Thomas Damato is a financial advisor with TIAA-CREF in Knoxville, TN, holding Series 63 and Series 66 licenses and 16 years of industry experience. He has worked at TIAA-CREF since 2017 and previously was with BB&T and BB&T Investment Services from 2015 to 2017. Outside of his advisory work, he is a member of H&D Farms LLC, involved in farming activities including raising cattle and growing hay for local sale. 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. The firm separates planning services from ongoing portfolio management and serves as adviser to a donor-advised fund while operating within a vertically integrated group that includes affiliated funds.

Tamara Ristau is a financial advisor at TIAA-CREF with 25 years of industry experience. She holds Series 63 and Series 66 licenses and has been with TIAA-CREF since 2012. 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 TIAA-administered employer retirement plans. The firm offers a combination of point-in-time planning services and ongoing portfolio management, including customized portfolios managed under client-approved investment policies.

Ronald Neems is a financial advisor with TIAA-CREF in Coralville, Iowa, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. He has been with TIAA-CREF since 2008. Outside of his advisory role, he owns a stationery store and serves on the board of a natural foods cooperative. TIAA‑CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning and managed account programs to individuals, trusts, estates, and other entities, often serving clients connected to TIAA-administered retirement plans. The firm combines point-in-time planning with ongoing discretionary management under a fiduciary standard, offering customized and model-based portfolio options.

Jose Raposo is a financial advisor at TIAA-CREF with 18 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at firms including Morgan Stanley, E*TRADE Capital Management, and TD Ameritrade. His career includes multiple roles in advisory and investment management across well-known financial institutions. 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 employer retirement plans, as well as to trusts, estates, partnerships, corporations, and small retirement plans. The firm’s advisory model distinguishes between one-time financial planning and ongoing discretionary management using model or customized portfolios, operating under a fiduciary standard with disclosed potential conflicts related to affiliated funds and fee structures.

Patrick Rowe Jr. is a financial advisor with TIAA-CREF in Frisco, TX, holding a Series 66 designation and 23 years of industry experience. He has been with TIAA and its related entities since 2004. Outside of his advisory role, he serves as secretary of The Affluent Manner, a family venture involved in investment and consulting activities, including work with a company developing blockchain technology for medical applications. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and discretionary managed account programs primarily to individuals with existing TIAA employer retirement plan relationships, as well as trusts, estates, and various entities. The firm distinguishes between non-monitored planning services and ongoing discretionary management through model-based and customized portfolios, operating under a fiduciary standard and within a vertically integrated structure.

Tenesha Barron is a financial advisor at TIAA-CREF with seven years of industry experience. She holds a Series 66 designation and has previously worked at JPMorgan Securities LLC, Tata Consultancy Services, Transamerica Capitol, Inc., and Career Education Corporation. 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 serves many clients connected through TIAA-administered employer retirement plans and acts as adviser to the TIAA Donor Advised Fund.

Rebecca Jones is a financial advisor at TIAA-CREF with 19 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked for Wells Fargo Clearing and Wells Fargo, NA for 14 years. Jones is based in Atlanta, GA, and has been with TIAA-CREF since 2021. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and discretionary managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients with existing TIAA-administered employer retirement plans. The firm separates point-in-time planning from ongoing portfolio management and serves as adviser to the TIAA Donor Advised Fund within a vertically integrated structure.

Christopher Perry is a financial advisor with TIAA-CREF in Knoxville, TN, holding Series 63 and Series 66 designations and 17 years of industry experience. He has worked with TIAA and TIAA-CREF since 2011. 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’s advisory model distinguishes between point-in-time planning services and ongoing discretionary management, utilizing model portfolios or customized portfolios managed under client-approved investment policies.

Cynthia Frick is a financial advisor at TIAA-CREF with one year of industry experience. She holds a Series 65 credential and has previously worked at USAA from 2015 to 2019. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides 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, corporate entities, and small retirement plans. The firm operates within a vertically integrated structure and serves as adviser to a donor-advised fund.

Maha Alnajjar is a financial advisor with TIAA-CREF in New York, NY, holding a Series 66 designation. She has less than one year of experience at TIAA-CREF and its affiliated entities, with prior roles at Eagle Strategies, NYLIFE Securities LLC, New York Life Insurance Company, and US Capital Global Securities, LLC. She also spent eight years at Stanford University and operated as an independent contractor for nine years. 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 employer retirement plan relationships. The firm offers point-in-time financial planning alongside ongoing discretionary management and advisory services, including acting as an adviser to a donor-advised fund.

