• What is an IRA?
• How an IRA can Help
• About the TIAA-CREF IRA
• Create
• Contribute
• Consolidate

Consolidate:  Roll Money Over To A TIAA-CREF IRA

1. Ensure you are eligible.
2. Contact the benefits office of the employer where you contributed to these accounts to clarify your plan's rules. The tax code provides institutions the ability to allow most 403(b) and qualified plans to be rolled over to an IRA if you've met the plan's withdrawal rules.
3. Be sure to complete any paperwork your current investment company may require and verify if you will incur any charges from the other company for the withdrawal.
4. Read these important documents:
   • Prospectuses for the investment options available under your IRA. Please see the most recent supplement to the TIAA-CREF Funds’ Statement of Additional Information concerning the continued availability of certain closed Funds within this IRA. 
   • IRA Disclosure Statement & Custodial Agreement (PDF)
   • Federal Register Notice for the TIAA Real Estate Account (PDF)
   • TIAA-CREF Privacy Policy (PDF)
   • TIAA-CREF Business Continuity Policy (PDF)

Before transferring assets or replacing an existing annuity, be sure to carefully consider the benefits of both the existing and new product. There will likely be differences in features, costs, surrender charges, services, company strength and other important aspects. There may also be tax consequences associated with certain kinds of transfers of assets. Indirect transfers may be subject to taxation and penalties. Consult with your own advisors regarding your particular situation.

• Download, complete, print and sign the TIAA-CREF Transfer or Rollover Form (PDF) and mail it to the address on the form.
• Have an IRA Rollover Specialist contact you.

Open an IRA

TIAA-CREF Individual & Institutional Services, LLC is a member of the Securities Investor Protection Corporation (SIPC). For information about SIPC, and to request the free SIPC brochure, visit www.sipc.org or call 1 202 371-8300.

Individuals who are not eligible for the Investment Solutions IRA can open an IRA through TIAA-CREF Brokerage Services.