just got off the phone with tiaa/cref. so if you have a pension type fund (e.g. a state retirement but not a true pension), the give full advice as how to arrange your holdings. if you convert said fund to an roth ira, they give gen advice (e.g. % large cap, emerging markets, bonds, etc) to invest in but not specific funds. If you open a a brokerage window you can even invest in funds outside of tiaa/cref (e.g. vanguard, wells fargo etc). not really sure how i feel about only getting generally getting advice.....any thoughts?
