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 licenses. Prior to joining TIAA-CREF in 2016, Nicolosi worked at Edelman Financial Engines, Morgan Stanley, and Fisher Investments. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning and managed account programs primarily to individuals with existing relationships through TIAA-administered employer retirement plans, as well as to trusts, estates, partnerships, and small retirement plans. The firm offers discretionary management using model portfolios or customized strategies and serves as adviser to the TIAA Donor Advised Fund.

Timothy Salunga is a financial advisor at TIAA-CREF with 15 years of industry experience. He holds Series 63, Series 65, and Series 66 licenses and has worked at TIAA-CREF since 2016. Prior to that, he was with SigFig Wealth Management LLC and TD Ameritrade. Outside of his advisory work, he co-owns a rental condo with his wife. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs primarily to individuals connected to TIAA-administered employer retirement plans, as well as to trusts, estates, partnerships, and small retirement plans. The firm distinguishes between time-limited planning services and ongoing portfolio management, operating under a fiduciary standard and utilizing both model and customized portfolios.

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.