Todd Saunders is a financial advisor with TIAA-CREF in Charlottesville, VA, holding Series 63 and Series 65 designations and over 31 years of industry experience. He has worked with TIAA-CREF and Tiaa since 2007, with brief roles at Spire Wealth Management and Spire Securities in 2021. TIAA‑CREF Individual & Institutional Services, LLC offers financial planning, discretionary managed account programs, and broker-dealer services primarily to individuals connected to TIAA-administered retirement plans, as well as to trusts, estates, partnerships, and small retirement plans. The firm also serves as adviser to the TIAA Donor Advised Fund and employs a fiduciary standard across its advisory services.

Craig Officer is a financial advisor at TIAA-CREF with three years of industry experience. He holds the Series 63 and Series 66 designations. Prior to joining TIAA-CREF in 2026, he worked at Strategic Advisers LLC and Fidelity Investments in various capacities from 2022 to 2026. TIAA-CREF Individual & Institutional Services, LLC offers financial planning, discretionary managed account programs, and broker-dealer services primarily to individuals connected to TIAA-administered employer retirement plans, as well as trusts, estates, partnerships, and small retirement plans. The firm provides both one-time planning services and ongoing portfolio management, utilizing a fiduciary standard and a vertically integrated model that includes affiliated funds and donor-advised fund advisory.

Adam Werther is a financial advisor with TIAA-CREF in Glendale, Colorado, holding Series 63 and Series 65 credentials and bringing 18 years of industry experience. He has been with TIAA and TIAA-CREF since 2011. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients with existing relationships through TIAA-administered employer retirement plans. The firm’s advisory model separates one-time planning services from ongoing discretionary management, using both model and customized portfolios, and acts as adviser to a donor-advised fund sponsored by Charityvest.

Joseph Doyle is a financial advisor at TIAA-CREF with three years of industry experience. He holds Series 63 and Series 65 designations. Doyle has been with TIAA-CREF and its predecessor since 2016. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs to individuals and various entities, often those with existing employer retirement plan relationships. The firm operates a fiduciary advisory model with both point-in-time planning and ongoing discretionary management, offering services that include customized portfolio management and donor-advised fund advisory.

Elizabeth Munday is a financial advisor at TIAA-CREF with 25 years of industry experience. She holds Series 63 and Series 65 designations and has worked at firms including Nuveen Securities, LLC and Wells Fargo Funds Management, LLC. Munday is based in Charlotte, NC. TIAA-CREF Individual & Institutional Services, LLC provides financial planning, discretionary managed account programs, and broker-dealer services primarily to individuals connected to TIAA-administered employer retirement plans, as well as trusts, estates, partnerships, and small retirement plans. The firm offers both point-in-time planning and ongoing discretionary management through model and customized portfolios.

Stacy Talarico is a financial advisor at TIAA-CREF with 15 years of industry experience. She holds Series 63 and Series 66 designations and has previously worked at Fidelity Investments, Edward Jones, and Financial Engines Advisors L.L.C. Her experience spans multiple firms within the wealth management and brokerage sectors. TIAA-CREF Individual & Institutional Services, LLC provides financial planning, discretionary managed account programs, and broker-dealer services to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans. The firm’s advisory model differentiates one-time planning services from ongoing discretionary management, offering both model-based and customized portfolios while serving clients often connected through employer retirement plans.

Amber Nelson is a financial advisor with TIAA-CREF in Charlotte, NC, holding Series 63 and Series 65 licenses and possessing 20 years of industry experience. She has been with TIAA and its affiliates since 2006. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs primarily to individuals connected to TIAA-administered employer retirement plans, as well as trusts, estates, and corporate entities. The firm offers a range of services including customized portfolio management and acts as adviser to a donor-advised fund.

David Toms is a financial advisor at TIAA-CREF with 13 years of industry experience. He holds Series 63 and Series 65 licenses and has been with TIAA-CREF since 2013. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans. The firm operates within a vertically integrated structure, offering both model and customized portfolio management options and serving as adviser to a donor-advised fund.

Robert Nicolosi is a financial advisor with TIAA-CREF in Palo Alto, CA, holding Series 63, 65, and 66 licenses and bringing 22 years of industry experience. His prior roles include positions at Edelman Financial Engines, Morgan Stanley, and Fisher Investments. He has been with TIAA-CREF since 2016. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning and managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients connected to TIAA-administered employer retirement plans. The firm offers both point-in-time planning and ongoing discretionary management, operating within a vertically integrated group that includes affiliated funds and serves as adviser to a donor-advised fund.

Krystian Suber is a financial advisor at TIAA-CREF with five years of industry experience. He holds a Series 66 designation and has previously worked with OneDigital Investment Advisors, KB Financial Partners, M Holdings Securities, M Financial, Massachusetts Mutual, and Chubb Limited. Outside of his advisory role, he is president of Horizon Edge Realty, LLC, which manages rental income properties. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning and discretionary managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients connected through TIAA-administered employer retirement plans. The firm offers both point-in-time planning and ongoing discretionary management through model and customized portfolios and acts as adviser to a donor-advised fund.

