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"Built for What's Next: Smarter Retirement Strategies."

Your clients are under pressure, and their employees are asking one critical question: will I be financially secure?

Research shows 45% of U.S. workers risk falling short in retirement. Consultants can add real value by guiding clients toward income-focused plan designs, stronger cybersecurity frameworks, diversified revenue strategies, and simplified structures like multiple employer plans. Better guidance today means stronger outcomes for the organizations and people you serve. 

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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. 

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. 

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. 

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

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