Kevin Callaghan is a financial advisor at TIAA-CREF in Boston, MA, with 22 years of industry experience. He holds a Series 66 designation and has been with TIAA-CREF since 2012. Outside of his advisory role, he serves as president of Harvard Youth Lacrosse, an organization that provides lacrosse opportunities for children at Harvard. 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 distinguishes between one-time planning services and ongoing discretionary management through various managed account programs.

Salvatore Buffa is a financial advisor at TIAA-CREF with six years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Fidelity and Penn Mutual Life Insurance Company. 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 employer retirement plan relationships. The firm combines point-in-time planning services with ongoing portfolio management using model or customized portfolios managed under client-approved investment policies.

Elliott Back is a financial advisor at TIAA-CREF with three years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Wells Fargo Clearing Services LLC. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs to individuals and various entities, often serving clients with prior relationships through TIAA-administered employer retirement plans. The firm offers model- and customized-portfolio management options and acts as adviser to a donor-advised fund.

Joy Massimi is a financial advisor at TIAA-CREF with 17 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at TIAA-CREF since 2017, following four years at The Vanguard Group. Outside of her advisory role, she is an owner of a vacation home used as a rental property. 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 also offers referrals to affiliated services and acts as investment adviser to a donor-advised fund.

Mohammad Rahimi is a financial advisor at TIAA-CREF with seven years of industry experience. He holds a Series 66 designation and previously worked at Morgan Stanley Private Bank and Morgan Stanley from 2018 to 2024. 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, and small retirement plans. The firm offers both point-in-time planning and ongoing discretionary management through various managed account programs, operating within a vertically integrated structure that includes affiliated funds.

Sergio Badillo is a financial advisor with TIAA-CREF in Frisco, TX, holding Series 63 and Series 66 designations and having six years of industry experience. He has been with TIAA-CREF since 2019 and was previously associated with TIAA starting in 2017. Outside of his advisory role, he works as a delivery driver. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning, 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 offers both point-in-time planning services and ongoing discretionary management, applying a fiduciary standard to its registered investment adviser services.

Kip Siedling is a financial advisor at TIAA-CREF with a Series 66 designation and 23 years of industry experience. His prior roles include positions at Truist Investment Services and BB&T Securities. TIAA-CREF Individual & Institutional Services, LLC offers financial planning and discretionary managed account programs primarily to individuals connected to TIAA-administered retirement plans, as well as trusts, estates, partnerships, and corporate entities. The firm provides point-in-time planning alongside ongoing portfolio management and serves as adviser to a donor-advised fund.

Sha'ron Clark is a financial advisor at TIAA-CREF with a Series 66 designation and one year of industry experience. Prior to joining TIAA-CREF, she worked at Park Avenue Securities, Opes One Wealth, and Guardian Life Insurance, and has experience in education and other sectors. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning and discretionary managed account programs primarily to individuals with existing relationships through employer retirement plans, as well as trusts, estates, and other entities. The firm offers both point-in-time planning services and ongoing portfolio management using model and customized portfolios managed under a fiduciary standard.

Daniel Yancy is a financial advisor with TIAA-CREF, holding Series 63 and Series 65 designations and six years of industry experience. Prior to joining TIAA-CREF in 2026, he worked at Fisher Investments, Merrill, Bank of America, Citigroup Global Markets, and several other financial firms. He was previously the owner of Cadet Medical Supply, LLC, a medical supply business that is no longer active. TIAA-CREF provides financial planning and discretionary managed account programs primarily to individuals with ties to TIAA-administered employer retirement plans, as well as trusts, estates, partnerships, and small retirement plans. The firm offers both one-time planning services and ongoing portfolio management through customized and model-based strategies.

Daniel Quinn is a financial advisor with TIAA-CREF, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. His prior roles include positions at TD Ameritrade and Facet. Quinn has worked at TIAA-CREF since 2023. TIAA-CREF Individual & Institutional Services provides financial planning and managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients connected to TIAA-administered employer retirement plans. The firm offers discretionary management through model portfolios and customized portfolios, and acts as adviser to a donor-advised fund.