Advisors Working with Individuals

Retirement Plans

For nearly 100 years, TIAA-CREF has worked with more non-profit institutions than any other company to successfully see their employees to and through a financially secure retirement. We are a Fortune 100, full-service organization that focuses exclusively on the needs of institutional clients in the academic, research, medical, governmental and cultural fields. TIAA-CREF is a leading provider of retirement plans for universities and other education-oriented institutions, healthcare organizations, and K-12 institutions, and is the nation's largest provider of defined contribution plans using traditional and variable annuities for individuals.

Our open architecture investment platform, combined with our proprietary mutual funds and annuities, is designed to offer asset accumulation and lifetime income choices side-by-side on a single platform. We provide award-winning investment management and long-term performance, offering low-cost, in-plan annuities coupled with a history of financial strength and claims-paying ability that is unparalleled in the industry.


For Institutions

K-12

Comprehensive retirement solutions for the public and private K-12 market, offered at a competitive price.

Connections

A TIAA-CREF Retirement Plan Solution designed to connect growing not-for-profit organizations with a competitively priced, easy to administer retirement plan.


For Individuals

Which IRA is right for your client?

Traditional IRA

  • Contributions are tax deductible (for most people)
  • Subject to income taxes only at the time of withdrawal
  • May save on taxes today by deferring them until retirement


Suited to individuals who:

  • Will be in a lower tax bracket during retirement
  • May need money before age 59½

Roth IRA

  • Contributions are not tax-deductible
  • Earnings accumulate tax-free and qualified withdrawals are tax-free
  • No tax deduction now but no tax consequences at withdrawal


Suited to individuals who:

  • Will be in a higher tax bracket during retirement
  • Want to retrieve original contributions before retirement
  • Are age 70½ or older and want to keep investing in an IRA
  • Would like to leave assets to heirs

SEP IRA

  • Designed for anyone with self-employment income
  • Can help reduce taxable income
  • Suited to individuals who:
    • Are self-employed
    • Are small business owners


You can feel confident recommending our IRA options to your clients because we offer:

  • Investment choice — select from more than 10,000 investment choices
  • Low costs1 — expenses on our mutual funds and annuities are generally less than half the industry average, so more of your clients’ money can work for them
  • Portability — because the IRA is not tied to any employer, clients can take them along wherever they go


Learn how we can help you help your clients with our IRAs today.

Advisor Services Hotline:

Monday – Friday 8:00AM to 7:00 PM ET

Call us at 888 842-0318

Advisor Services Territory Team

Download the advisor map (PDF) to locate an advisor services representative near you.

Asset Management Capabilities

Learn more about our Asset Management capabilities.

Recognition & Ratings

Not all retirement plan providers were created equal.

See industry awards TIAA-CREF has earned .

Learn More

Visit TIAA-CREF.org for more reasons to work with us.

C0000011353