TIAA wealth management solutions
Pursue your goals with solutions from TIAA Wealth Management
Whether you're saving for a big expense or planning for retirement, we have a wide range of comprehensive solutions to support your needs.
Overview
Put your money to work
Build a personalized investment portfolio—use a self-directed option or let us do the heavy lifting with a managed account.
Customize your investments to your life
Your life is unique, and so are your financial goals. Our product range is designed to flex and grow as your needs change.
Do it yourself or let us help
Invest on your own with our self-directed products or choose a managed account and let us do the work.
Create a comprehensive financial plan
With our solutions, you can design a comprehensive approach that aligns your personal wealth management solutions with your retirement planning.
Featured investment services
We offer an array of wealth solutions
Build and adjust your portfolio based on your goals. Do it yourself, ask us for help or let us fully manage it on your behalf.
IRAs
Save more for retirement—and maybe save on taxes, too.
- Five account types including Roth and traditional IRAs
- Wide range of investment options with complimentary advice
- No account fees or minimums
Managed Accounts
Let professionals handle your investments.
- Investments personalized to your financial plan
- Continual investment management
- A team of specialists led by your dedicated TIAA Financial Advisor
TIAA MyChoice MYGA
A fixed rate of return for time periods of your choice.
- Competitive, fixed interest rates providing steady growth
- Term periods of 3, 5, and 7 years
- Ability to convert into lifetime income
TIAA IRAs
IRAs: Take charge of your retirement
Save outside your workplace plan or consolidate savings from previous employers and other qualified accounts in a single place (no limits on rollover amounts).
Traditional IRA
Grow your savings, defer taxes.
- Tax-deductible contributions
- A wide array of investments
- Complimentary advice and support
Roth IRA
Tax-free withdrawals. Tax-free earnings.
- Earnings grow tax-free
- Withdraw contributions anytime without taxes or penalties
- Simple qualifications
Roll over to an IRA
We make it simple, with zero costs or fees.
- Eliminate overlapping costs and pay no annual account fee
- No minimums
- Professional advice
Inherited IRA for beneficiaries
Make the most of your inherited IRA.
- Beneficiary can open account after owner passes
- Options for tax-deferred growth and withdrawals
IRAs for small businesses
Even small businesses can offer retirement plans.
- Designed for small businesses with 100 or fewer employees
- Allows employers and employees to contribute
Minor IRA for kids earning income
Help the kids in your life invest early.
- Income-earning children can contribute
- Funds can compound over a lifetime with the same tax benefits as other IRAs
Investment options
Money management your way: Do it yourself, or let our financial experts do it for you
Choose whether you want to invest on your own with a self-directed account or with our team of managed-account professionals working for you.
Managed accounts
Get personalized portfolio management from TIAA.
- A personal advisor and a team of dedicated professionals
- Continual monitoring and management on your behalf
- Quarterly performance reports
Brokerage
Do-it-yourself investing: your portfolio, your goals, your style.
- You’re in control of your investment decisions
- Get up-to-date financial news and investment research
- 4,000+ no transaction fee mutual funds
529
Save for educational goals, and get additional benefits.
- Tax-deferred earnings
- Tax-free qualified withdrawals
- Use for more than just tuition
TIAA MyChoice MYGA
Guaranteed returns, flexible choices, lifetime income.
- Lock in fixed rates for 3, 5, or 7-year terms
- Tax-deferred compounding accelerates savings
- Option to convert balance to lifetime income
Personal trust services
Protect your legacy and family harmony.
- Impartial administration preserving important family relationships
- Expert management of complex trustee responsibilities
- Professional fiduciary services reducing personal liability risks
Estate settlement services
Ease the burden during difficult transitions.
- Trusted expertise protecting individuals from financial risks
- Comprehensive services for asset management and tax strategy
- Support for beneficiaries during complex settlement challenges
Institutional trust services
Empowering organizations that make a difference.
- Specialized fiduciary services for nonprofits and educational institutions
- Mission-driven approach advancing your organization's impact
- Five-step fiduciary process ensuring lasting outcomes
Additional services
Complete your financial plan beyond investments
Your TIAA advisor can help you identify gaps in your plan and connect you to specialists who can review insurance coverage, health savings strategies, and liquidity solutions that complement your investment portfolio.
Insurance
Add risk management to your financial plan.
- Life, long-term and disability insurance
- A range of best-in-class providers and plans
- Protection from unexpected expenses
Health Savings Account
A tax-advantaged way to save and pay for health expenses – now and in retirement.
- Use for qualified medical expenses
- Keep more with tax-deferred growth
- No “use it or lose it” restrictions
Securities-Backed Line of Credit
Access liquidity without disrupting your investment strategy.
- Flexible funding for major expenses
- Use your taxable investment account as collateral
- Revolving line of credit through The Bancorp
Work with one of our wealth management financial advisors
Starting your career or savings?
Get personalized financial advice from our Guided Advice Team to help make a plan for a secure future.
Eligibility: $100K–$250K in investments outside your employer-sponsored retirement plan
Mid-career and looking for advice?
Get a dedicated advisor for guidance on your investments and to create a personal financial plan.
Eligibility: $250K–$1M in investments outside your employer-sponsored retirement plan
Approaching retirement?
Get unparalleled service from a dedicated team of specialists to guide you into retirement by creating an income, legacy and tax plan.
Eligibility: $1M in or outside of your employer-sponsored plan
Need more information?
Schedule a complimentary meeting with one of our team members or consultants to answer all your questions and advise on next steps.
Call 844-567-9077, or schedule a time with us.
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 individual’s own objectives or circumstances which should be the basis of any investment decision.
We do not charge you a separate fee for the Planning Services, but reserve the right to do so in the future. However, TC Services, its financial professionals and TIAA affiliates receive compensation if you choose an account, product, or buy or sell securities we recommend after receiving the Planning Services. You will pay the fees and costs associated with the account, product, purchase or sale.
TIAA managed account services provide discretionary investment management services for a fee.
Please read the Plan Description on www.tiaa.org/529 carefully prior to investing, for details on its investment objectives, risks, charges and expenses, and whether your home state offers tax or other benefits such as financial aid, scholarship funds, or protection from creditors for investing in its own 529 plan. More information about municipal fund securities is available in the issuer’s Plan Description. TIAA-CREF Tuition Financing, Inc. (TFI) is the Plan Manager for several state 529 plans, and TIAA-CREF Individual & Institutional Services, LLC, Member FINRA, is the distributor and underwriter for those plans.
TIAA Trust, N.A. provides investment management, custody and trust services. Advisory services provided by Advice & Planning Services, a division of TIAA-CREF Individual & Institutional Services, LLC, a registered investment adviser.
TIAA Trust, N.A. (“TIAA Trust”) and TIAA-CREF Individual & Institutional Services, LLC (“TC Services”) have established a referral arrangement with a third-party lender, The Bancorp, to provide certain of our clients with the option to establish a securities-backed line of credit. TIAA Trust and TC Services are not the lenders and provide lending referrals for securities-backed lines of credit to The Bancorp solely as an accommodation to its clients.