Elvia Galicia is a financial advisor with TIAA-CREF in New York, NY, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. She has worked with TIAA-CREF and TIAA since 2013. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs primarily to individuals connected with TIAA-administered employer retirement plans, as well as trusts, estates, partnerships, and small retirement plans. The firm offers both point-in-time planning services and ongoing portfolio management through model and customized portfolios under a fiduciary standard.

Kevin Hill is a financial advisor with TIAA-CREF in Charlotte, NC, holding a Series 66 designation and three years of industry experience. Prior to joining TIAA-CREF, he worked at The University of North Carolina at Charlotte and held positions at Papa John's Pizza and Ashville High School. TIAA-CREF Individual & Institutional Services provides financial planning and discretionary managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients connected to TIAA-administered employer retirement plans. The firm distinguishes between one-time planning services and ongoing discretionary management, offering both model and customized portfolio solutions.

Garnett Riddle Jr. is a financial advisor at TIAA-CREF in Charlottesville, VA, holding Series 63 and Series 66 credentials with 31 years of industry experience. He has been with TIAA-CREF and TIAA since 2007, following five years at BB&T Investment Services and one year at Truist Investment Services. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, and small retirement plans. The firm serves clients often connected through TIAA-administered employer retirement plans and provides access to affiliated services including TIAA Trust and a donor-advised fund.

Angelena Armstrong is a financial advisor with TIAA-CREF in Austin, TX, holding Series 63 and Series 66 credentials and bringing 15 years of industry experience. Before joining TIAA-CREF in 2019, she worked with TD Ameritrade Investment Management and Scottrade. Outside of her advisory role, she is involved in fitness as a Pilates instructor and yoga teacher. TIAA-CREF Individual & Institutional Services provides financial planning and discretionary managed account programs primarily to individuals connected to TIAA-administered employer retirement plans, as well as trusts, estates, partnerships, corporate entities, and small retirement plans. The firm offers both point-in-time planning and ongoing portfolio management, utilizing model and customized portfolios under a fiduciary standard.

Matthew Long is a financial advisor with TIAA-CREF based in Charlotte, NC, holding a Series 66 designation and three years of industry experience. His career includes positions at Truist, Kovar Wealth Management, A4 Wealth Advisors, and several other firms. TIAA‑CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs to individuals, trusts, estates, and small retirement plans, frequently serving clients with existing relationships through TIAA-administered employer retirement plans. The firm separates one-time planning services from ongoing portfolio management, offers customized and model-based investment strategies, and acts as adviser to a donor-advised fund.

Kimberly Weber is a financial advisor at TIAA-CREF in Charlotte, NC, with 13 years of industry experience. She holds Series 63 and Series 65 licenses and has worked previously with UBS Financial Services and MassMutual Life Insurance. 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 with existing relationships through employer retirement plans. The firm’s advisory model distinguishes between point-in-time planning and ongoing discretionary management, utilizing both model and customized portfolios.

Denise Crispino is a financial advisor at TIAA-CREF with 36 years of industry experience. She holds Series 63 and Series 65 licenses. Prior to joining TIAA-CREF in 2023, she worked at Bank of America and Merrill from 2011 to 2021. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and discretionary managed account programs primarily serving individuals connected to TIAA-administered employer retirement plans, as well as trusts, estates, partnerships, and corporate entities. The firm’s advisory model separates point-in-time planning from ongoing discretionary management and operates within a vertically integrated group that includes affiliated funds.

Nicholas Richardson is a financial advisor with TIAA-CREF in New York, NY, holding a Series 66 designation and six years of industry experience. Prior to joining TIAA-CREF in 2026, he worked at Raymond James Financial Advisors and Raymond James Financial Services for six years. He also operates Starry Financial Group as an independent financial advisor. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs primarily to individuals with existing TIAA employer retirement plan relationships, as well as trusts, estates, and small retirement plans. The firm’s advisory model distinguishes between one-time planning services and ongoing portfolio management, offering both model-based and customized portfolio options.

Brian Mc Cullough is a financial advisor at TIAA-CREF in Frisco, TX, holding Series 63 and Series 65 licenses with seven years of industry experience. His professional background includes roles at Charles Schwab, TD Ameritrade, and RPI Surveys prior to joining TIAA-CREF in 2019. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning, discretionary managed account programs, and broker-dealer services primarily to individuals connected to TIAA-administered employer retirement plans, as well as to trusts, estates, partnerships, corporate entities, and small retirement plans. The firm offers both point-in-time financial planning and ongoing managed account solutions, including model and customized portfolios, under a fiduciary standard.

