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Advisory services are provided by Advice & Planning Services, a division of TIAA-CREF Individual & Institutional Services, LLC, a registered investment advisor.

Annuities issued by Teachers Insurance and Annuity Association of America (TIAA), New York, NY.

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.

‡Domestic and foreign currency deposit accounts, non-FDIC insured Metals Select® accounts, and consumer and commercial lending, including credit card, products and services are provided by TIAA Bank®, a division of TIAA, FSB, Member FDIC and Equal Housing Lender.

The Metals Select accounts are not FDIC insured, are not bank guaranteed or government guaranteed, are not deposits, and may lose value.

The TIAA group of companies does not provide legal or tax advice. Please consult your legal or tax advisor.

TIAA-CREF Individual & Institutional Services, LLC, Member FINRA and SIPC, distributes securities products. 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.

Teachers Insurance and Annuity Association of America is domiciled in New York, NY, with its principal place of business in New York, NY. Its California Certificate of Authority number is 3092.

TIAA-CREF Life Insurance Company is domiciled in New York, NY, with its principal place of business in New York, NY. Its California Certificate of Authority number is 6992.

Read the TIAA-CREF Individual & Institutional Services, LLC, Statement of Financial Condition.

Read the Getting to know TIAA's individual financial solutions and its financial professionals brochure.

© 2020 and prior years, Teachers Insurance and Annuity Association of America-College Retirement Equities Fund, New York, NY 10017