Gavin Masa is a financial advisor at TIAA-CREF with one year of industry experience. He holds a Series 66 designation and has worked at TIAA-CREF and Tiaa since 2025. His prior experience includes roles at Lowe's Home Improvement and Housatonic Partners. 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 through TIAA-administered employer retirement plans. The firm combines planning services with ongoing portfolio management and acts as adviser to a donor-advised fund.

Neal Acharya is a financial advisor with TIAA-CREF in Charlotte, NC, holding Series 63 and Series 66 credentials and bringing 11 years of industry experience. He has been with TIAA since 2014. TIAA‑CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning, discretionary managed account programs, and broker-dealer services to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients connected to TIAA-administered employer retirement plans. The firm’s advisory model distinguishes between point-in-time financial planning and ongoing discretionary management, utilizing model portfolios and customized strategies under a fiduciary standard.

Joshua Scott is a financial advisor with TIAA-CREF, holding a Series 66 designation and 15 years of industry experience. He has been with TIAA since 2014. Outside of his advisory role, he serves as treasurer for his neighborhood homeowners association. 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 pre-existing relationships through TIAA-administered employer retirement plans. The firm combines point-in-time planning with ongoing portfolio management under a fiduciary standard and acts as adviser to donor-advised funds within a vertically integrated group.

Patrick Fleming is a financial advisor at TIAA-CREF in Charlotte, NC, with six years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at firms including Horace Mann Investors, Vanguard Advisers, and Lincoln Financial Distributors. 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 TIAA retirement plan relationships. The firm separates one-time planning services from ongoing portfolio management and acts as adviser to a donor-advised fund while operating within a vertically integrated group using affiliated funds.

Alexandria Haden is a financial advisor with TIAA-CREF in Charlotte, NC, holding a Series 66 designation and six years of industry experience. Her prior roles include positions at Fidelity Personal and Workplace Advisors and AIG Retirement Services. TIAA-CREF Individual & Institutional Services, LLC 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 employer retirement plans. The firm provides a fiduciary advisory model separating point-in-time planning from ongoing portfolio management, and also acts as an adviser to a donor-advised fund.

Ryan McCartney is a financial advisor at TIAA-CREF with a Series 66 designation and five years of industry experience. His prior work includes positions at Robinhood Financial, UBS Financial Services, Stifel, Nicolaus & Company, and Northwestern Mutual. He also worked at High Point University and Silver Point Beach Club in earlier roles. 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 both point-in-time financial planning and ongoing portfolio management within a vertically integrated structure that includes affiliated funds and donor-advised fund advisory services.

Coty Consic is a financial advisor with TIAA-CREF, holding Series 63 and Series 66 licenses and eight years of industry experience. He has worked at several firms including Bank of America, Merrill, Vanguard Advisers, and The Vanguard Group. His background also includes a brief role at Doordash and experience in marketing and operations at Wooden Robot Brewery. 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 TIAA-administered employer retirement relationships. The firm offers both point-in-time planning and ongoing portfolio management, operating within a vertically integrated group that includes affiliated funds and donor-advised fund services.

Robert Treff is a financial advisor with TIAA-CREF in Charlotte, NC, holding Series 63 and Series 65 designations and bringing 27 years of industry experience. He has been with TIAA-CREF since 2005. 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 through employer retirement plans administered by TIAA. The firm combines point-in-time planning services with ongoing portfolio management using model or customized strategies and acts as adviser to a donor-advised fund.

Ethan Cummings is a financial advisor with TIAA-CREF in Charlotte, NC, holding a Series 66 designation and one year of industry experience. Prior to joining TIAA-CREF, he worked at Carolina Housing and Harris Teeter. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and discretionary managed account programs to individuals with pre-existing relationships through employer retirement plans, as well as trusts, estates, and small retirement plans. The firm operates a vertically integrated advisory model that separates point-in-time planning from ongoing portfolio management.

Alfredo Negrete Abreu is a financial advisor at TIAA-CREF with two years of industry experience. He holds a Series 66 designation and has previously worked at firms including Merrill, UBS Financial Services, and Fisher Investments. Outside of his advisory role, he works as a rideshare contractor for Uber Technologies. TIAA-CREF’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 pre-existing relationships through employer retirement plans. The firm provides both point-in-time planning and ongoing managed account services, utilizing model and customized portfolios managed under client-approved investment policies.

