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Reply to "You're going to think I'm crazy"
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[quote=Anonymous]Just bits of possibly superfluous advice. TIAA wealth managers are likely CFPs with fiduciary responsibility if you ask them to ONLY advise as fiduciary. Otherwise they follow a lower standard and have conflicts of interest.Other staff are not fiduciaries. So be sure you ask them to act as fiduciary. Second, TIAA is biased towards annuitization and there are incentives to get you to annuitize and bring in new money Third, find out about liquidity of TIAA retirement accounts. We were shocked to find DH has over $1m and I have a few $100k in accounts that are mostly employer contributions. The only way to get money is by annuitizing or getting 10 yearly payouts. We would leave money on the table via annuities so are drawing down those accounts first. [/quote]
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