The retirement industry is evolving. Get ready for what's next.

People say retirement looks nothing like it did for my parents.

I say get ready for what's next.

I'm Chris Stickrod, Head of TIAA's Retirement Product and Default Solutions Group, and it's my job to think about the future of retirement.

And how that future should come with a guarantee without sacrificing the potential for growth.

Our clients are facing extraordinary challenges right now, and the retirement plan and employees financial well-being are only one part of it.

At TIAA, it's our responsibility and our mission to prepare your workforce for better retirements.

Recent decades have brought new strategies to help people save, including diversified target date portfolios designed to grow with the markets.

But those strategies haven't gone far enough.

Modern portfolios need guaranteed assets that offer steady returns in the saving years, with the option to activate lifetime income in retirement.

But that's not all.

Modern portfolios also need to guard against inflation, not only in the savings years, but all the way through retirement.

We're in a critical moment.

Your employees deserve a retirement that works just as hard as they have.

Fixed annuities can offer employees guaranteed returns, which lowers the volatility in their saving years.

Plus the option for steady guaranteed income in retirement.

Variable annuities can help fight inflation from their first day of work straight through retirement if they choose lifetime income.

Not only does TIAA offer these annuities, but ours stand out from the competition.

As you know, we share profits of TIAA Traditional participants through additional interest while saving,

higher initial income at retirement through TIAA Loyalty Bonus, and the opportunity rises in retirement.

And the fees of our variable annuities are among the lowest in the industry.

Your employees pay less and keep more.

These are important times for retirement and we stand ready to help your employees.

Are you ready?

These are important times for retirement and we stand ready to help your employees.

Are you ready?

Recent decades have brought new strategies to help people save, including diversified target portfolios

designed to grow with the markets.

But those strategies haven't gone far enough.

These are important times for retirement and we stand ready to help your employees. Are you ready?

These are important times for retirement, and we stand ready to help your employees. Are you ready?

People say retirement looks nothing like it did for my parents. I say get ready for what's next.

I'm Chris Stickrod, Head of TIAA's Retirement Product and Default Solutions Group, and it's my job to think about the future of retirement. And how that future should come with a guarantee without sacrificing the potential for growth.

Our clients are facing extraordinary challenges right now, and the retirement plan and employees financial well-being are only one part of it.

At TIAA, it's our responsibility and our mission to prepare your workforce for better retirements.

Recent decades have brought new strategies to help people save, including diversified target portfolios

designed to grow with the markets. But those strategies haven't gone far enough.

Modern portfolios need guaranteed assets that offer steady returns in the saving years, with the option to activate lifetime income in retirement.

But that's not all.

Modern portfolios also need to guard against inflation, not only in the savings years, but all the way through retirement.

We're in a critical moment. Your employees deserve a retirement that works just as hard as they have.

Fixed annuities can offer employees guaranteed returns, which lowers volatility in their savings years. Plus the option for a steady guaranteed income in retirement.

Variable annuities can help fight inflation from their first days of work straight through retirement. If they choose lifetime income.

Not only does TIAA offer these annuities, but our standout hours stand out from the competition.

As you know, we share profits with to traditional participants through additional interest while saving

higher initial income at retirement through to loyalty bonus and the opportunity rises in retirement.

And the fees on our variable annuities are among the lowest in the industry. Your employees pay less and keep more.

These are important times for retirement and we stand ready to help your employees. Are you ready?

Not only just to offer these annuities, but ours stand out from the competition.

As you know, we share profits or tie traditional participants through additional interest while saving

higher initial income at retirement through the TIAA loyalty bonus and the opportunity raises in retirement.

And the fees of our variable annuities are among the lowest in the industry.

Your employees pay less and keep more.

No, no, no, you can only go in your race weekend, okay? People say retirement looks nothing like it did for my parents. I say get ready for what's next. I'm Christopher Sicard, head of retirement product and default solutions for today. And it's my job to think about what the future of retirement and how the future should come with a guarantee without sacrificing the potential for growth.

Our clients are facing extraordinary challenges right now, and the retirement plan employees financial well-being are only one part of it. At to our responsibility and our mission to prepare our your workforce for better retirement.

Recent decades have brought new strategies to help people save, including diversified target date portfolios designed to grow with the markets.

But those strategies haven't gone far enough.

