Franco Melhado is a financial advisor at TIAA-CREF in Austin, TX, holding a Series 66 designation with one year of industry experience. His prior work includes roles at Equitable Advisors and various academic and community positions, such as at Texas Tech University and Lions Municipal Golf Course. TIAA-CREF Individual & Institutional Services provides financial planning and managed account programs primarily to individuals with employer-linked retirement plans, as well as trusts, estates, and small retirement plans. The firm offers both point-in-time planning and ongoing discretionary management through model and customized portfolios.

James Scully is a financial advisor with TIAA-CREF in North Liberty, IA, holding Series 63 and Series 66 licenses and having 10 years of industry experience. His prior work includes roles at Edward Jones, NYlife Securities LLC, and New York Life Insurance Company. Outside of advisory work, he is the owner of an investment-related LLC. TIAA-CREF Individual & Institutional Services, LLC offers financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, and small retirement plans, often serving clients connected to TIAA-administered employer retirement plans. The firm operates a vertically integrated advisory model with both point-in-time planning and ongoing management under a fiduciary standard.