Preparing for retirement

This interactive experience can help bring your vision into focus, provides educational information to guide you through the big decisions and help you to develop your retirement planning know-how.

It starts with your story

Five years or so from retirement? Let us put you in the picture.

Just tell us your interest, lifestyle and finances—we'll give you a snapshot of your income readiness, provide some information to consider, show you a timeline of key events, and more.

How to Prepare

Take these steps to prepare for a conversation about an income plan

Step One Put yourself in a retirement frame of mind
Step Two Understand the unique risks in retirement
Step Three Brush up on Social Security and Medicare
Step Four Learn about annuity options

See how other people did it.

We created hypothetical composite income profiles based on experiences of real customers to showcase different types of retirement considerations.

The long-term planners

Al & Sarah
Stable financial situation, conservative, long-term planners who are nearing retirement.

Conservative & semi-retired

Pam & John
Financially stable, conservative, long-term planners who are semi-retired.

Financially limited

Retired, financially limited, and a moderate risk taker.

The moderate risk taker

Retired, financially stable, moderate-aggressive risk taker.

Nervous Nellies

Clara & Eduardo
Nearing retirement, financially stable, nervous about market volatility.

The aggressive risk takers

Frank & Pete
Nearing retirement, financially limited, aggressive risk takers.
Next Steps

How TIAA can help


We can recommend annuity options to help you realize your retirement lifestyle

Investment strategies

We can help you align your asset allocation with your long-term income needs

Retirement Income Planning

We can help you create a retirement income strategy that factors in your goals and concerns
Take action

Consider getting started

Give us a call

We’re here to help.Weekdays, 8 a.m. – 7 p.m. (ET)

Schedule a call

Tell us when to call you.

Start your Profile

Log in and start your retirement profile.
The Preparing for Retirement tool provides education about the retirement process, and includes examples based on a composite of random TIAA clients. In making the tools and information available to you, we assume that you are capable of evaluating the information and exercising independent judgment over your investments and do not need or intend to rely on our advice or recommendations. You should not buy or sell any security or other investment property without first considering whether it is appropriate for you based on your own particular situation based on your independent determination. TIAA-CREF Individual & Institutional Services, LLC will not perform any suitability or other analysis to check, for example, whether a security or other investment property you select through this tool is consistent with your investment objectives. If you need or want advice or recommendations in choosing investments, please call us at 800-842-2252. We are here to help.
Investment, insurance and annuity products are not FDIC insured, are not bank guaranteed, are not deposits, are not insured by any federal government agency, are not a condition to any banking service or activity, and may lose value. Annuities are subject to the claims paying ability of the issuer.
Certain products and services may not be available to all entities or persons.
TIAA-CREF does not provide legal or tax advice. Please consult your tax and legal advisors to address your specific needs and circumstances.
Please note that TIAA-CREF is not responsible for the content or privacy policies of third-party sites that may be referenced in this article or to which you may link from this article. TIAA-CREF does not endorse or recommend the products, services, or information found on any third-party site.
IMPORTANT: The income assessment, projections and other information presented or generated by Preparing for Retirement are purely hypothetical in nature, do not in any way reflect actual investment results, and are not guarantees of future results.
The 2016 Voices of Experience survey was conducted by GfK Custom Research North America among a total of 1,583 TIAA retirees between May 28 and August 27, 2015. To qualify, all respondents had to indicate that they are retired. Respondents were mailed the survey questionnaire and had the option to return the survey by mail or to complete the survey online. Respondents completed 104 surveys online and 1,479 by mail. The sample was provided by TIAA, and data were weighted by gender, age, region, engagement, and industry sector.
This tool provides educational information on some of the big decisions in preparing for retirement and can help you develop your retirement planning know-how.
You should not view or construe the tools and information as a suggestion by TIAA that you take or refrain from taking a particular course of action, as the advice or recommendation of an impartial fiduciary, or as an offer to sell or a solicitation to buy any securities or other investment property. You cannot buy or sell securities or other investment property through this tool. If you need or want advice or recommendations regarding your retirement circumstances and needs or in choosing investments, please call us at 888-583-2535. We are here to help.