TIAA-CREF Wealth Management. Personalized, objective financial advice for every stage of life

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1 TIAA-CREF Wealth Maagemet Persoalized, objective fiacial advice for every stage of life

2 A persoalized team approach for a trusted lifelog relatioship No matter who you are, you ca t be a expert i all aspects of your persoal fiaces. Nor ca you rely o oe perso to provide all the fiacial expertise you require. Istead, you should have access to differet types of specialists to address your complex fiacial eeds. Your fiacial pla should satisfy several importat objectives: < Receivig eough retiremet icome to last 20 to 30 years or loger < Properly balacig growth ad icome to meet your log-term eeds, while helpig to preserve your savigs i dow markets < Cosolidatig assets to pla effectively ad miimize fees < Developig strategies to address taxes, iflatio ad future medical expeses < Balacig multiple goals over time, such as fudig educatio for childre ad gradchildre, carig for elderly parets, ad providig a legacy for family ad charitable orgaizatios Ievitably, complex eeds require a persoalized approach, a thorough uderstadig of your goals ad aspiratios, a balaced portfolio that maages the dowside risk of market volatility, ad expertise ad services to support those eeds at o additioal cost. At TIAA-CREF we place great emphasis ot oly o fiacial idepedece, but also o the relatioship that you have with us. Your dedicated Wealth Maagemet Team ca help you pursue fiacial goals as your life evolves, goals chage ad markets shift. As a committed parter, your Wealth Maagemet Advisor works oe o oe with you to develop persoalized solutios with objective advice. A team of specialists to meet your uique eeds Tax Retiremet Ivestmet Advisory Team Cliet Estate Plaig Trust Isurace Your Wealth Maagemet Advisor ca work oe o oe with you o wealth accumulatio, retiremet icome plaig, trasitioig to retiremet, livig well i retiremet ad legacy plaig. After meetig with you by phoe or i perso, your Advisor ad team will egage product specialists to provide comprehesive, eeds-based fiacial plaig services. Our team ca address complex eeds ad multiple goals, selectig from a diverse array of fiacial products ad services. Rollovers ad trasfers may be subject to differeces i features, costs, ad surreder charges. Certai trasfers may icur taxes. Cosult your tax advisor regardig your situatio.

3 Buildig your fiacial future Depedable, objective advice each ad every time At the ceter of the relatioship betwee you ad your Wealth Maagemet Team is the trusted advice ad guidace you ll receive meetig a fiduciary stadard requirig us to esure that our recommedatios are always i your best iterest. To that ed, we use a three-step process for creatig a objective fiacial pla truly customized to your persoal eeds: Evaluate ad develop To gai a comprehesive uderstadig of your curret ad future fiacial eeds, we ll review all of your fiacial holdigs iside ad outside of TIAA-CREF ad gather detailed iformatio o your assets, liabilities, icome ad expeses. We ll also work collaboratively with ay outside advisors you may have to build ad maage your fiacial pla. Based o our review, we ll aalyze your short- ad log-term fiacial objectives, takig ito accout your risk tolerace, time horizo, ivestmet prefereces ad other plaig eeds. Pla recommedatios Our advice is completely objective, because it is sourced from a leadig idepedet authority kow for its comprehesive methodology. You will receive ubiased recommedatios for asset allocatio ad specific ivestmets, based o a aalysis of a broad rage of optios ad providers ot limited to TIAA-CREF. Your Team follows a disciplied process to esure quality ad cosistecy: < To objectively assess your portfolio s ability to meet various goals uder differet market ad ecoomic coditios, we will ru hudreds of simulatios modelig all types of possible scearios. < As a extra step to esure your pla is cosistet with high-quality stadards, a cetralized team of credetialed plaig professioals will provide a comprehesive review ad approval. Implemetatio Based o our thorough aalysis, we ll discuss several optios that will allow you to select the pla best suited to your goals. You ca cotact your Advisory Team to discuss possible adjustmets if your eeds chage.

4 A broad array of products ad services to address your eeds < To help provide sufficiet retiremet icome, we offer Roth ad Traditioal IRAs for supplemetal savigs, ad Keoghs ad SEP IRAs for those with self-employed icome. < To create a lifetime icome stream, you may be eligible to select a guarateed auity cotract. Our issuig compay for guarateed auities is oe of three isurace groups i the Uited States to hold the highest ratigs curretly awarded from all four leadig idepedet isurace idustry ratigs agecies.* < To effectively coordiate your differet ivestmet eeds, you ca: Set up Maaged Accouts to have professioals maage your assets ad make ivestmet decisios for you. Access brokerage services offerig virtually ulimited ivestmets, icludig stocks, bods, Exchage-Traded Fuds (ETFs), ad thousads of mutual fuds. Ivest i TIAA-CREF s wide rage of low-cost mutual fuds ad fixed ad variable auities.** Save for college tuitio usig our 529 educatio plas. Protect assets for your family usig top-rated life isurace, icludig term ad permaet coverage.* Private Asset Maagemet Cliets who have sigificat assets are eligible for expaded ivestmet maagemet services offered by the TIAA-CREF Trust Compay, FSB through our Private Asset Maagemet team. < A dedicated Portfolio Maager ca work with your Wealth Maagemet Team to develop a persoalized ivestmet solutio for you, icludig the selectio of specific idividual securities. < Our proprietary ivestmet maagemet strategies will help tailor your portfolio to address your uique circumstaces. < Other specialists o the team ca help coordiate your estate pla ad ay charitable givig. We wat to serve you. Please cotact us at , or visit wealthmaagemet. *Ratigs represet a compay s ability to meet policyholders obligatios ad claims. (See back cover for more details.) ** The expese ratio o all mutual fud products ad variable auity accouts maaged by TIAA-CREF is geerally less tha half the mutual fud idustry average. Source: Morigstar Direct (September 2011), based o Morigstar expese comparisos by category.

