Efrain Torres is a financial advisor at TIAA-CREF in New York, NY, holding Series 63 and Series 66 licenses with 23 years of industry experience. His prior experience includes roles at Santander Securities, LLC, Santander Bank, NA, and J.P. Morgan Securities. TIAA-CREF’s Advice & Planning Services division offers financial planning and discretionary managed account programs to individuals with connections to TIAA-administered retirement plans, as well as trusts, estates, partnerships, and corporate entities. The firm separates its point-in-time planning services from ongoing discretionary management and serves as adviser to a donor-advised fund while operating within a vertically integrated group utilizing affiliated funds.

Jessica Kopf is a financial advisor at TIAA-CREF in New York, NY, with 13 years of industry experience. She holds a Series 66 designation and has previously worked at AllianceBernstein L.P., Sanford C. Bernstein & Co., LLC, and BB&T Securities, LLC. Kopf has been with TIAA-CREF since 2018. 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 separates point-in-time financial planning from ongoing discretionary management and serves as adviser to a donor-advised fund while operating within a vertically integrated group that uses affiliated funds.

Sayed Mirzada is a financial advisor with TIAA-CREF in New York, NY, holding Series 63 and Series 65 designations and possessing 23 years of industry experience. His prior work includes extensive tenure at Cammack Retirement Group and its affiliated entities from 2005 to 2020. TIAA-CREF Individual & Institutional Services provides financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, and small retirement plans, often serving clients with existing TIAA-administered retirement plan relationships. The firm’s advisory model distinguishes between one-time planning services and ongoing discretionary management and also advises the TIAA Donor Advised Fund sponsored by Charityvest.

Maya Reda is a financial advisor at TIAA-CREF with 20 years of industry experience. She holds Series 63 and Series 65 designations and has been with TIAA 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 with existing employer retirement plan relationships, as well as to trusts, estates, partnerships, corporate entities, and small retirement plans. The firm distinguishes between one-time planning services and ongoing discretionary management through model or customized portfolios, and it also serves as adviser to a donor-advised fund.

Jeanine Buceti is a financial advisor with TIAA-CREF in New York, NY, holding Series 63 and Series 66 credentials and bringing 20 years of industry experience. Her prior roles include positions at Citizens Securities, Inc., and extensive experience with TIAA and TIAA-CREF since 2013. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, and small retirement plans, often serving clients with existing TIAA-administered employer retirement plans. The firm offers both point-in-time planning and ongoing discretionary management, operating within a vertically integrated structure that includes affiliation with TIAA Trust and management of a donor-advised fund.

Robert Crothers is a financial advisor at TIAA-CREF with 21 years of industry experience. He holds a Series 66 license and spent 19 years at BlackRock Investment Management before joining TIAA-CREF in 2025. TIAA-CREF Individual & Institutional Services offers financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients with existing TIAA-administered retirement relationships. The firm provides both point-in-time planning services and ongoing portfolio management through model or customized portfolios under a fiduciary standard.

Alberto Favalli Ragusini is a Series 66-licensed financial advisor at TIAA-CREF with seven years of industry experience. His prior roles include positions at Fiera Capital Inc., Foreside Fund Services, LLC, Bank of America, and Merrill. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, and small retirement plans, often serving clients with pre-existing relationships through TIAA-administered employer retirement plans. The firm’s advisory model distinguishes between one-time planning services and ongoing discretionary management, offering both model-based and customized portfolios.

Jean Pierre Prusack is a financial advisor at TIAA-CREF with one year of industry experience. He holds a Series 65 designation and has worked at TIAA since 2017, including a prior role at The First National Bank of Long Island. 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 with existing relationships through TIAA-administered employer retirement plans. The firm offers both point-in-time financial planning and ongoing discretionary portfolio management, operating within a vertically integrated group that includes affiliated investment funds.

Edward Dziedzic is a CFA® charterholder with 13 years of industry experience, currently serving as a financial advisor at TIAA-CREF. His prior roles include positions at Hancock Whitney Investment Services, Hancock Whitney Bank, and Capital One Investing. He is based in New York, NY. TIAA-CREF Individual & Institutional Services provides financial planning and discretionary managed account programs primarily to individuals with existing retirement plan relationships, as well as trusts, estates, partnerships, and corporate entities. The firm offers both point-in-time planning services and ongoing portfolio management, employing a fiduciary standard in its RIA services.

