1 d
Tiaa cref retirement login?
Follow
11
Tiaa cref retirement login?
Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY. Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY. ‒ Direct Connect: Up to 7 months of retirement and trust account transactions are available. Access TIAA secure login here. We'll also need the date the person passed away We may need to reach out to you to verify some details, so we ask that you share your name, phone number, email address and relationship with the individual who has died Notification of Death. What to know about inheriting retirement accounts and other assets. TIAA-CREF Individual & Institutional Services, LLC, Member FINRA and SIPC, distributes securities products. If you are preparing to retire at 50, you will need to ensure that you have a thorough understanding of your financial needs and the income sources that will sustain you for the ne. 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. Retirement Plan Portfolio Manager provides investment advice on your retirement portfolio based on your goals and needs. While the decision of when to retire is personal to you, it may help to know when people typically retire. Each is solely responsible for its own financial condition and contractual obligations. Click the browser icon below to get the latest version. SIPC only protects customers' securities and cash held in brokerage accounts. Click the browser icon below to get the latest version. Retirement Plan Portfolio Manager provides investment advice on your retirement portfolio based on your goals and needs. Call us at 800-842-2252 or find the nearest TIAA office This material is for informational or educational purposes only and does not constitute a recommendation or investment advice in connection with a distribution, transfer or rollover, a purchase or sale of securities or other investment property, or the management of securities. Step 3: In general, RMDs must be taken separately for each of your accounts. Your contract number is either your TIAA number, your CREF number or your TIAA Mutual Fund Account number. Each is solely responsible for its own financial condition and contractual obligations. You've received funds from your retirement account(s) from either a single request for cash or periodic request for cash. Learn ways to save and invest to help you prepare for your retirement. Each is solely responsible for its own financial condition and contractual obligations. Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY. We now provide a total portfolio view of all of your TIAA accounts and a summary of payments received over the past two (2) years. A pension is one of the most common types of retirement benefits There are steps you can take if you’re ready to retire but your bank account and financial statements tell you that you still have to work. The TIAA group of companies does not provide legal or tax advice. Even if your plan doesn't allow cash distributions, you can withdraw your entire retirement savings if your TIAA Traditional Account value does not exceed $2,000 and your overall account balance is below a limit set by your employer's plan (either $1,000 or $5,000). Click the browser icon below to get the latest version. We would like to show you a description here but the site won’t allow us. based on your priorities. Easily manage your TIAA-CREF retirement plan account. The TIAA group of companies does not provide legal or tax advice. Use the “Upload Files” button to get started. Retirement Plan and Individual Retirement Account (IRA) 800 842-2252. For most of the past century, it was a nonprofit organization that. Financial services, financial well-being, financial products, and life insurance services. An IRA rollover 1 is the process of transferring funds from an employer-sponsored retirement plan, often a 401(k) or 403(b), into an IRA retirement account. Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY. Flexible spending accounts (FSAs), dependent care assistance programs (DCAPs), health reimbursement arrangements (HRAs), Commuter and Parking Benefits, Tuition. Each is solely responsible for its own financial condition and contractual obligations. TIAA is a leading provider of retirement and savings plans. The financial literacy knowledge and we. (Video) How To Get Your Money Out of TIAA-CREF. These contracts are designed for retirement or other long-term goals, and offer a variety of income options, including lifetime income. The TIAA group of companies does not provide legal or tax advice. Limitations on Transferring Money Online Retirement Planning Tool. Optum Financial is advancing the way people save, spend, pay and invest for health care Fees may reduce earnings on account. TIAA-CREF Individual & Institutional Services, LLC, Member FINRA, distributes securities products. Update your TIAA account beneficiaries Change, add, or remove the beneficiaries on your TIAA account(s) (TIAA) and College Retirement Equities Fund (CREF), New York, NY. SIPC only protects customers' securities and cash held in brokerage accounts. SIPC only protects customers' securities and cash held in brokerage accounts. We would like to show you a description here but the site won't allow us. The TIAA group of companies does not provide legal or tax advice. For most of the past century, it was a nonprofit organization that. Each is solely responsible for its own financial condition and contractual obligations. Access TIAA secure login here. Click the browser icon below to get the latest version. Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY. TIAA and Nuveen assets under management as of 3/31/2023 are $1,240B or $1 3. There are a number of free retirement planning tools out there. What to know about inheriting retirement accounts and other assets. 1 Higher rates may lead to higher account balances and more retirement income for you. Investment decisions should be made. Each is solely responsible for its own financial condition and contractual obligations. 1. In general, TIAA accounts and contracts cannot be assigned to someone other than the account or contract holder. SIPC only protects customers' securities and cash held in brokerage accounts. Use this deposit ticket to apply funds to your TIAA-CREF Funds Mutual Fund account(s) by mail or drop off at one our TIAA offices near you. Calculators Helpful Gui. TIAA accounts enable you to view balances, manage investments, and get advice. 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. Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY. 2 Morningstar ratings are based on each mutual fund (institutional share class) or variable annuity account's (lowest cost) share class and include U open-end mutual funds, CREF Variable. TIAA does not monitor your retirement assets on an ongoing basis, nor does TIAA update your information on this tool to reflect changes in your personal circumstances. MONDAY - FRIDAY, 8 AM - 10 PM (ET) Wealth Management Services MONDAY - FRIDAY, 8 AM - 10 PM (ET) Brokerage Services The app provides quick and secure access to all your TIAA finances, and puts 100 years of top money management into the palm of your hand. The TIAA group of companies does not provide legal or tax advice. Authorize a 1035 Exchange from the TIAA Real Estate or TIAA Traditional account to the CREF accounts or from the CREF accounts to the TIAA Traditional or TIAA Real Estate accounts. We would like to show you a description here but the site won't allow us. Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY. If you are preparing to retire at 50, you will need to ensure that you have a thorough understanding of your financial needs and the income sources that will sustain you for the ne. Indices Commodities Currencies Stocks TIAA-CREF LIFESTYLE GROWTH FUND RETIREMENT CLASS- Performance charts including intraday, historical charts and prices and keydata. Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY. We now provide a total portfolio view of all of your TIAA accounts and a summary of payments received over the past two (2) years. 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. The TIAA group of companies does not provide legal or tax advice. The browser you're using is outdated and may cause issues when using the site. long white pill with es on it Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY. Retirement Plan Portfolio Manager is an optional service for professional account management. Your plan statements are published electronically. Each is solely responsible for its own financial condition and contractual obligations. Click the browser icon below to get the latest version. After retirement you can start withdrawing. Each is solely responsible for its own financial condition and contractual obligations. The browser you're using is outdated and may cause issues when using the site. Each is solely responsible for its own financial condition and contractual obligations. Each is solely responsible for its own financial condition and contractual obligations. 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. TIAA has rewarded participants who save in contracts where benefits are paid in installments over time instead of in an immediate lump sum by crediting higher interest rates, typically 075% higher. Download form Download form Opens in new window; We're here to help. Each is solely responsible for its own financial condition and contractual obligations. TIAA does not monitor your retirement assets on an ongoing basis, nor does TIAA update your information on this tool to reflect changes in your personal circumstances. Click the browser icon below to get the latest version. TIAA-CREF Individual & Institutional Services, LLC, Member FINRA and SIPC, distributes securities products. SIPC only protects customers' securities and cash held in brokerage accounts (TIAA) and College Retirement Equities Fund (CREF), New York, NY The TIAA group of companies does not provide legal or tax advice. TIAA, or the Teachers Insurance and Annuity Association, is a financial services organization that manages retirement accounts for people working in teaching, research, medicine and government jobs. SIPC only protects customers? securities and cash held in brokerage accounts. Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY. nfl replays Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY. TIAA-CREF Individual & Institutional Services, LLC, Member FINRA, distributes securities products. TIAA IRA features include: TIAA and CREF annuities—Access the core TIAA retirement platform including TIAA and CREF Annuities available at some of the lowest costs in the industry. Read the TIAA-CREF Individual & Institutional Services, LLC, Statement of Financial Condition. 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. performance and W change your inves. Click the browser icon below to get the latest version. Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY. Learn ways to save and invest to help you prepare for your retirement. 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. Each is solely responsible for its own financial condition and contractual obligations. Easily add a new or update existing beneficiary information in just a few steps: Log in to your account Opens in a new window on TIAA. Please consult your tax or legal advisor to address your specific circumstances. brian sheth haveli TIAA Traditional* Variable. Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY. University of Michigan offers this plan as part of workplace benefits. For information about retirement plans, annuities, IRAs and 529 education savings. org and select My profile in the top right corner. As you save: Guaranteed, predictable growth 7 that isn't affected by market performance Opportunity for long-term growth based on market performance In retirement: Guaranteed monthly checks for life, even in market downturns Call us at 800-842-2252 or find the nearest TIAA office This material is for informational or educational purposes only and does not constitute a recommendation or investment advice in connection with a distribution, transfer or rollover, a purchase or sale of securities or other investment property, or the management of securities. After a divorce, if there is a loan in the retirement account, there will be restrictions on TIAA’s ability to split those balances if needed to secure the loan. Each is solely responsible for its own financial condition and contractual obligations. Click the browser icon below to get the latest version. SIPC only protects customers' securities and cash held in brokerage accounts. Please mail Variable Universal Life premium payments to: TIAA-CREF Life Insurance Service Center P Box 933523 Atlanta, GA 31193-3523. tates contact Vanguard at 610-669-1000. In general, TIAA accounts and contracts cannot be assigned to someone other than the account or contract holder. We would like to show you a description here but the site won't allow us. Click the browser icon below to get the latest version. These withdrawals are not available from TIAA Traditional Account balances. Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY. How do I withdraw money from my TIAA-CREF account? You can review your required minimum distributions by logging in to your account from the My Account tab.
Post Opinion
Like
What Girls & Guys Said
Opinion
19Opinion
SIPC only protects customers' securities and cash held in brokerage accounts. And it integrates online with TIAA accounts you may already have. Each is solely responsible for its own financial condition and contractual obligations. SIPC only protects customers' securities and cash held in brokerage accounts. Want to talk? Authorize a 1035 Exchange from the TIAA Real Estate or TIAA Traditional account to the CREF accounts or from the CREF accounts to the TIAA Traditional or TIAA Real Estate accounts. Plus, Florida residents get branch access too! The College Investor Student Loans, Inv. Enroll or update Opens in new window Jefferson offers this plan as part of workplace benefits. Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY. (CREF), New York, NY. Reinvest Reinvest Opens in new window Request distribution from your 457(b) government plan SIPC only protects customers' securities and cash held in brokerage accounts. By accessing this site, I agree: any transactions or authorizations that I perform through this site will be executed as if I had provided written, signed authorization to do so; and use of the site is subject to TIAA policies, including the TIAA Information Security Policy and TIAA Confidential Information Policy. TIAA-CREF Individual & Institutional Services, LLC, Member FINRA and SIPC, distributes securities products. 2) The ticker symbol and/or price may be incorrect. 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. Click on the ACTIONS tab at the top of the page and choose "Upload Documents". Each is solely responsible for its own financial condition and contractual obligations. Update your TIAA account beneficiaries Change, add, or remove the beneficiaries on your TIAA account(s) (TIAA) and College Retirement Equities Fund (CREF), New York, NY. SIPC only protects customers? securities and cash held in brokerage accounts. Flexible spending accounts (FSAs), dependent care assistance programs (DCAPs), health reimbursement arrangements (HRAs), Commuter and Parking Benefits, Tuition. The Estimated Payments are not guaranteed; they are an estimate based upon these hypothetical assumptions: declared interest earnings of 4% during accumulation; once lifetime income begins, we use 3. American Airlines will retire mo. Enter amounts to the nearest dol. You must complete a separate form for each account that you are transferring or rolling over to TIAA. russia2lit Here at Investor Junkie, we ta. Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY. If your plan allows it, you can withdraw money online. The TIAA mobile app includes: Security - Use your password, Touch ID, or Face ID to log in. The browser you're using is outdated and may cause issues when using the site. TIAA-CREF Individual & Institutional Services, LLC, Member FINRA and SIPC , distributes securities products. Each is solely responsible for its own financial condition and contractual obligations. Click the browser icon below to get the latest version. TIAA-CREF Individual & Institutional Services, LLC, Member FINRA and SIPC, distributes securities products. However, if you have multiple 403(b) accounts. Each is solely responsible for its own financial condition and contractual obligations. 800-842-2252. These contracts are designed for retirement or other long-term goals, and offer a variety of income options, including lifetime income. Limited periodic option. Click the browser icon below to get the latest version. Find out the benefits of a Traditional IRA, and compare other IRA options TIAA-CREF Life Insurance Company is domiciled in New York, NY, with its principal place of business in New York, NY. Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY. TIAA-CREF Individual & Institutional Services, LLC, Member FINRA, distributes securities products. SIPC only protects customers' securities and cash held in brokerage accounts. colored p80 frames Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY. TIAA-CREF Individual & Institutional Services, LLC, Member FINRA, distributes securities products. However, if you have multiple 403(b) accounts. Even if your plan doesn't allow cash distributions, you can withdraw your entire retirement savings if your TIAA Traditional Account value does not exceed $2,000 and your overall account balance is below a limit set by your employer's plan (either $1,000 or $5,000). Access TIAA secure login here College Retirement Equities Fund, New York, NY 10017. 888-842-0318 Weekdays, 8 a – 6 p (ET) advisorretirement@tiaa 1 Fee arrangements vary based on such factors as services provided, plan sponsor preferences and plan economics. As you switch jobs or retire, an IRA rollover allows you to keep potential tax benefits and move funds to an account that can offer more investment options and flexibility than many employer. By clicking "TRY IT", I agree to receive newsletters and promotions from Money and its partners Our Missouri retirement tax friendliness calculator can help you estimate your tax burden in retirement using your Social Security, 401(k) and IRA income. Each is solely responsible for its own financial condition and contractual obligations. 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. 1. The TIAA group of companies does not provide legal or tax advice. Investment decisions. Many things would make me happier and healthier: working less, regular spa treatments, a personal trainer. Click the browser icon below to get the latest version. Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY. Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY. Access TIAA secure login here. Your plan may distribute your entire balance if the value does not exceed $2,000. Retirement Plan Portfolio Manager provides investment advice on your retirement portfolio based on your goals and needs. Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY. Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY. Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New. hard on pills SIPC only protects customers' securities and cash held in brokerage accounts. What to know about inheriting retirement accounts and other assets. The browser you're using is outdated and may cause issues when using the site. TIAA-CREF Retirement Healthcare Savings Plan; Back to main menu Plan overview. Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY. After retirement you can start withdrawing. The TIAA group of companies does not provide legal or tax advice. 1 Applies to mutual fund and variable annuity expense ratios. What's on this page: Get started. CREF's insurance expense at 0. Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY. Investment decisions. Next, select Change My Investments and choose the IRA TIAA-CREF Life Insurance Company is domiciled in New York, NY, with its principal place of business in New York, NY. Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY. Easily manage your TIAA-CREF retirement plan account. Each is solely responsible for its own financial condition and contractual obligations. Each is solely responsible for its own financial condition and contractual obligations. Please consult your tax or legal advisor to address your specific circumstances.
