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"The Common Thread"

What should consultants look for when evaluating state retirement plan adequacy?

TIAA Institute analyzed 85 retirement systems nationwide and found that plan design alone doesn't guarantee success in reaching the 80% income replacement benchmark. But one factor changes everything: Social Security—yet 20% of plans don't include it, putting your clients' public servants at risk.

Discover what separates plans that deliver retirement security from those that fall short—and how to position your recommendations accordingly.

 

 

This material is for informational or educational purposes only and is not fiduciary investment advice, or a securities, investment strategy, or insurance product recommendation. This material does not consider an individual’s own objectives or circumstances which should be the basis of any investment decision.

TIAA-CREF Individual & Institutional Services, LLC, Member FINRA, distributes securities products. Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY. Each is solely responsible for its own financial condition and contractual obligations.

Advisory services are provided by Advice & Planning Services, a division of TIAA-CREF Individual & Institutional Services, LLC, a registered investment adviser.

Investment, insurance and annuity products are not FDIC insured, are not bank guaranteed, are not deposits, are not insured by any federal government agency, are not a condition to any banking service or activity, and may lose value.

©2026 Teachers Insurance and Annuity Association of America-College Retirement Equities Fund, New York, NY

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