Andreja Dugacki is a financial advisor at TIAA-CREF with eight years of industry experience. She holds a Series 66 designation and has previously worked at JP Morgan Securities, Merrill, and Bank of America. 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 relationships through TIAA-administered employer retirement plans. The firm offers various portfolio management options and acts as adviser to the TIAA Donor Advised Fund sponsored by Charityvest.

Robert Nicolosi is a financial advisor at TIAA-CREF with 22 years of industry experience. He holds Series 66, Series 63, and Series 65 designations. Prior to joining TIAA-CREF in 2016, he worked at Scottrade from 2014 to 2016. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and managed account programs to individuals, trusts, estates, and corporate entities, often serving clients with pre-existing relationships through employer retirement plans. The firm offers discretionary portfolio management through model and customized portfolios and acts as adviser to a donor-advised fund.

Timothy Salunga is a financial advisor with TIAA-CREF in Palo Alto, CA, holding Series 66, Series 63, and Series 65 licenses. He has 15 years of industry experience, including roles at Sigfig Wealth Management and TIAA-CREF. Outside of his advisory work, he co-owns a rental condominium in San Francisco with his wife. 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 connected to TIAA-administered employer retirement plans. The firm offers a range of advisory services including model portfolio management and customized portfolios overseen by dedicated portfolio managers.

Melissa Shaw is a financial advisor at TIAA-CREF with 14 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at TIAA-CREF since 2017. Prior to that, she was with Strategic Advisers, Inc. and Fidelity Brokerage Services LLC from 2011 to 2017. 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, often serving clients with existing relationships through TIAA-administered employer retirement plans. The firm provides a fiduciary standard for its advisory services and manages accounts through model portfolios or customized solutions.