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Tiaa-Cref Individual & Institutional Services

SEC-registered adviser since 2004New York, NYCRD 20472

$37.9B
AUM
72,503
Clients
See fees
Fee
1,020
Advisory staff

From Form ADV filed 6 July 2026 · data retrieved 15 October 2026SEC record

Tiaa-Cref Individual & Institutional Services is an investment adviser headquartered in New York, New York, and registered with the SEC since 2004. Its clients include high-net-worth individuals, other individuals, and corporations and other businesses. High-net-worth individuals account for 78% of its regulatory assets under management.

Its services include financial planning, portfolio management for individuals and small businesses, selecting other managers, and educational seminars. Fee arrangements include a percentage of assets under management and other arrangements. Teachers Insurance and Annuity Association of America owns 75% or more of Tiaa-Cref Individual & Institutional Services.

Clients

Tiaa-Cref Individual & Institutional Services serves 72,503 clients, 46,802 of them high-net-worth individuals. The average client has about $523,000 with the firm, and high-net-worth clients hold 78% of its $37.9 billion in assets.

Regulatory assets by client type
  • Individuals25,667 clients22%
  • High-net-worth individuals46,802 clients78%
  • OtherCharitable organizations, Corporations and other businesses0%
Show client breakdown
Individuals (other than HNW)
Clients
25,667
Regulatory AUM
$8,354,878,907
Share
22.0%
Avg. per client
$326K
High-net-worth individuals
Clients
46,802
Regulatory AUM
$29,556,835,084
Share
77.9%
Avg. per client
$632K
Charitable organizations
Clients
14
Regulatory AUM
$6,179,563
Share
0.0%
Avg. per client
$441K
Corporations and other businesses
Clients
20
Regulatory AUM
$10,708,234
Share
0.0%
Avg. per client
$535K

Total

Clients
72,503
Regulatory AUM
$37,928,601,788
Share
100%
Avg. per client
$523K

What it does

Tiaa-Cref Individual & Institutional Services provides financial planning, portfolio management for individuals and small businesses, selecting other managers and educational seminars. It is paid through a percentage of assets and other arrangements.

Tiaa-Cref Individual & Institutional Services provided financial planning to 102,500 clients last fiscal year and advises no private funds.

100.0% of assets ($37.93B across 72,503 accounts) are managed with discretion. $37.93B sits in a wrap fee program the firm both sponsors and manages. 0% of clients are outside the U.S., and 35,647 clients received advice without assets under management last fiscal year.

What the accounts hold

Separately managed account assets by class, year end
  • Funds99%
  • Cash1%

Custodians

Tiaa-Cref Individual & Institutional Services’ client accounts are held mainly at Pershing, with 100% of managed assets. Tiaa-Cref Individual & Institutional Services has custody of $10.64B for 25,564 clients.

Managed account assets by custodian
  • PershingPershing LLC · Jersey City, NJ · $37.93B100%

Ownership and leadership

Teachers Insurance and Annuity Association of America owns 75% or more of Tiaa-Cref Individual & Institutional Services.

Who owns the firm
Tiaa-Cref Individual & Institutional Services, LLC· the adviser

  • Teachers Insurance and Annuity Association of America

    Control person · since September 1990

    Owns 75% or more of Tiaa-Cref Individual & Institutional Services, LLC

Leadership

  • Julian Mauro D Ambrosi
    President, CEO, Elected Manager
  • Shankar Saravanan
    Vice President, Elected Manager
  • Eloho Isimeme Ovhori
    Chief Financial Officer
  • Ross Hamlet Abbott
    Chief Operating Officer, Elected Manager
  • Jeremy Intihar
    Chief Compliance Officer - Registered Investment Adviser
  • Scott William Weinstein
    Chief Compliance Officer - Broker Dealer
  • Helen Gwyn Barnhill
    Chief Legal Officer
  • Raymond John Bellucci
    Elected Manager
  • James Deats
    Elected Manager
  • Derek James Heaslip
    Elected Manager
  • Benjamin Herbert Lewis
    Elected Manager
  • Niladri Mukherjee
    Elected Manager
  • Christopher Eugene Stickrod
    Elected Manager

Staff

  • 1,293 employees
  • 1,020 in advisory functions
  • 1,099 state-registered reps
  • 1,190 broker-dealer reps
  • 1,089 insurance agents

Reported holdings

Tiaa-Cref Individual & Institutional Services’ reported 13F holdings total $29.05B across 751 positions, and the ten largest make up 42.1% of it.

