Ryan Thauvette is a financial advisor with TIAA-CREF in Ithaca, NY, holding a Series 66 designation and 20 years of industry experience. His prior roles include positions at M&T Securities, Inc. and Edward Jones. Outside of his advisory work, he is involved in farming operations as the owner of Sweet Springs Farm. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs to individuals, trusts, estates, and small retirement plans, many of whom have existing retirement plan relationships with TIAA. The firm offers both point-in-time planning services and ongoing portfolio management, utilizing model and customized portfolios under a fiduciary standard.

Mario Gonzalez Ayon is a financial advisor at TIAA-CREF with 10 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at firms including LPL Financial LLC, Elmira Savings Bank, and Scottrade, INC. His current tenure at TIAA-CREF began in 2022. 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 employer retirement plan relationships. The firm operates a fiduciary advisory model that distinguishes between one-time planning services and ongoing portfolio management, offering both model and customized investment solutions.

Stephen Smith is a financial advisor with TIAA-CREF in Ithaca, NY, holding Series 63 and Series 66 licenses and bringing 32 years of industry experience. He has been with TIAA and TIAA-CREF since 1993 and 2001, respectively. 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 connected to TIAA-administered employer retirement plans. The firm also acts as adviser to a donor-advised fund and operates as a vertically integrated group using affiliated funds in its advisory services.

Kelly Michalek is a financial advisor with TIAA-CREF, holding a Series 66 designation and 15 years of industry experience. She has been with TIAA-CREF since 2012. 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 working with clients connected through TIAA-administered employer retirement plans. The firm provides both point-in-time planning and ongoing portfolio management using model and customized portfolios, and serves as adviser to a donor-advised fund.