James Linsenmayer is a financial advisor at TIAA-CREF with 24 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Merrill, UBS Financial Services, and Wells Fargo Clearing. Linsenmayer is based in Charlotte, NC. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning and discretionary managed account programs primarily to individuals connected with TIAA-administered employer retirement plans, as well as trusts, estates, and corporate entities. The firm offers a range of advisory services including model and customized portfolio management under fiduciary standards and serves as adviser to a donor-advised fund.

Kayla Stern is a financial advisor with TIAA-CREF, holding a Series 66 designation and nine years of industry experience. She has worked at TIAA-CREF since 2018 and previously held positions at TD Ameritrade and Scottrade. Outside of financial advising, she owns an Etsy shop specializing in children's clothing. TIAA-CREF Individual & Institutional Services, LLC offers financial planning and discretionary managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients with TIAA-administered employer retirement plans. The firm combines point-in-time planning services with ongoing discretionary portfolio management under a fiduciary standard.

Christopher Horne is a financial advisor at TIAA-CREF with six years of industry experience. He holds a Series 66 designation and has worked at TIAA-CREF since 2017, including his current role from 2020. Prior to joining TIAA, he was employed at SABIC for three years. 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. The firm serves clients often connected through TIAA-administered employer retirement plans and acts as adviser to a donor-advised fund, utilizing a fiduciary standard within a vertically integrated structure.

Jacob Whitaker is a financial advisor at TIAA-CREF with seven years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America, Merrill, Waddell and Reed, and Target Corporation. Whitaker also serves as a soldier in the United States Army Reserve. 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 TIAA-administered employer retirement plan relationships. The firm offers advisory services that combine one-time financial planning with ongoing portfolio management through model and customized portfolio options.

Samaria Frazier is a financial advisor with TIAA-CREF in Charlotte, NC, holding Series 63 and Series 66 licenses and bringing 22 years of industry experience. She has been with TIAA and TIAA-CREF Individual & Institutional Services since 2001. Outside of her advisory role, she owns and manages rental property. TIAA-CREF Individual & Institutional Services 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 also offers referrals to affiliated services and acts as adviser to a donor-advised fund.

Thomas Qualls is a financial advisor at TIAA-CREF with a Series 66 designation and one year of industry experience. His prior work includes roles at Smurfit Westrock, State Farm, and Americap, as well as various positions connected to educational and recreational organizations. TIAA-CREF Individual & Institutional Services, LLC provides financial planning, discretionary managed account programs, and broker-dealer services primarily to individuals with pre-existing relationships through TIAA-administered employer retirement plans, as well as trusts, estates, and other entities. The firm’s advisory model distinguishes between one-time planning services and ongoing discretionary portfolio management.

Katherine Mazzucco is a financial advisor at TIAA-CREF with eight years of industry experience. She holds Series 63 and Series 65 licenses and has worked at TIAA and Alight Financial Advisors, LLC. Prior to her advisory roles, she was employed at Branch Banking & Trust Company and the University of North Carolina at Charlotte. TIAA-CREF Individual & Institutional Services, LLC offers financial planning, discretionary managed account programs, and broker-dealer services primarily to individuals connected with TIAA-administered retirement plans, as well as trusts, estates, and corporate entities. The firm’s advisory model distinguishes between one-time planning services and ongoing portfolio management, utilizing both model and customized investment strategies.

Andrew Bain is a financial advisor at TIAA-CREF with 27 years of industry experience. He has been with TIAA-CREF since 2005 and holds Series 63 and Series 65 licenses. 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 offers point-in-time planning services alongside ongoing portfolio management, using both model and customized portfolios, and serves as adviser to a donor-advised fund within a vertically integrated investment structure.

Christine Dixon is a financial advisor with TIAA-CREF in Charlotte, NC, holding Series 63 and Series 65 licenses and 22 years of industry experience. She has been with TIAA-CREF since 2005. TIAA-CREF Individual & Institutional Services, LLC 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 planning and ongoing discretionary management, applying a fiduciary standard across its services.

Nicholas Chambers is a financial advisor at TIAA-CREF in Charlotte, NC, holding a Series 66 designation with one year of industry experience. His prior work experience includes roles at Bankers Life, Modern Woodman Fraternal Financial, and Fastenal, among others. Outside of financial services, he was involved with Macs Speed Shop. 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, and small retirement plans. The firm’s advisory approach includes distinct planning services and ongoing discretionary management, utilizing model and customized portfolios within a fiduciary framework.