What to Expect When You Roll Over


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There are a few steps you’ll need to take when moving money from one account to another. Let us show you the steps you’ll take as you begin your rollover.

IRA Rollover - Expect Step 1First, choose the right solution
Different retirement needs can require different approaches to saving. That’s why TIAA-CREF offers a variety of IRA solutions to help you make the most of your retirement planning. Not sure which is right for you?

Find the rollover solution that meets your needs, or talk to an IRA specialist at 800 842-2888


IRA Rollover - Expect Step 2Second, open your account
Once you’ve determined which IRA solution is right for you, open your account.

Call 800 842-2888 and talk to an IRA specialist
Begin your rollover with the solution you’ve chosen


IRA Rollover - Expect Step 3Third, initiate your asset transfer
We will provide you with forms to sign and return to us, and will contact your prior employer or IRA carrier. If they require any additional paperwork, we will let you know right away and will work on your behalf to ensure that funds are transferred smoothly.

Alternatively, if you are moving a 401(k), 403(b) or similar account from your prior employer you can contact your former employer directly to request a distribution. They may require that you sign a form of theirs. If they require additional information from TIAA-CREF, just contact us and we will help complete the process.

If you already have a TIAA-CREF IRA, you may be ready to do your transfer now. Talk to an IRA specialist at 800 842-2888 or send us a message and we’ll get you get started.


IRA Rollover - Expect Step 4Finally, confirm that your rollover is complete
If you are rolling over from your prior employer’s retirement plan, ask your previous employer how long processing will take.

Check your account periodically on tiaa-cref.org to verify that funds were transferred.

Use our asset allocation guidance tool to get examples of how you may want to allocate your retirement savings across asset classes. Or contact us for personalized advice at no extra charge.

Ready to roll over now?
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Need help with your rollover?

Is rolling over a 401(k) or 403(b) from my prior employer a different process from transferring an old IRA to TIAA-CREF? Not really. The steps we’ve outlined are the same, but the paperwork that your prior employer or financial institution requires may differ. Either way, we’ll contact them on your behalf and be in touch with you to make the transition a smooth one.

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