5 The TIAA-CREF Wealth Maagemet Differece < A highly persoalized service from a dedicated Wealth Maagemet Advisor who has access to a team of specialists i key fiacial plaig areas all workig i your best iterest < Objective advice from a trusted parter providig a comprehesive view of your fiacial situatio ad specific ivestmet recommedatios < A cetralized team of fiacial plaers who review ad approve your pla as a extra step to esure high stadards of quality ad customizatio to your persoal prefereces < A broader rage of products to address specific eeds, icludig a rage of lifetime icome optios < A persoalized fiacial pla reviewed as eeded to address your chagig circumstaces At o additioal cost to you, you ll receive the persoalized service that you would expect from a small boutique, supported by the sophisticated aalysis, research ad stability you would expect from a Fortue 100 fiacial services leader. TIAA-CREF s reputatio is based o the ucommo degree of trust you place i us. Your Wealth Maagemet Team persoifies that relatioship, embodyig the ethics ad values of TIAA-CREF, ad focusig our resources ad expertise o you. Let s get to work o your fiacial future We value the trust you have placed i us ad look forward to servig you o a more persoal level through your Wealth Maagemet Team. To lear more about how we ca serve you, please cotact us at Or, visit

6 Did you kow? < TIAA was fouded i 1918 to provide retiremet security to uiversity faculty. < Today, with more tha $400 billio i total assets uder maagemet (as of 9/30/11), TIAA-CREF is a Fortue 100 fiacial services compay ad a leadig provider of a full rage of fiacial services atiowide to 3.7 millio idividuals i the academic, medical, govermetal, research ad cultural fields. Fiacial services iclude retiremet plas, IRAs, mutual fuds, auities, brokerage services, life isurace ad 529 college savigs pla maagemet. < Sice 1918, TIAA-CREF participats have received a total of $292.3 billio i auity paymets ad other beefits.** < You ca iteract with TIAA-CREF through social media: myretiremet.org * Guarateed auities are backed by the claims-payig ability of the issuer. For its stability, claims-payig ability ad overall fiacial stregth, TIAA curretly holds the followig ratigs: A.M. Best (A++ as of 2/11), Fitch (AAA as of 6/11), Moody s Ivestors Service (Aaa as of 6/11) ad Stadard & Poor s (AA+ as of 8/11). Per S&P criteria, the dowgrade of U.S. log-term govermet debt limits the highest ratig of U.S. isurers to AA+ (the secod-highest ratig available). There is o guaratee that curret ratigs will be maitaied. Ratigs represet a compay s ability to meet policyholders obligatios ad claims ad do ot apply to variable auities, mutual fuds or ay other product or service ot fully backed by TIAA s claims-payig ability. ** As of December 31, Other beefits from TIAA ad CREF iclude: Additioal amouts paid o TIAA Traditioal auity cotracts above the guarateed rate, surreder beefits ad other withdrawals, death beefits, health isurace ad disability isurace beefits, ad all other policy proceeds paid. Cosider the ivestmet objectives, risks, charges ad expeses carefully before ivestig. Please call or go to for a prospectus that cotais this ad other iformatio. Please read the prospectus carefully before ivestig. Ivestmet, isurace ad auity products are ot FDIC isured, are ot bak guarateed, are ot bak deposits, are ot isured by ay federal govermet agecy, are ot a coditio to ay bakig service or activity, ad may lose value. Advice ad Plaig Services, a divisio of TIAA-CREF Idividual & Istitutioal Services, LLC, a Registered Ivestmet Adviser. TIAA-CREF Idividual & Istitutioal Services, LLC, ad Teachers Persoal Ivestors Services, Ic., distribute securities products. TIAA-CREF Trust Compay, FSB provides ivestmet maagemet ad trust services. Auity cotracts ad certificates are issued by Teachers Isurace ad Auity Associatio (TIAA) ad College Retiremet Equities Fud (CREF), New York, NY Teachers Isurace ad Auity Associatio-College Retiremet Equities Fud (TIAA-CREF), New York, NY C2323 A11269 (12/11)