Provizr’s November 2026 market update covers inflation, AI investment risks, interest rates, and the midterm elections. No tactical portfolio changes this month.

A friendly Provizr guide for Michigan University employees who want clearer decisions around organizing retirement accounts for University couples, TIAA, Fidelity, 403(b), 457(b), and retirement planning.

Usually, you do. Your employer runs the plan and picks the investment menu, TIAA keeps the records and processes your requests, and you choose the investments. An outside advisor can manage the account inside the plan only through access you grant on TIAA's form, and at the University of Michigan the same split holds, with Fidelity as a second recordkeeper. It's easy to see "TIAA" on every statement and assume TIAA makes the investment decisions. In plain English, it doesn't,

A friendly Provizr guide for Michigan University employees who want clearer decisions around the myth that one provider is always cheaper, TIAA, Fidelity, 403(b), 457(b), and retirement planning.

A friendly Provizr guide for Michigan University employees who want clearer decisions around auditing a Fidelity account, TIAA, 403(b), 457(b), and retirement planning.

A friendly Provizr guide for Michigan University employees who want clearer decisions around beneficiary and household changes, TIAA, Fidelity, 403(b), 457(b), and retirement planning.

Usually, yes, but your contract decides how. SRA, GSRA, RCP and TIAA IRA contracts generally allow a lump sum with no surrender charge. RA, GRA and RC contracts generally pay money out in installments over several years. Your employer's plan rules sit on top of either. Below: each contract's rules, what you give up when money leaves, and how to check yours. Can I move money out of TIAA Traditional? Yes, in most cases, but your contract decides the route. TIAA sorts its contr