Edon Prelvukaj is a financial advisor at TIAA-CREF with two years of industry experience. He holds a Series 66 designation and has worked previously at J.P. Morgan Securities and Bloomberg L.P. Prelvukaj has also been involved with state university education during his career. 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 uses a fiduciary approach within a vertically integrated structure, offering both model and customized portfolios, and serves clients often connected through TIAA-administered employer retirement plans.

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.

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.

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.

Jamie Sawicki is a financial advisor with TIAA-CREF in New York, NY, holding a Series 66 designation and 10 years of industry experience. Prior to joining TIAA-CREF in 2018, Sawicki worked at Mass Mutual Investors Services and MSI Financial Services. Outside of his advisory role, he is a 50% owner of SUNWICKI LLC, a children’s clothing business. TIAA‑CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and discretionary managed account programs primarily to individuals connected to TIAA-administered employer retirement plans, as well as trusts, estates, and small retirement plans. The firm distinguishes between one-time planning services and ongoing managed accounts, applying a fiduciary standard across its offerings within a vertically integrated structure.

Colin Perrin is a financial advisor at TIAA-CREF with two years of industry experience. He holds the Series 66 designation and has worked at TIAA-CREF and Tiaa since 2022. Prior to his advisory role, he held positions outside the financial industry, including with Carolina Country Club and Lindy's Homemade LLC. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs to individuals, trusts, estates, and corporate entities, frequently serving clients connected to TIAA-administered employer retirement plans. The firm offers both point-in-time planning and ongoing portfolio management through various managed account options.

William Kelsey is a financial advisor with TIAA-CREF in New York, NY, holding a Series 66 designation and 12 years of industry experience. His background includes roles at HSBC Securities (USA) Inc. and Santander Securities LLC, as well as a position at New York Brain Spine and Joint. 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 financial planning and ongoing discretionary management through model and customized portfolios.

Alexander Paluzelli is a financial advisor at TIAA-CREF in New York, NY, holding Series 65 and Series 66 licenses with six years of industry experience. His career includes roles at Wells Fargo Clearing Services LLC, Morgan Stanley, and BNY Mellon Securities Corporation before joining TIAA-CREF. Outside of his advisory work, he and his wife rent rooms in their vacation home in Phoenix, Arizona, through Airbnb. TIAA‑CREF Individual & Institutional Services, LLC provides financial planning and managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients with ongoing relationships via TIAA-administered employer retirement plans. The firm’s advisory model distinguishes between point-in-time planning and ongoing discretionary management and acts as adviser to donor-advised funds while employing fiduciary standards within its vertically integrated structure.

Andrew Morales is a financial advisor at TIAA-CREF with 11 years of industry experience. He holds Series 63 and Series 66 designations and has worked at TIAA-CREF since 2018. Prior to that, he was employed at Scottrade Investment Management and Scottrade, Inc. Outside of his advisory work, he delivers packages for Amazon Flex. 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 pre-existing relationships through TIAA-administered employer retirement plans. The firm offers a range of services including model portfolio management and customized portfolio solutions under a fiduciary standard.

Marc Kirsch is a financial advisor at TIAA-CREF with a Series 66 designation and one year of industry experience. Prior to joining TIAA-CREF in 2026, he worked at TileBar and held roles with UCF Athletics Association, Inc. and La Salle University. 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 to TIAA-administered employer retirement plans. The firm offers point-in-time planning and ongoing portfolio management through model and customized strategies.

Richard Chung is a financial advisor at TIAA-CREF with seven years of industry experience. He holds a Series 66 designation and has worked previously at Morgan Stanley and Accenture. TIAA-CREF Individual & Institutional Services, LLC offers financial planning, discretionary managed accounts, and broker-dealer services primarily to individuals with existing TIAA employer retirement plan relationships, as well as trusts, estates, and corporate entities. 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 structure that uses affiliated funds.