA-CREF Global Equity Strategies. Combining discipline and innovation for investments that seek to consistently deliver

TIAA-CREF Asset Management. TIAA-CREF Global Equity Strategies. Combining discipline and innovation for investments that seek to consistently deliver TIAA-CREF Asset Management TIAA-CREF Global Equity Strategies Combining discipline and innovation for investments that seek to consistently deliver A distinguished heritage of intelligent equity investing

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

Hewitt Financial Services Self-Directed Brokerage Account (SDBA)

Hewitt Financial Services Self-Directed Brokerage Account (SDBA) invest in you Enrollment Guide Brokerage Account (SDBA) Savings Plus offers a self-directed brokerage account option for investors who may want to direct investments to a wider variety of options other

More information

An Overview to Equity Services Incorporated

An Overview to Equity Services Incorporated An Overview to Equity Services Incorporated 30 % 64086 MK3302(0711) TC58836(0211) Putting ESI on the Map Nearly 600 registered representatives Of which, approximately 400 are Investment Adviser Representatives

More information

TD Ameritrade Self-Directed Brokerage Account. A Guide for Plan Participants Brokerage Option

TD Ameritrade Self-Directed Brokerage Account. A Guide for Plan Participants Brokerage Option TD Ameritrade Self-Directed Brokerage Account A Guide for Plan Participants Brokerage Option Inside Your Participant Guide TD Ameritrade Self-Directed Brokerage Account Overview 1 Is a Self-Directed Brokerage

More information

TD AMERITRADE Self-Directed Brokerage Account. A Guide for Plan Participants Mutual Funds Option. Your future. Made easier.

TD AMERITRADE Self-Directed Brokerage Account. A Guide for Plan Participants Mutual Funds Option. Your future. Made easier. TD AMERITRADE Self-Directed Brokerage Account A Guide for Plan Participants Mutual Funds Option Your future. Made easier. Inside Your Participant Guide TD AMERITRADE Self-Directed Brokerage Account Overview

More information

How to read your Brokerage Account Statement

How to read your Brokerage Account Statement How to read your Brokerage Account Statement Introduction Your brokerage account statement provides you with a concise, comprehensive picture of your financial status. At a glance, you can easily track

More information

TD Ameritrade Self-Directed Brokerage Account. A guide for plan participants Mutual funds option

TD Ameritrade Self-Directed Brokerage Account. A guide for plan participants Mutual funds option TD Ameritrade Self-Directed Brokerage Account A guide for plan participants Mutual funds option Inside Your Participant Guide TD Ameritrade Self-Directed Brokerage Account Overview 2 Is a Self-Directed

More information

TD Ameritrade Brokerage Account. A guide for plan participants Mutual funds option

TD Ameritrade Brokerage Account. A guide for plan participants Mutual funds option TD Ameritrade Brokerage Account A guide for plan participants Mutual funds option Inside your participant guide TD Ameritrade Brokerage Account Overview 2 Is a Brokerage Account Right for Me? 2 Am I Eligible?

More information

A Winning Relationship. You, Your Advisor, and Schwab Advisor Services. For Clients of Independent Investment Advisors

A Winning Relationship. You, Your Advisor, and Schwab Advisor Services. For Clients of Independent Investment Advisors A Winning Relationship You, Your Advisor, and Schwab Advisor Services For Clients of Independent Investment Advisors Your advisor s expertise and Schwab s custody services come together to help protect

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 Is it time to make a change? 3 Your annuity income 5 TIAA Traditional income 7 TIAA and CREF variable income 10 Ways to adjust your annuity income

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

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

Signature Advantage. Our best financial management account for your most complex financial needs.

Signature Advantage. Our best financial management account for your most complex financial needs. Signature Advantage Our best financial management account for your most complex financial needs. Simplify your financial life. Imagine being able to manage all your finances in a single account, with

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

Frequently Asked Questions PG&E Corporation Retirement Savings Plan (a 401(k) Plan) Need Help? General Questions: Information About Your RSP Account

Frequently Asked Questions PG&E Corporation Retirement Savings Plan (a 401(k) Plan) Need Help? General Questions: Information About Your RSP Account Need Help? Information About Your RSP Account Call the Fidelity RSP Service Center at 1-877-PGE-401k (1-877-743-4015) Customer Service Associates are available 5:30 a.m. to 9 p.m. Pacific Time on weekdays,

