TIAA
- Company typePrivate
- Founded1918
- HeadquartersNew York, United States
- Headcount5,001–10,000
- GTM typeB2B and B2C
- OfferingServices
TIAA firmographics
Firmographics- Name
- TIAA
- Legal name
- Teachers Insurance and Annuity Association of America
- Website
- https://tiaa.org
- Company type
- Private
- Founded year
- 1918
- Operating status
- Operating
- Headcount range
- 5,001–10,000 employees
- Ownership category
- akta.pro rank
TIAA industry classification
Industry- Product category
- Retirement and Annuity Services
- NAICS
- Pension Funds (525110), Finance and Insurance (52)
- SIC
- Life Insurance (6311)
- akta.pro primary industry
- Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI)
- akta.pro secondary industries
- Corporate Retirement Plan Advisory RIAs (ERISA 401(k)/403(b)) (FSAAACAF), Annuity & Insurance-Based Retirement Solutions Advisory (FSAEABAH), Retirement Income Planning & Decumulation Advisory (FSAEABAD)
Keywords
Where TIAA is headquartered
LocationHeadquarters
- HQ city
- New York
- HQ country
- United States
- HQ region
- North America
Offices4 records
Markets served
TIAA business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Annuity Products: TIAA earns revenue through fixed and variable annuity products including TIAA Traditional and CREF accounts. Revenue comes from expense ratios, mortality and expense risk charges, and management fees on annuity assets under management. The company also shares profits with annuity owners through declared additional interest amounts.
- Investment Management: Revenue generated through investment management fees on mutual funds, retirement plan assets, and wealth management services. Includes expense ratios on CREF accounts that are among the lowest in the industry.
- Wealth Management Services: Fees from financial advisory and wealth management services offered to individuals with $100K+ in investments, including guided advice, dedicated advisor, and wealth management team services at various investment thresholds.
- Target-Date Solutions: Management fees from lifetime income target-date solutions that have reached $75 billion in AUM. TIAA and Nuveen command 54% market share of industry assets in this category.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | CREF Variable Annuities - Among lowest industry costs |
| Subscription | Annual | TIAA Traditional Fixed Annuity - Guaranteed growth and income |
| Subscription | Annual | Guided Advice - Eligibility: $100K-$250K in investments |
| Subscription | Annual | Dedicated Financial Advisor - Eligibility: $250K-$1M |
| Subscription | Annual | Dedicated Wealth Management Team - Eligibility: $1M+ |
| Other | Pay-as-you-go | TIAA IRA Accounts - No minimum deposit |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels6 records
TIAA product offering
Product offeringCore offering
TIAA is a financial services organization that provides retirement plans, fixed and variable annuities (TIAA Traditional and CREF), IRAs, mutual funds, life insurance, and wealth management services. It serves institutions in the education, healthcare, and government sectors through employer-sponsored plans and reaches individuals directly with personal retirement savings and advisory products, with a focus on guaranteed lifetime income solutions.
Differentiator
Problem solved
Functional benefit
Products and services
- TIAA Traditional Fixed Annuity A fixed annuity product offering guaranteed interest rates plus opportunity for additional interest through profit sharing. Designed for retirement savings with predictable growth and income for individuals and employer-sponsored plan participants.
- CREF Variable Annuities Variable annuity products managed by TIAA-CREF Investment Management with expense ratios averaging 0.24%, less than half the 0.95% industry average. Includes investment management, administrative, and distribution fees plus mortality and expense risk charges. Designed for retirement plan participants seeking diversified equity and bond exposure with lifetime income.
- Employer-Sponsored Retirement Plans
Quantifiable outcome
- 33% more to spend in first year of retirement by annuitizing one-third of savings with 4% withdrawal on remainder vs 4% withdrawal on entire balance
- +4 more outcomes
Companies that use TIAA
Customer profileNamed customers4 records
Segments5 records
Ideal customer profiles5 records
TIAA technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
AI capability8 records
Feature5 records
TIAA partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core and minor.
- TransamericacoreTransamerica partnered with T. Rowe Price and TIAA to launch IncomeSelect, a target-date-collective-trust-fund series designed to provide guaranteed lifetime income for eligible retirement plan participants. TIAA provides guaranteed income allocation while Mesirow Financial provides investment advice and T. Rowe Price handles glide path advisory services.
- T. Rowe PricecoreT. Rowe Price provides glide path advisory services for the IncomeSelect target-date collective trust fund series launched with Transamerica and TIAA, functioning as a qualified default investment alternative for retirement plans.
- Max GreysermanminorTIAA partnered with PGA TOUR professional Max Greyserman as Golf Ambassador to reach younger fans and investors through golf. Greyserman carries TIAA's logo on his yardage book, towel, and caddy's sleeve at PGA TOUR events, with public debut at the PGA Championship in May 2026.
- Lilia VuminorTIAA partnered with LPGA Tour professional and two-time major champion Lilia Vu as Golf Ambassador to expand awareness of retirement security to golf's growing female audience. Partnership leverages Vu's story as daughter of Vietnamese immigrants and success as first American to win two major championships in a single season since 1999.
- Jason DayminorTIAA partnered with PGA TOUR professional Jason Day as inaugural Golf Ambassador to promote retirement security among younger audiences, with Day wearing TIAA's logo at PGA TOUR events starting at The Masters.
