TIAA-CREF is a premier financial services organization managing more than $400 billion in assets under management and servicing 3.4 million participants at more than 15,000 public and private not-for-profit clients (as of June 30, 2008). TIAA-CREF has been helping those in the academic, medical, cultural and research fields plan for and live in retirement. We do this with a full array of financial products and services to help them live to and through retirement and invest for life’s other goals along the way. In keeping with our strong nonprofit heritage, we offer low fees*, a long-term approach to investing, and a full line of financial products and services provided by consultants who do not receive commissions**. Instead, they are compensated primarily on how well they serve their clients, not what they sell them.
(You should consider the investment objectives, risks, charges and expenses carefully before investing. Please call 877-518-9161, or go to www.tiaa-cref.org for a current prospectus that contains this and other information. Please read the prospectus carefully before investing. All TIAA-CREF investment vehicles are subject to market and other risk factors, which could result in loss of principal.)
*Applies to our mutual fund and variable annuity account expense ratios. Morningstar Direct (February 2008) based on Morningstar expense comparisons by category.
** Our consultants receive no commissions. They are compensated through a salary plus incentive program that focuses on client service excellence.
TIAA-CREF Individual & Institutional Services, LLC and Teachers Personal Investors Services, Inc., members FINRA, distribute securities products.
TIAA-CREF | Financial Services for the Greater Good
Contact: Tameeka L. Aviles, CRPS
Director | Strategic Sales
303-626-5046 TAviles@tiaa-cref.org
370 17th ST STE 200, Denver, CO 80217
www.TIAA-CREF.org