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

Self-Direct Brokerage

Self-Direct Brokerage Self-Direct Brokerage sdb Direct Advantage sdb Advisor Advantage Your employer is pleased to offer the Self-Direct Brokerage (sdb) service. An sdb account gives you more flexibility in managing your retirement

More information

WHEATON COLLEGE RETIREMENT PLAN QUALIFIED DEFAULT INVESTMENT ALTERNATIVE NOTICE

WHEATON COLLEGE RETIREMENT PLAN QUALIFIED DEFAULT INVESTMENT ALTERNATIVE NOTICE WHEATON COLLEGE RETIREMENT PLAN QUALIFIED DEFAULT INVESTMENT ALTERNATIVE NOTICE FY 2016 PLAN YEAR The Wheaton College Retirement Plan (the "Plan") permits each Participant to direct how money in her/his

More information

Replace your salary in retirement

Replace your salary in retirement Replace your salary in retirement We can help Wondering how you ll replace your salary when you retire? Will you have enough income to last your lifetime? Fortunately, you still have time and options and

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

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

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

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

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

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

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

Best practices for confident plan compliance

Best practices for confident plan compliance Best practices for confident plan compliance Ongoing efforts to expand retirement plan participation, promote transparency and enhance benefit security have increased responsibilities for plan sponsors.

More information

GEORGE WASHINGTON UNIVERSITY 457(B) DEFERRED COMPENSATION PLAN

GEORGE WASHINGTON UNIVERSITY 457(B) DEFERRED COMPENSATION PLAN GEORGE WASHINGTON UNIVERSITY 457(B) DEFERRED COMPENSATION PLAN OPEN YOUR DEFERRED COMPENSATION ACCOUNT INSTRUCTIONS NEED HELP? Call 800 TIAA-CREF (800 842-2273) Monday to Friday from 8 a.m. to 10 p.m.,

More information

Announcing investment changes in the Piper Jaffray Companies Retirement Plan. What is a Wells Fargo Self-Directed Brokerage Account?

Announcing investment changes in the Piper Jaffray Companies Retirement Plan. What is a Wells Fargo Self-Directed Brokerage Account? Announcing investment changes in the Piper Jaffray Companies Retirement Plan. Piper Jaffray periodically reviews the investment options available in the Piper Jaffray Companies Retirement Plan to ensure

More information

Please read this important information for Yale University Matching Retirement Plan participants

Please read this important information for Yale University Matching Retirement Plan participants Please read this important information for Yale University Matching Retirement Plan participants This notice gives you important information about the default investment funds selected for the Matching

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

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

OPEN YOUR DEFERRED COMPENSATION ACCOUNT

OPEN YOUR DEFERRED COMPENSATION ACCOUNT OPEN YOUR DEFERRED COMPENSATION ACCOUNT INSTRUCTIONS NEED HELP? Call 800 TIAA-CREF (800 842-2273) Monday to Friday from 8 a.m. to 10 p.m., and Saturday from 9 a.m. to 6 p.m. (ET) or visit tiaa-cref.org.

More information

Mutual Fund Basics TYPES OF MUTUAL FUNDS WHAT ARE THE BENEFITS OF INVESTING IN A MUTUAL FUND?

Mutual Fund Basics TYPES OF MUTUAL FUNDS WHAT ARE THE BENEFITS OF INVESTING IN A MUTUAL FUND? Mutual Fund Basics A mutual fund pools the money of many investors to purchase securities. The fund s manager buys securities to pursue a stated investment strategy. By investing in the fund, you ll own

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

Investment Services. We Find a Way

Investment Services. We Find a Way Investment Services We Find a Way If you re looking for a steady, carefully balanced approach to investing you ve found it. Webster Investment Services is a dedicated group of financial consultants with

More information

Retirement Information Guide

Retirement Information Guide Retirement Information Guide Image courtesy of the University of Utah University of Utah Retirement Plans: 401(a) Defined Contribution Retirement Plan for Plan H Benefit Program Participants and Employee

More information

TIAA-CREF THE BROWN UNIVERSITY DEFERRED VESTING RETIREMENT PLAN. Summary of Plan Services and Costs

TIAA-CREF THE BROWN UNIVERSITY DEFERRED VESTING RETIREMENT PLAN. Summary of Plan Services and Costs THE BROWN UNIVERSITY DEFERRED VESTING RETIREMENT PLAN Summary of Plan Services and Costs July 3, 2013 This summary provides important information to assist you in making decisions related to your participation

More information

Getting Started... 2. Retirement Plan Details... 5. Retirement Plan Details Quick Guide... 5. Emory University 403(b) Retirement Plan Details...