$29.05B
Reported 13F value
751
Positions
42.1%
In the 10 largest
+11.7%
Value vs. prior quarter
Ten largest positions, share of reported value
  1. iShares Core MSCI Eafe ETF · Exchange Traded Fund6.6%
  2. Vanguard Mrngstar GR Etf-sui · Exchange Traded Fund6.1%
  3. Vanguard Mrngstr Val Etf-aui · Exchange Traded Fund5.1%
  4. Vanguard FTSE Developed ETF · Exchange Traded Fund5.0%
  5. iShares Russell Top 200 Grow · Exchange Traded Fund4.8%
  6. iShares Russell Top 200 Valu · Exchange Traded Fund3.6%
  7. iShares Core MSCI Emerging · Exchange Traded Fund3.6%
  8. iShares Mbs ETF · Exchange Traded Fund2.5%
  9. Vanguard Russell 1000 Growth · Exchange Traded Fund2.5%
  10. iShares Core U.S. Aggregate · Exchange Traded Fund2.4%

Together, the ten largest are 42.1% of reported value.

The 50 largest positions and quarterly changesQuarter ended 30 June 2026 · filed 10 August 2026

A 13F covers only exchange-traded long positions the firm holds with discretion, so this $29.05B is not its $37.93B in regulatory assets and does not represent any individual client's portfolio.

Fees

Tiaa-Cref Individual & Institutional Services is paid through a percentage of assets under management and other.

Tiaa-Cref Individual & Institutional Services’ fee rates are not included in this profile. Find its brochure on the SEC’s site.

Offices and registrations

Besides its headquarters, Tiaa-Cref Individual & Institutional Services has 143 offices, with 26 listed addresses across 16 states.

Listed office addresses by state

New York · 3 listed addresses

  • 730 Third Avenue, New YorkHQ
  • 730 Third Avenue, New York
  • 58 South Service Road, Melville

Other business names

Tiaa-Cref Individual & Institutional Services has reported 1 other business name to the SEC.

  • Advice & Planning Services

Registration details

Legal name
Tiaa-Cref Individual & Institutional Services, LLC
Headquarters
730 Third Avenue, New York, NY 10017-3206
Phone
212-490-9000
Website
www.tiaa.org
SEC file
801-63550
Structure
Delaware LLC
Fiscal year end
December

This directory does not report disciplinary history, for any firm or individual, in either direction. The SEC publishes the complete record, including any disciplinary events, and it is the authoritative place to check one. See this firm's record on adviserinfo.sec.gov

Common questions

How many clients does Tiaa-Cref Individual & Institutional Services have?

Tiaa-Cref Individual & Institutional Services has 72,503 clients and manages $37.9 billion for them, as of July 2026. They include 46,802 high-net-worth individuals, 25,667 other individuals and 20 corporations and other businesses.

Source: Form ADV Part 1A, Items 5.D and 5.F, filed 6 July 2026

What services does Tiaa-Cref Individual & Institutional Services offer?

Tiaa-Cref Individual & Institutional Services provides financial planning, portfolio management for individuals and small businesses, selecting other managers and educational seminars.

Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file

Which custodians does Tiaa-Cref Individual & Institutional Services use?

Tiaa-Cref Individual & Institutional Services’ separately managed account assets are held at Pershing LLC (Jersey City, NJ), with $37,928,601,788. Only custodians holding at least a tenth of those assets are named.

Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 6 July 2026

How many financial advisors does Tiaa-Cref Individual & Institutional Services have?

Tiaa-Cref Individual & Institutional Services has 1,099 investment adviser representatives registered with state securities authorities, out of 1,293 employees, and 1,020 perform investment advisory functions. 1,190 are registered representatives of a broker-dealer and 1,089 are licensed insurance agents.

Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file

What does Tiaa-Cref Individual & Institutional Services invest in?

At the end of its last fiscal year, Tiaa-Cref Individual & Institutional Services’ separately managed accounts held 99% registered funds (mutual funds, ETFs, BDCs) and 1% cash and equivalents. It advises no private funds of its own.

Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file

Who owns Tiaa-Cref Individual & Institutional Services?

Tiaa-Cref Individual & Institutional Services is owned through a holding company by Tiaa Board of Governors. Its direct owner is Teachers Insurance and Annuity Association of America (75% or more).

Source: Form ADV Part 1A, Schedules A and B, filed 6 July 2026

How does Tiaa-Cref Individual & Institutional Services get paid?

Tiaa-Cref Individual & Institutional Services is paid through a percentage of assets under management and other arrangements. Its Form ADV lists no commissions or performance-based fees among how it is paid.

Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file

Sources

  1. Form ADV Part 1A, amendment filed 6 July 2026. Items 1, 5, 9, 11 and Schedules A, B and D.
  2. IAPD firm record, CRD 20472.
  3. Form 13F-HR, filed 10 August 2026 for the quarter ended 30 June 2026.

Retrieved 15 October 2026. All are published by the SEC and may have been amended since.

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This profile is compiled from public regulatory filings and is provided for informational purposes only. Niva Wealth is not affiliated with Tiaa-Cref Individual & Institutional Services, LLC and makes no representation about the quality of its services. Figures reflect the filing dates shown and may have changed. Ownership percentages are the bands reported to the SEC, not exact figures.