Palo Alto, CA Office
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TIAA-CREF
Enterprise
Firm-wide stats for TIAA-CREF
About
TIAA‑CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning, discretionary managed account programs (TIAA Portfolio Advisor, TIAA Personal Portfolio, and Private Asset Management), and separate broker‑dealer services to individuals—frequently those with pre‑existing relationships through TIAA‑administered employer retirement plans—as well as trusts, estates, partnerships, corporate entities, and small retirement plans. The firm also facilitates referrals to affiliated services such as TIAA Trust and serves as investment adviser to the TIAA Donor Advised Fund sponsored by Charityvest.
The firm’s advisory model separates point‑in‑time Planning Services (Life Goals Analysis and Personal Financial Plan), which end at delivery and are not monitored, from ongoing discretionary management through its managed account programs; PA and TPP rely on model portfolios while PAM offers customized portfolios managed by a dedicated portfolio manager under a client‑approved investment policy statement. TC Services applies a fiduciary standard to its RIA services but explains that the scope of that duty varies by service, and its managed accounts commonly use wrap‑fee structures and may include affiliated funds, which the brochure identifies and discloses as potential conflicts.
Noteworthy features include acting as adviser to a donor‑advised fund and operating within a vertically integrated group that uses affiliated funds; the brochure notes the firm generally relies on asset‑based and wrap fees rather than fixed fees and describes related conflicts and mitigation measures. The firm also discloses a series of regulatory enforcement matters (including SEC and state settlements, client restitution, and related remedial actions such as changes to compensation, training, disclosures, and supervision), which the brochure cites as informing its current compliance and supervisory practices.
Based on TIAA-CREF
Expertise
Based on TIAA-CREF
Location
535 Cowper St, Suite 200
Palo Alto CA 94301
Advisors at this office
4
Advisors at this office
Andreja D
Series 66
Palo Alto, CA
TIAA-CREF
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 N
Series 66, Series 63, Series 65
Palo Alto, CA
TIAA-CREF
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 S
Series 66, Series 63, Series 65
Palo Alto, CA
TIAA-CREF
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 S
Series 63, Series 66
Palo Alto, CA
TIAA-CREF
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.
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