Modern portfolios need guaranteed assets that offer steady returns in the saving years, with the option to activate lifetime income in retirement. But that's not all. Modern portfolios also need to guard against inflation, not only in the saving years, but all the way through retirement. We're in a critical moment. Your employees deserve a retirement that works just as hard as they have.

Fixed annuities can offer guaranteed returns, which lowers the volatility and their saving years, plus the option for steady guaranteed income in retirement. Variable annuities can offer flight and can help fight inflation from their first day of work straight through retirement. If they choose lifetime income, not only just to offer these annuities, but our stand out from we are stand out from the competition.

As you know, we share profits or to traditional participants through additional interest while saving higher initial income and retirement through to loyalty bonus and the opportunity rises in retirement and the fees of our variable annuities are among the lowest in the industry. Your employees pay less and keep more. These are important times for retirement and we stand ready to help your employees.

Are you ready?

Hearing people say retirement looks nothing like it did for my parents. I say, get ready for what's next. I'm Christopher Stick Rod, head of s retirement product and default solutions group, and it's my job to think about the future of retirement and how that future should come with guarantee without sacrificing the growth potential for growth. Our clients are facing extraordinary challenges right now, and the retirement plan and employees financial well-being are all one part of it.

At Ta, it's our responsibility and our mission to prepare your workforce for better returns. All right. Can we just start over? I just I jacked up every single one of those. Every single one. Yeah. Now you do. Every single person we have will do.

Actually, I think you're opening it.

People say retirement looks nothing like it did for my parents. I say get ready for what's next. I'm Chris Stickrod, Head of TIAA's Retirement Product and Default Solutions Group, and it's my job to think about the future of retirement. And how that future should come with a guarantee without sacrificing the potential for growth. Our clients are facing extraordinary challenges right now, and the retirement plan and employees financial well-being are only one part of it.

At TIAA, it's our responsibility and our mission to prepare your workforce for better retirements. Recent decades have brought new strategies to help people save, including diversified target portfolios designed to grow with the markets. But those strategies haven't gone far enough. Modern portfolios need guaranteed assets that offer steady returns in the saving years, with the option to activate lifetime income in retirement.

But that's not all. Modern portfolios also need to guard against inflation, not only in the savings years, but all the way through retirement. We're in a critical moment. Your employees deserve a retirement that works just as hard as they have. Fixed annuities can offer employees guaranteed returns, which lowers volatility in their savings years. Plus the option for a steady guaranteed income in retirement.

Variable annuities can help fight inflation from their first days of work straight through retirement. If they choose lifetime income. Not only does TIAA offer these annuities, but our standout hours stand out from the competition. As you know, we share profits with to traditional participants through additional interest while saving higher initial income at retirement through to loyalty bonus and the opportunity rises in retirement.

And the fees on our variable annuities are among the lowest in the industry. Your employees pay less and keep more. These are important times for retirement and we stand ready to help your employees. Are you ready?

Well, We're in a critical moment. Your employees deserve a retirement that works just as hard as they have. Fixed annuities can offer employees guaranteed returns, which lowers the volatility in their saving years. Plus the option for steady guaranteed income in retirement. Variable annuities can help fight inflation from their first day of work straight through retirement if they choose lifetime income. not only just to offer these annuities, but our stand out from the competition.

As you know, we share profits up to traditional participants. Their additional interest while saving higher initial income at retirement through tied may mess it up. Let's go back. Can we do just that? Top one? Yeah, sure. It's a really long run off sentence. We just.

Yeah. Yeah. Okay. Not only does TIAA offer these annuities, but ours stand out from the competition. As you know, we share profits of TIAA Traditional participants through additional interest while saving, higher initial income at retirement through TIAA Loyalty Bonus, and the opportunity rises in retirement. And the fees of our variable annuities are among the lowest in the industry.

Your employees pay less and keep more. These are important times for retirement and we stand ready to help your employees. Are you ready?

These are important times for retirement and we stand ready to help your employees. Are you ready?

Not only just to offer these annuities, but ours stand out from the competition. As you know, we share profits or tie traditional participants through additional interest while saving higher initial income at retirement through the TIAA loyalty bonus and the opportunity raises in retirement. And the fees of our variable annuities are among the lowest in the industry. Your employees pay less and keep more.

These are important times for retirement, and we stand ready to help your employees. Are you ready?