- VanguardcoreVanguard and TIAA collaborated to launch Target Retirement Lifetime Income Trusts, a new retirement income solution incorporating TIAA's guaranteed lifetime income product. The solution integrates TIAA's Secure Income Account into Vanguard's existing target-date lineup, gradually allocating up to 25% of the portfolio to the annuity by age 65. This is Vanguard's first new target-date series since 2003.
- NuveencoreNuveen is the exclusive U.S. middle market direct lending business of TIAA and manages $63 billion in committed capital as of 2026. TIAA announced a $13.5 billion acquisition of Schroders by Nuveen, creating a combined entity managing nearly $2.5 trillion in assets.
- Churchill Asset ManagementcoreChurchill Asset Management manages over $63 billion in committed capital as of 2026 and serves as the US private capital affiliate of Nuveen (a subsidiary of TIAA), covering deal activity, GP-led secondaries, credit selection, co-investment dynamics, and manager selection.
Scale indicators10 records
Recent moves7 records
Expansion highlights6 records
TIAA competitors and assessment
Company assessmentBroad incumbents
- BlackRock: BlackRock is the world's largest asset manager with broad exposure to retirement, target-date funds, and institutional asset management. Through Nuveen, TIAA directly competes with BlackRock in institutional mandates, while iShares competes with Nuveen funds inside retirement plan lineups.
Direct peers
- Vanguard: Vanguard is both a direct competitor in retirement plans and target-date funds and a strategic distribution partner. Vanguard's first new target-date series since 2003 embeds TIAA's Secure Income Account, while Vanguard's low-cost index funds compete directly with TIAA's CREF and investment options in plan lineups.
- Jackson Financial: Jackson Financial is a direct competitor specializing in variable and fixed annuities, including registered index-linked annuities (RILAs). Jackson is recognized alongside TIAA in Corporate Insight's Annuity Monitor Awards and competes for the same retirement income dollar.
- Empower Retirement: Empower is a direct competitor in defined contribution record-keeping and retirement plans, particularly aggressive in winning corporate 401(k) plans. Empower is also a Corporate Insight benchmark leader alongside TIAA and Fidelity in digital experience.
- Principal Financial Group: Principal Financial is a direct competitor in employer-sponsored retirement plans, annuities, and wealth management. Principal is ranked alongside TIAA, Fidelity, and T. Rowe Price in Corporate Insight's top sponsor site homepage rankings.
- Lincoln Financial Group: Lincoln Financial is a direct competitor in annuities (fixed and variable), retirement plans, and life insurance. Lincoln Financial is recognized alongside TIAA, Jackson, and Equitable in Corporate Insight's Annuity Monitor Awards for digital experience.
- T. Rowe Price: T. Rowe Price is a direct competitor in retirement record-keeping, target-date funds, and mutual funds. T. Rowe Price provides glide path advisory for Transamerica's IncomeSelect, which embeds TIAA's guaranteed income, illustrating overlapping product lines and distribution channels.
- Voya Financial: Voya is a direct competitor in employer-sponsored retirement plans, annuities, and individual retirement solutions. Voya is ranked alongside TIAA, Fidelity, and Principal in Corporate Insight's sponsor site benchmark evaluations.
- Fidelity Investments: Fidelity is a direct competitor to TIAA across retirement plans (401(k)/403(b)), IRAs, mutual funds, and wealth management. Both rank at the top of Corporate Insight's digital experience benchmarks and serve employer-sponsored plans at scale, making them head-to-head rivals in TIAA's core markets.
Emerging players
- MassMutual: MassMutual is a mutual life insurance company with a growing retirement and wealth management franchise, structurally similar to TIAA's mutual ownership model. MassMutual competes in employer-sponsored retirement plans, annuities, and individual retirement solutions.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat7 records
Key risks6 records
Key highlights7 records
Customer concentration
TIAA social profiles
Digital presenceTIAA financial estimates
Financial estimateRevenue estimate
Valuation estimate
TIAA leadership team
Management profileNumber of profiles
Profiles10 records
TIAA subsidiaries and ownership
Company hierarchySubsidiaries8 records
TIAA funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
TIAA M&A and investment
M&A and investmentM&A6 records
Investments38 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about TIAA
What does TIAA do?
TIAA is a financial services organization that provides retirement plans, fixed and variable annuities (TIAA Traditional and CREF), IRAs, mutual funds, life insurance, and wealth management services. It serves institutions in the education, healthcare, and government sectors through employer-sponsored plans and reaches individuals directly with personal retirement savings and advisory products, with a focus on guaranteed lifetime income solutions.
Is TIAA a public or private company?
TIAA is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was TIAA founded?
TIAA was founded in 1918. It employs 5,001 to 10,000 people.
Where is TIAA based?
TIAA is headquartered in New York, United States, in the North America region.
How does TIAA make money?
Four revenue lines are on record. Annuity Products are the primary driver. The others are investment Management, wealth Management Services and target-Date Solutions.
Who are TIAA's main competitors?
BlackRock is listed as a broad incumbent. Direct peers are Vanguard, Jackson Financial, Empower Retirement, Principal Financial Group, Lincoln Financial Group, T. Rowe Price, Voya Financial and Fidelity Investments. MassMutual is listed as an emerging player.
Does TIAA have an API?
No public API is recorded for TIAA.
What industry is TIAA in?
TIAA's product category is Retirement and Annuity Services. Its primary akta.pro industry code is FSAAACAI, Insurance-Integrated Wealth Managers (RIA + Insurance Solutions), with a secondary code of FSAAACAF, Corporate Retirement Plan Advisory RIAs (ERISA 401(k)/403(b)). Its NAICS code is 525110 and its SIC code is 6311.