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"Negative" doesn't have to mean "bad." In higher education, it’s a reality we need to manage, not fear. There is often a deep-seated fear that analyzing program economics will expose "money-losing" courses. In this Financial Leaders Exchange, Jaime Ontiveros explains that having a negative margin in certain areas is a normal part of the academic mission. The real goal isn't to cut every program in the red—it's to use data to understand your cross-subsidies so you can intentionally fund the programs that define your identity. It’s time to move the conversation from "hunches" to hard data. https://lnkd.in/gxSzXraR

If you could go back and give your younger self one piece of financial advice, what would it be? We asked that very question and the answers were powerful, honest, and inspiring. At TIAA, we believe it is never too early or too late to start planning for your future. Let us know what you would tell your younger self. 🏀💡 #LockInTheWin

Avoiding the long-term care conversation doesn’t eliminate the burden on your family. It just delays it. Planning for long-term care starts with transparent conversation and understanding. From insurance decisions to legal documents, the right preparation today prevents difficult decisions during a health crisis. Learn how to approach long-term care planning with your family. https://lnkd.in/gQpFmn99 #TIAAWealthManagement #FinancialPlanning

A budget isn't just a spreadsheet—it's the infrastructure that allows your institution to breathe. We often treat budgeting as an annual technical exercise, but Jaime Ontiveros views it as the "piping" of the university. If the pipes are broken, it doesn't matter how great the rest of the house looks; the foundation won't function. In this clip, we discuss why a transparent, modernized budget model is fundamental to effective resource stewardship and long-term institutional health.

Participants need trustworthy guidance on retirement planning—and they're looking to you. As plan providers and advisers, we're uniquely positioned to close the confidence gap. New TIAA + WSJ Intelligence research reveals more insights: https://lnkd.in/ggkbjSji Custom Content from WSJ

This is what showing up for your community looks like. At this year's Big Ten Conference Tournament, TIAA donated $50,000 to Chicago Scholars, an organization dedicated to empowering the next generation of students. At the Ivy League Sports Tournament, TIAA donated $10,000 to Scholarship America, continuing their commitment to investing in students and their futures. #LockInTheWin 🏀🎓

At TIAA, investing in the next generation isn't just part of our mission — it's something we live out every day. This year, we had the privilege of welcoming bright, ambitious students to our annual IGNITE Career Exploration event. It's a space where young leaders discover their potential, ask bold questions, and begin charting their paths forward. During the event, students connected with Chief Administrative Officer Derek Ferguson and leaders from across the organization. Together, they explored what it means to build a meaningful career, lead with purpose, and take ownership of their financial futures. We're proud to invest in these future leaders — and we can't wait to see the mark they'll leave on the world.

Most employees think their retirement plan includes guaranteed income—but over half don't know for sure. Modernizing your default investment can bridge the savings-to-income gap and deliver more security that lasts.

At TIAA, our employees don't just find colleagues, they discover community. For Phyllis, she discovered family, literally! Her journey started 44 years ago when several relatives brought her to TIAA. Phyllis credits her peers as the heart of why she shows up every day. Processing TIAA Annuity payments, she helps our annuitants support their families. She understands what family means both personally and in her vital work helping others care for theirs. For over four decades, Phyllis has shaped countless colleagues and helped define who we are as a company.

Since their introduction in 1996, 529 plans have helped families save for education expenses while enjoying tax advantages, flexible investment options, and the compounding power of long‑term growth. Today, they remain one of the most popular ways to expand access to higher education while helping to alleviate the burden of student loan debt. As 529 plans turn 30, millions of Americans continue to benefit—by saving for a child, grandchild, or even their own education and career training. With evolving features and growing awareness, the future of education savings has never looked brighter. Learn more about how a TIAA 529 plan can support your family’s goals: www.tiaa.org/529plans