How to Plan For Your Financial Future

TIAA-CREF's "how to" web video series offers simple straightforward steps to making your money work harder for you. The first installment, how to plan for your financial future, reviews the basics for getting started.

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TIAA-CREF products may be subject to market and other risk factors.  See the applicable product literature, or visit www.tiaa-cref.org for details.

Lifetime income is a guarantee subject to the claims-paying ability of the issuing insurance company.

Low fees based on Morningstar Direct (June 2010) based on Morningstar expense comparisons by category. This applies to our variable annuity and mutual fund expense ratios.

Diversification is a technique to help reduce risk. There is no absolute guarantee that diversification will protect against a loss of income.

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.

TIAA-CREF Individual & Institutional Services, LLC and Teachers Personal Investors Services, Inc., members FINRA, distribute securities products.

© 2010 Teachers Insurance and Annuity Association–College Retirement Equities Fund (TIAA-CREF), New York, NY 10017.

© 2013 and prior years, Teachers Insurance and Annuity Association - College Retirement Equities Fund (TIAA-CREF), New York, NY 10017