TIAA Wealth Management

Even with substantial savings, many retirees still hear “no” when applying for mortgages. While downsizing or swapping homes in retirement might make financial sense, traditional lenders prioritize predictable paychecks over investment portfolios. Securities-backed lines of credit, or SBLOCs, solve this by letting you borrow against your taxable accounts. Discover how SBLOCs help retirees buy their next home without liquidating assets: https://lnkd.in/gHYktnea #RetirementPlanning #Homebuying

Identifying a bubble from within is notoriously difficult. In 1999, ahead of the dot-com crash, markets offered compelling narratives for elevated technology valuations. Today’s artificial intelligence (AI) infrastructure rush raises similar questions: is this a transformative technology cycle with lasting, long-term economic impact, or an episode of optimism that could eventually see a major correction? In our latest FocusPoint, the TIAA Wealth CIO analyzes the current AI investment landscape, comparing it to past technology cycles like the dot-com era, and highlights key indicators to watch for assessing sustainability and risks. https://lnkd.in/gNiSWDY7

Your retirement account is meant for one thing: retirement. Yet when financial pressures mount—from wedding expenses to tuition bills—it’s tempting to tap into those savings early. The reality? Early withdrawals create permanent setbacks that are difficult to recover from, with brutal tax consequences and lost compound growth that could cost you significantly over time. Learn why protecting your retirement accounts today safeguards your financial future tomorrow. https://lnkd.in/g3U-zjDr #WealthManagement #RetirementPlanning

TIAA Wealth Management CIO Niladri Mukherjee appeared this week on Bloomberg TV’s ‘The Close’, discussing how recent employment data and earnings provide more evidence for a K-shaped economy, and what that means for how TIAA advises clients on their portfolios. Watch the full interview here: https://lnkd.in/g9Mxr9fa (segment 3:30 to 10:25)

Target-date funds offer automatic convenience for your 401(k) or 403(b), but the one-size-fits-all approach can leave gaps in your retirement planning. Watch TIAA Wealth Management Advisor Bryce Blanton break down how target-date funds actually work and where they can potentially fall short. Discover why working with a financial advisor helps account for all your assets and life changes—creating a strategy that evolves with you. #WealthManagement

It's hard to believe that another holiday season is approaching! Now is the time to start thinking about holiday gifts for your child or grandchild. But instead of toys or clothes, why not give them something that can have a lasting impact on their future? Your gift to their college fund could be the key to their success. Whether they are heading to college soon or still in their younger years, the power of saving for their future education with a 529 College Savings Plan account could make a big difference. Learn more about your state’s 529 plan here: https://lnkd.in/e9ifF92C

TIAA Wealth Management & Advice Solutions CEO David Nason sat down with Barron's Advisor to discuss the business’s growth strategy, the evolution of lifetime income solutions, and how AI will define the next era of wealth management. Read the full conversation here: https://lnkd.in/gMjifP8f #WealthManagement #LifetimeIncome

Selecting an executor is one of your most consequential estate planning decisions. While family members provide familiarity, they often lack specialized expertise and struggle with the time commitment involved in estate settlement. Corporate executors bring objectivity and institutional knowledge to honor your legacy and fulfill your wishes. Discover essential considerations for choosing your estate’s guardian. https://lnkd.in/g4A3MqHW #EstatePlanning #WealthManagement

How much will Medicare cost you in retirement? It’s one of the biggest questions in financial planning. Yet many Americans have common Medicare misconceptions that leave them vulnerable to unexpected costs and expensive enrollment penalties. Understanding the basics of Medicare’s four parts—and strategic timing decisions—can help protect your retirement budget. Discover essential insights about planning for health care in retirement. https://lnkd.in/gVbJRSED #Medicare #WealthManagement #RetirementPlanning

Opening an IRA is just the beginning. The real impact comes from how you allocate your contributions to potentially grow your retirement savings over time: https://lnkd.in/eCYPX7-9