Payments from the variable annuity accounts are not guaranteed and will rise or fall based on investment performance. 1 Annuity Account options are available through contracts issued by TIAA or CREF. Register Opens in new window TIAA-CREF Individual & Institutional Services, LLC, Member FINRA and SIPC, distributes securities products. Click the browser icon below to get the latest version Google Chrome (Previously Internet Explorer) Safari Continue with existing browser Click the browser icon below to get the latest version. This managed account is an optional service with professional oversight and a systematic, disciplined approach to managing your money. urbieta oil The browser you're using is outdated and may cause issues when using the site. Important information from Baylor University Need to fill a gap in retirement? We'll estimate the monthly payment you can expect from an annuity based on the amount you put in upfront. Then strive to increase that amount by putting raises toward it and small annual increases. Each is solely responsible for its own financial condition and contractual obligations. 6.30 pm ist to est SIPC only protects customers' securities and cash held in brokerage accounts. (TIAA) and College Retirement Equities Fund (CREF), New York, NY. For all other Life Insurance policy types, please mail premium payments to: TIAA-CREF Life Insurance P Box 6137 SIPC only protects customers' securities and cash held in brokerage accounts. Step 3: In general, RMDs must be taken separately for each of your accounts. There are withdrawal rules to understand before taking any money out of your 401(k), even after you retire. medium titts Click the browser icon below to get the latest version. Learn ways to save and invest to help you prepare for your retirement. SIPC only protects customers? securities and cash held in brokerage accounts. Each is solely responsible for its own financial condition and contractual obligations. How can you save for retirement when your job doesn’t offer a 401(k)?. The review mentions the usefulness of TIAA Direct checking account, especially for large deposits as the rates are higher. Each is solely responsible for its own financial condition and contractual obligations.
After retirement you can start withdrawing. Access TIAA secure login here. Easily manage your TIAA-CREF retirement plan account. For me, I limit the illiquid version to 1/3 of my TIAA Traditional. Access TIAA secure login here. Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY. Click the browser icon below to get the latest version. Source: Morningstar Direct, June 30, 2023. The financial literacy knowledge and we. The TIAA group of companies does not provide legal or tax advice. TIAA-CREF Individual & Institutional Services, LLC, Member FINRA, distributes securities products. If 10-15% is an amount you can't afford right now, contribute as much as you can comfortably afford. The browser you're using is outdated and may cause issues when using the site. Click the browser icon below to get the latest version. Easily manage your TIAA-CREF retirement plan account. Learn ways to save and invest to help you prepare for your retirement. There are a number of free retirement planning tools out there. Please check your quarterly statement for outstanding loan information. SIPC only protects customers' securities and cash held in brokerage accounts. reaction rob squad The TIAA mobile app includes: Security - Use your password, Touch ID, or Face ID to log in. The TIAA group of companies does not provide legal or tax advice. 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. Each is solely responsible for its own financial condition and contractual obligations. Access TIAA secure login here. Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY. Indices Commodities Currencies Stocks TIAA-CREF LIFESTYLE CONSERVATIVE FUND RETIREMENT CLASS- Performance charts including intraday, historical charts and prices and keydata. Its California Certificate of Authority number is 6992. Your plan may distribute your entire balance if the value does not exceed $2,000. TIAA-CREF Life Insurance Company is domiciled in New York, NY, with its principal place of business in New York, NY. SIPC only protects customers' securities and cash held in brokerage accounts. What to know about inheriting retirement accounts and other assets. kijiji ontario musical instruments Guarantees are subject to TIAA's claims-paying ability TIAA and Nuveen assets under management as of 3/31/2023 are $1,240B or $1 TIAA-CREF Individual & Institutional Services, LLC, Member FINRA, distributes securities products. Click the browser icon below to get the latest version. Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY. Retirement Plan and Individual Retirement Account (IRA) 800 842-2252 MONDAY - FRIDAY, 8 AM - 10 PM (ET) TIAA Bank is a division of TIAA-CREF Trust Co, FSB SIPC only protects customers' securities and cash held in brokerage accounts. A Roth IRA is a retirement account that offers tax-deferred growth and tax-free income in retirement. Source: Morningstar Direct, December 31, 2015. For assistance with the online enrollment portal, please contact the Johns Hopkins University Retirement Center at TIAA at 888-200-4074, Monday to Friday 8 a-10 p (ET) and Saturday 9 a-6 p (ET). The browser you're using is outdated and may cause issues when using the site. TIAA-CREF Individual & Institutional Services, LLC, Member FINRA, distributes securities products. r monthly expense worksheet and cannot be filled in manually. Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY. Retirement paycheck refers to the annuity income received in retirement.