The Investment Process


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Your TIAA-CREF Advisor follows a specific process to understand your unique situation and needs. We will implement a strategy to meet your needs and help you stay on track.


Our Process

Investment Process Graphic

1. Assess Needs

We help you define your investment goals and focus on how you want your money managed.

2. Analysis and Alternatives

We analyze your investment objectives, risk tolerance, and specific investment preferences. Funds and other securities are also evaluated for inclusion in your portfolio.

3. Present and Recommend

Once we understand your current situation and goals, we recommend an asset allocation strategy and investments that are selected to help reach your goals.

4. Implement Plan/Strategy

After discussing your investment strategy and how it aligns with your overall financial plan, we implement your personalized portfolio.

5. Ongoing Review

Things change. That’s why we perform ongoing research and due diligence on securities we’ve selected for your portfolio and:

  • Replace — if a security no longer meets our investment criteria, it will be replaced.
  • Reallocate — perform strategic asset allocation changes as necessary.
  • Send you a quarterly performance report so you can track your progress towards your goals.

Ready to get started?

To learn more about Portfolio Advisor, please call your Advisor. If you don’t have a TIAA-CREF Advisor, you can:

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.

TIAA-CREF Individual & Institutional Services, LLC, a registered investment advisor, provides investment advisory services. Trust services are provided by TIAA-CREF Trust Company, FSB.

Contact a TIAA-CREF Advisor

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