Getting Started... 2. Retirement Plan Details... 5. Retirement Plan Details Quick Guide... 5. Emory University 403(b) Retirement Plan Details... GETTING STARTED Table of Contents Getting Started.... 2 Retirement Plan Details.... 5 RETIREMENT PLAN DETAILS Retirement Plan Details Quick Guide... 5 Emory University 403(b) Retirement Plan Details....

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

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

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

SAVING FOR RETIREMENT LOANS FROM YOUR RETIREMENT ACCOUNTS

SAVING FOR RETIREMENT LOANS FROM YOUR RETIREMENT ACCOUNTS SAVING FOR RETIREMENT LOANS FROM YOUR RETIREMENT ACCOUNTS TABLE OF CONTENTS 02 Borrowing Limits and Collateral 03 Getting Your Loan 05 Repaying Your Loan 09 Retirement, Group Retirement, Retirement Choice

More information

How will you spend your retirement savings?

How will you spend your retirement savings? How will you spend your retirement savings? Retirement income strategies Get income from a Vanguard IRA A Vanguard IRA can provide you a great deal of flexibility when withdrawing retirement income. Systematic

More information

Your Fiscal Fitness Review. Financial wellness tips, tools and checklists from TIAA-CREF especially for State University of New York employees

Your Fiscal Fitness Review. Financial wellness tips, tools and checklists from TIAA-CREF especially for State University of New York employees Your Fiscal Fitness Review Financial wellness tips, tools and checklists from TIAA-CREF especially for State University of New York employees Keeping fiscally fit is now more important and easier than

More information

Your 401(k) Rollover Guide

Your 401(k) Rollover Guide Your 401(k) Rollover Guide The best approach to rollovers is often the simplest. A simple decision may make a big difference to your future. Whether you re changing jobs or retiring, leaving your employer

More information

Wellesley College Retirement Plan Transition Guide. Inside is everything you need to know about the transition to the new Investment Menu.

Wellesley College Retirement Plan Transition Guide. Inside is everything you need to know about the transition to the new Investment Menu. Learn Prepare Engage Wellesley College Retirement Plan Transition Guide Inside is everything you need to know about the transition to the new Investment Menu. 1 Introduction 2 Building Your Retirement

More information

Important information and changes to the Princeton University Retirement Plans

Important information and changes to the Princeton University Retirement Plans Important information and changes to the Princeton University Retirement Plans Table of contents Overview of changes... 4 What to expect for TIAA participants... 5 Vanguard participants... 6 Retirees...

More information

A User s Guide to Self-directed Brokerage Accounts (SDAs) From Retirement Brokerage Services

A User s Guide to Self-directed Brokerage Accounts (SDAs) From Retirement Brokerage Services A User s Guide to Self-directed Brokerage Accounts (SDAs) From Retirement Brokerage Services Table of Contents Introduction Managing Your Self-directed Brokerage Account (SDA) Funding Your SDA pg. 3 Transferring

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

Mutual Funds Made Simple. Brighten your future with investments

Mutual Funds Made Simple. Brighten your future with investments Mutual Funds Made Simple Brighten your future with investments About Invesco Aim When it comes to investing, your sights are set on a financial summit a college diploma, new home or secure retirement.

More information

SYSTEMATIC WITHDRAWALS AND TRANSFERS FROM THE TIAA TRADITIONAL ANNUITY UNDER RETIREMENT CHOICE ANNUITY CONTRACTS

SYSTEMATIC WITHDRAWALS AND TRANSFERS FROM THE TIAA TRADITIONAL ANNUITY UNDER RETIREMENT CHOICE ANNUITY CONTRACTS FROM THE TIAA TRADITIONAL ANNUITY UNDER RETIREMENT CHOICE ANNUITY CONTRACTS THE TIAA TRADITIONAL ANNUITY The TIAA Traditional Annuity s primary goal is to protect your principal while providing the highest

More information

Workplace Education Series. Making the Most of Your New Workplace Savings Plan

Workplace Education Series. Making the Most of Your New Workplace Savings Plan Making the Most of Your New Workplace Savings Plan Making the Most of Your New Workplace Savings Plan Guiding you through exciting plan changes ahead Today s agenda: New plan features Steps to prioritizing

More information