_\
I 1
THEY HAD HELP WRITING THE
NEW TAX LAWS. SHOULDN’T YOU HAVE
HELP FIGURING THEM OUT?
It took 535 congresspeople — and countless
lawyers, economists, and advisors — to turn
out the new tax laws. Fortunately, you can
turn to one expert source for answers on the
options and opportunities they provide.
Ask TIAA-CREF about the new
Roth FRA and other ways to save.
TIAA-CREF IRAs can make it easier than
ever to save for retirement and other goals
as well. We ll explain the new Roth, Classic,
and Education IRAs, discuss whether
consolidating your existing IRA savings
makes sense, and help you design an effective
tax-savings strategy.
What s more, new eligibility rules may now
make it possible for you or your spouse to take
greater advantage of TIAA-CREF for more of
your long-term planning needs.
We wrote the book on
retirement planning.
After all, these aren’t the first ’’new’’ tax laws
we’ve seen in our 80 years of service to education,
research, and related fields. Nor is it the first time
we’ve helped people like you make the most of them.
Find out how TIAA-CREF’s range of investment
choices, low expenses, and commitment to service
can work for you. Call us at 1 800 842-2776
(8 a.m.-l 1 p.m. ET weekdays).
Visit our Web site at www.tiaa-cref.org
Ensuring the future
for those who shape it. "
For more complete information, including charges and expenses, call I 800 842-2733. ext. 5509 lor the CRFF and TIAA Real Estate Account prospectuses and call I 800 223-1200 lor a TIAA-CREF Mutual Funds prospectus. Read the
prospectuses carelullv before you invest or send money. CREF certificates and interests in the TIAA Real Fistate Account are distributed by TIAA-CREF' Individual and Institutional Services. TIAA-CREF' Mutual Funds are distributed
by Teachers EVrsona! Investors Services. The TIAA-CREF contributory Classic , Roth IRA, and Rollocer IRA are available subject to approval bv state regulators agencies. The product is not currentlv available in every slate.