Derek Barnes is a financial advisor at TIAA-CREF in Frisco, TX, with 11 years of industry experience. He holds Series 63 and Series 66 registrations and has been with TIAA-CREF since 2014. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and discretionary managed account programs primarily to individuals with existing relationships through TIAA-administered employer retirement plans, as well as to trusts, estates, partnerships, and small retirement plans. The firm’s advisory model separates one-time planning from ongoing portfolio management, employing both model and customized portfolios under fiduciary standards.

Neil Guarniere is a financial advisor at TIAA-CREF with 10 years of industry experience. He holds Series 63 and Series 65 credentials. His prior experience includes roles at J.P. Morgan Securities, Merrill, Bank of America, and several other financial firms. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning, discretionary managed account programs, and separate broker-dealer services primarily to individuals with existing retirement plan relationships, as well as trusts, estates, partnerships, and small retirement plans. The firm distinguishes between point-in-time planning services and ongoing discretionary management and generally applies a fiduciary standard within a wrap-fee structure.

Elizabeth Dawson is a financial advisor with TIAA-CREF in Charlotte, NC, holding Series 63 and Series 66 credentials and 14 years of industry experience. She has been with TIAA and TIAA-CREF since 2012. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division 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, corporate entities, and small retirement plans. The firm provides both one-time planning services and ongoing portfolio management, including customized strategies under client-approved investment policies.

John Vaughn is a financial advisor at TIAA-CREF in Philadelphia, PA, holding Series 63 and Series 65 licenses with nine years of industry experience. His career includes roles at TIAA-CREF since 2018 and prior experience at Mass Mutual Investors Services and Mass Mutual Life Insurance Company from 2013 to 2018. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and discretionary managed account programs primarily serving individuals with existing relationships through employer retirement plans, as well as trusts, estates, partnerships, and small retirement plans. The firm’s advisory model distinguishes between one-time financial planning and ongoing portfolio management, employing both model-based and customized investment strategies.

Won Heo is a financial advisor with TIAA-CREF in Frisco, TX, holding Series 63 and Series 66 credentials and 28 years of industry experience. He previously worked at Fidelity Brokerage Services LLC for 26 years before joining TIAA-CREF in 2023. 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 offers both point-in-time planning and ongoing managed account services under a fiduciary standard, and acts as adviser to a donor-advised fund sponsored by Charityvest.

Fred Ardito is a financial advisor with TIAA-CREF in New York, NY, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He has worked at TIAA-CREF since 1995. 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 offers both point-in-time planning and ongoing portfolio management and serves as adviser to the TIAA Donor Advised Fund.

Mathew Valentin is a financial advisor at TIAA-CREF with Series 63 and Series 66 credentials and three years of industry experience. Prior to joining TIAA-CREF in 2023, he worked at The Millennium Group for four years and spent six years with Papa Johns. 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, and small retirement plans, often serving clients connected through employer retirement plans. The firm separates one-time planning services from ongoing portfolio management and acts as adviser to a donor-advised fund sponsored by Charityvest.

Evan Potash is a financial advisor at TIAA-CREF with 17 years of industry experience. He holds Series 63 and Series 65 designations and has worked at TIAA-CREF since 2017. Prior to that, he was employed at Wells Fargo Clearing and Wells Fargo Bank NA from 2013 to 2017. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients with existing employer retirement plan relationships. The firm distinguishes between point-in-time planning services and ongoing discretionary management, offering both model and customized portfolio options within a vertically integrated advisory model.

Molly Mccormack is a financial advisor at TIAA-CREF with 26 years of industry experience. She has held her current role since 2005 and previously worked at Charles Schwab from 2003 to 2005. She holds Series 63 and Series 66 credentials. TIAA‑CREF Individual & Institutional Services, LLC’s Advice & Planning Services division serves individual clients, trusts, estates, and small retirement plans, offering financial planning and discretionary managed account programs. The firm operates a vertically integrated advisory model with both point-in-time planning and ongoing portfolio management, including customized portfolios managed under client-approved investment policies.

Richard Diodosio is a financial advisor at TIAA-CREF with 20 years of industry experience. He holds Series 63 and Series 66 designations and has been with TIAA-CREF since 2007. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning, discretionary managed account programs, and broker-dealer services primarily to individuals with existing relationships through TIAA-administered employer 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 discretionary management, applying a fiduciary standard to its RIA services within a vertically integrated structure that includes affiliated funds.

Thomas Delaney is a financial advisor with TIAA-CREF, holding a Series 66 designation and over 21 years of industry experience. He has been with TIAA-CREF since 2013. 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 with existing relationships through TIAA-administered employer retirement plans. The firm provides both point-in-time planning services and ongoing portfolio management, operating within a vertically integrated group that includes affiliated funds and manages donor-advised funds.