Tiaa in-plan advice
Personalized financial advice at no extra cost.
TIAA participants receive complimentary financial advice. You can do it yourself with our digital experience, or talk to a TIAA Financial Consultant. Either way, you’ll get recommendations on saving, investing, planning for retirement and more.
Advice overview
Financial readiness starts with advice.
Customized to you
Boost your confidence with advice based on your unique circumstances and goals.
No added cost
We believe everyone should have the knowledge to take control of their finances. That’s why advice is part of the services we provide you—not an add-on.
Focused on advice
Our recommendations are based on expertise from an independent, third-party advice firm.
Financial advice options
When it comes to advice, you’ve got options.
Digital experience
Option 1: On-demand help right here, at tiaa.org and on the TIAA app.
Answer a few questions about you and your goals and we’ll help you work toward them.
If you prefer digital advice, visit Retirement Journey Planner, our online experience.
Our self-guided digital experience can help you create and implement a strategy to pursue your retirement goals.
For: TIAA participants1
Fees: None
What you get: A complete, individualized plan for retirement, from how much to contribute to which investments to choose.1
How to start: Visit tiaa.org/RetirementJourneyPlanner, find it in the TIAA mobile app, or click the button below.
Your advice is personalized to you.
To start, you’ll fill out a form that tells us about you, your goals and your financial situation so we can make a recommendation that's personalized to your unique needs and situation.
Get a complete financial strategy.
After learning about you, Retirement Journey Planner will give you a personalized retirement financial strategy including how much to save, how to invest, when to retire, a retirement income estimate and more.
Choose your next steps.
You can implement many recommendations immediately, speak to a consultant for assistance or choose a different path.
Live meeting
Option 2: One-on-one advice from our people.
Information and advice to point you in the right direction.
If you prefer to interact with a person, speak to a TIAA Financial Consultant.
Meet with a financial consultant for an in-depth assessment and personalized retirement advice.
For: TIAA participants1
Fees: None
What you get: A conversation with a TIAA Financial Consultant, who can offer advice, strategies and recommendations based on your individual needs and circumstances.
How: To schedule an appointment, call (800) 842-2252 weekdays, 8 a.m. - 10 p.m. (ET), or use our meeting scheduler tool.
Collaborate with your consultant.
Our consultants will ask questions about you, your goals and financial situation and, working together, you’ll create a financial plan that fits your unique needs.
Meet via video or in-person.
You can speak to us on a video call or in person, either on your employer’s site (where available by the plan) or at your local TIAA office.
Choose your next steps.
Your consultant can help you implement suggestions, you can do it yourself online or you can decide to do something different. We’re consultants, not salespeople.
Advisor spotlight
“Personally, I lost my father at a young age and watched my mother struggle as she was unprepared for retirement. Every client has the right to a dignified retirement and it’s an awesome responsibility to be able to help them on that journey.”
Sean McAlister
Director, Individual Financial Counseling
How it works
Get the most out of your advice session.
Here’s how to prepare and what to expect during your advice session.
Gather your documents.
Prepare for your session by gathering your financial documents, including bank statements, current investments and retirement plans. If you don’t have all of these, don’t worry—grab what you can.
Ask questions, get answers.
If you’re meeting with a consultant, come with questions. For example,
- Am I ready for retirement?
- Am I saving enough?
- Are my savings appropriately invested to help me reach my goals?
- Should I move outside investments into my TIAA account?
Make updates.
You can implement changes at the end of your session, wait and implement them later, or decide to do something different. We're here to provide education and advice; you make the final decisions.
Wealth management
Looking for holistic financial planning and advice? You may qualify for a dedicated financial advisor. Explore wealth management options.2
For those with additional financial needs, our wealth management team may be able to help.
Resources
Want to learn more? We’ve got you covered.
Webinar: Tips for working with a financial professional.
Learn how a financial consultant can help you prioritize your goals, choose your investments and more.
Why work with a financial consultant?
Learn how a free advice session with a TIAA financial consultant can help you on your journey to a more secure retirement.
What people ask us.
How do I schedule a meeting?
To schedule an appointment, call (800) 842-2252 weekdays, 8 a.m. - 10 p.m. (ET), or use our online meeting scheduler tool.
What do I need to bring?
To provide a clear picture of your finances, bring to your session:
- A list of questions
- Checking and savings account balances
- Investment account statements
- Debt information
- Details on any other retirement accounts (if you have any)
If you don’t have all of these, don’t worry—grab what you can.
Does it cost anything?
Financial advice at no additional cost is one of the many benefits available to most TIAA participants. We believe everyone should have the knowledge to take control of their finances. That’s why advice is part of the service we provide you—not an add-on.
We’re here to help.
Have more questions? To schedule an appointment, call (800) 842-2252 weekdays, 8 a.m. - 10 p.m. (ET), or use our online meeting scheduler tool.
1 Investment advice available if authorized by your plan.
2 Wealth Management Advisors provide Individual Advisory Services on a fee-for-services charge to the employee and are provided by Advice & Planning Services, a division of TIAA-CREF Individual & Institutional Services, LLC, a registered investment adviser. Individual Advisory Services may not be available to all participants.
This material is for informational or educational purposes only and is not fiduciary investment advice, or a securities, investment strategy, or insurance product recommendation. This material does not consider an individualʼs own objectives or circumstances which should be the basis of any investment decision. The TIAA group of companies does not provide legal or tax advice. Please consult your legal or tax advisor.
The advice provided by TIAA Financial Consultants is obtained using an advice methodology from an independent third-party.
The TIAA Retirement Journey Planner is a brokerage service provided by TIAA-CREF Individual & Institutional Services, LLC, a registered broker-dealer, Member FINRA, SIPC.
IMPORTANT: The projections or other information generated by Retirement Journey Planner regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. Results may vary with each use and over time.
©2025 Teachers Insurance and Annuity Association of America-College Retirement Equities Fund, 730 Third Avenue, New York, NY 10017