Christopher Mcclure is a financial advisor at TIAA-CREF with 25 years of industry experience. He has been with TIAA and TIAA-CREF since 2003. Outside of his advisory role, he is involved as an agent for an LLC focused on rental properties and has a small ownership stake in a local sports franchise, the Charlottetowne Hops FC. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning, discretionary managed account programs, and broker-dealer services to individuals, trusts, estates, partnerships, and small retirement plans. The firm separates one-time planning services from ongoing discretionary management and acts as adviser to a donor-advised fund while operating within a vertically integrated group that uses affiliated funds.

Lindsey Prokay is a financial advisor at TIAA-CREF with 16 years of industry experience. She holds the Series 66 designation and has been with TIAA-CREF since 2015. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning and discretionary managed account programs primarily to individuals with existing employer retirement plan relationships, as well as to trusts, estates, partnerships, and small retirement plans. The firm offers both model and customized portfolio management and serves as adviser to a donor-advised fund.

Dionne Loney is a financial advisor with TIAA-CREF in Charlotte, NC, holding a Series 66 designation and two years of industry experience. Her prior experience includes three years at Edward Jones and roles in health-related services before joining TIAA in 2026. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients with existing relationships through employer retirement plans. The firm operates a vertically integrated advisory model offering both point-in-time planning and ongoing portfolio management, including customized and model-based investment solutions.

John Arredondo is a financial advisor with TIAA-CREF in Glendale, Colorado, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. He has been with TIAA and TIAA-CREF since 2010. TIAA‑CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans. The firm differentiates its planning services from ongoing management and acts as adviser to a donor-advised fund while operating within a vertically integrated group that includes affiliated funds.

Charles Cronin is a financial advisor at TIAA-CREF with 24 years of industry experience. He holds Series 63 and Series 66 licenses and has been with TIAA-CREF since 2010. Outside of his advisory role, he contributes to the Pension Rights Center's Initiative on Women and Retirement at Divorce, providing expertise to help address challenges faced by women in securing retirement benefits after divorce. TIAA-CREF Individual & Institutional Services, LLC offers financial planning and discretionary managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients connected through TIAA-administered employer retirement plans. The firm separates point-in-time planning from ongoing discretionary management and serves as adviser to a donor-advised fund, operating within a vertically integrated group that uses affiliated funds.

Gregory Swindling is a financial advisor at TIAA-CREF with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at TIAA-CREF and Fisher Investments. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients connected to TIAA-administered employer retirement plans. The firm provides both point-in-time planning and ongoing portfolio management, operating within a vertically integrated structure that includes affiliated funds and a donor-advised fund.

David Leigh is a financial advisor at TIAA-CREF with 20 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at firms including Truist Advisory Services and BB&T Securities. He is based in Greenville, NC. TIAA-CREF Individual & Institutional Services provides financial planning and discretionary managed account programs primarily to individuals with existing employer retirement plan relationships, as well as trusts, estates, partnerships, and small retirement plans. The firm offers planning services separate from ongoing portfolio management and acts as adviser to a donor-advised fund.

Jonathan Pickett is a financial advisor with TIAA-CREF in Charlotte, NC, holding a Series 66 designation and 11 years of industry experience. He previously worked at Wells Fargo Clearing for nine years and held roles at Linden Thomas Advisory Services LLC and Linden Thomas and Company Securities, LLC. Pickett joined TIAA-CREF in 2026. TIAA-CREF Individual & Institutional Services, LLC provides financial planning, discretionary managed account programs, and broker-dealer services to individuals and institutional clients, often serving those with existing TIAA retirement plan relationships. The firm’s advisory approach separates one-time planning services from ongoing discretionary management and acts as adviser to a donor-advised fund while operating within a vertically integrated structure.

Cindy Ryan is a financial advisor at TIAA-CREF with 16 years of industry experience. She holds a Series 66 credential and has previously worked at Mass Mutual Investors Services, Mass Mutual Life Insurance Company, MSI Financial Services, and Metlife Securities. Ryan serves as a Board of Director for the Greenville Terrace Subdivision Homeowners Association in Rhode Island, where she participates in meeting recordkeeping and communications. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs primarily to individuals with TIAA-administered retirement plans, as well as to trusts, estates, partnerships, corporate entities, and small retirement plans. The firm offers both point-in-time planning and ongoing portfolio management, with features including customized portfolios, fiduciary standards, and advisory services for a donor-advised fund.

Joy Doss is a financial advisor with TIAA-CREF in Frisco, TX, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. She has been with TIAA-CREF since 2010. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning, discretionary managed account programs, and broker-dealer services to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients with prior relationships through TIAA-administered employer retirement plans. The firm provides both point-in-time planning and ongoing discretionary management, acting as adviser to a donor-advised fund and operating within a vertically integrated group using affiliated funds.