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I have TIAA-CREF accounts from two universities. I no longer work in higher ed & now have a regular 401K retirement plan. I am not sure if I want to keep my money in TIAA CREF or roll it over. I know that it will take 10 years to move all my TIAA guaranteed annuity money over, but I can roll over all my other money at once (at least for my most recent employer - have to dig out the plan documents to find out about the first employer).
I am just not sure ... wondering if I should just leave the money where it is. I really don't understand how TIAA CREF works. I am really intelligent in most areas, but the whole annuity thing makes my eyes glaze over & numbs my brain for some reason. I just don't get it.
I think I probably really need to talk to a financial planner. But how the heck do I choose one who will just look at my situation and give me unbiased advice?
I am clueless. Any advice?
(By the way, this is one thing that s**ks about being 50+ ... I have to take this stuff way more seriously than I ever did)