CONTENTS -- INTRODUCTION -- I: TIAA-CREF: An Overview -- 1 Why are retirement plans different in the nonprofit sector? -- 2 What is TIAA-CREF? -- 3 What is an annuity? -- 4 What is a fixed annuity? -- 5 What is a variable annuity? -- II: The Accumulation Phase -- 6 How does your TIAA-CREF account grow? -- 7 What is your Retirement Annuity? -- 8 What is your Supplemental Retirement Annuity account? -- 9 What are a Group Retirement Account and a Group Supplemental Retirement Account? -- 10 What is a Teacher's Personal Annuity Account? -- 11 How portable is your TIAA-CREF account? -- 12 How do TIAA-CREF plans differ from employer to employer? -- 13 When and how much should you contribute to your TIAA-CREF account? -- 14 How can you learn how your employer's plan works? -- 15 How should you allocate your TIAA-CREF contributions? -- 16 What are the TIAA investment choices? -- 17 What are the CREF investment choices? -- 18 What is the Transfer Payout Annuity? -- 19 How should you read your TIAA-CREF statements? -- 20 What happens to your statement if you have a Transfer Payout Annuity? -- 21 How can you take money out of your TIAA-CREF account prior to retirement? -- III: Preparing for Retirement -- 22 How should you go about your retirement planning? -- 23 How should you quantify assets, needs, and income? -- Critical Intermezzo -- 24 When and how should you review your estate plan?: A primer on estate planning -- IV: The TIAA-CREF Distribution Options -- 25 What is the Retirement Transition Benefit? -- 26 The heart of the matter: What sorts of annuities does TIAA-CREF offer? -- 27 What are the advantages and disadvantages of the different annuity choices? -- 28 Should you annuitize?: The pros and cons -- 29 Should you have an annuity partner? -- 30 What should you do if you are single?.

31 Can you make a charitable donation of your TIAA-CREF account? -- 32 What alternative does TIAA-CREF offer to its annuities? -- 33 What are the pros and cons of the Minimum Distribution Option? -- 34 If your employer's plan allows, should you withdraw your money from TIAA-CREF when you retire? -- V: Estate Planning for a TIAA-CREF Account -- 35 What are we talking about? -- 36 What are the benefits of estate planning for your retirement account? -- 37 Who should be your designated beneficiaries?: A quick review -- 38 A quick summary of where we have been and where we are going -- 39 How does the federal estate tax affect this plan? -- 40 How can you reduce the size of your taxable estate? -- 41 How should your estate plan deal with the estate tax? -- 42 How do you pay for second-to-die life insurance? -- 43 How do you preserve the insurance policy from estate taxation? -- 44 What effect does your or your spouse's not being an American citizen have on your estate plan? -- 45 How should you weigh these factors? -- VI: Conclusion -- APPENDIX A: Contribution Limitations Under Section 403(b) of the Code and Related Sections -- APPENDIX B: The Internal Revenue Service Mortality Table upon Which Life Expectancies are Computed for the MDIB Rules and Related Sections -- APPENDIX C: Table Under the MDIB Rules for the Percentage of the Participant's Annuity That Can Be Paid to an Annuity Partner Who Is Not a Spouse Depending on Age Difference -- APPENDIX D: Accumulation of Retirement Assets -- APPENDIX E: Delay Is Costly -- APPENDIX F: Investment Growth (Tax-Deferred Account, Non Inflation Adjusted) -- APPENDIX G: Investment Growth (Taxable, Non Inflation Adjusted) -- GLOSSARY -- A -- C -- D -- E -- F -- G -- H -- I -- L -- M -- P -- Q -- R -- S -- T -- Y -- SELECTED BIBLIOGRAPHY -- INDEX -- A -- B -- C -- D -- E -- F -- G -- H -- I -- J -- K -- L -- M -- N.

O -- P -- Q -- R -- S -- T -- U -- V -- W -- Y.