TIAA Gold IRA Rollover
After decades of work, your TIAA account represents real money—money you earned one paycheck at a time. Here's exactly how to move it to a Gold IRA without taxes or penalties.
This is simpler than it sounds. TIAA (Teachers Insurance and Annuity Association) primarily serves educators, healthcare workers, and non-profit employees. Their rollover process can be more complex due to annuity products.
Nervous About Doing This Yourself?
Most people are. Augusta calls TIAA for you, handles all the paperwork, and makes sure nothing goes wrong.
Step-by-Step: Rolling Over Your TIAA Account
Your Gold IRA company handles most of this. You just need to know what's happening.
Review your TIAA account for any surrender charges
Set up your Gold IRA account
Call TIAA at 800-842-2252 to discuss rollover options
Request the Transfer/Rollover form
Complete and submit with Gold IRA custodian details
TIAA processes the rollover (may take 10-15 days)
How Long Does This Take?
Here's what to expect once you start the process.
What Helps
- Check for surrender charges on annuity contracts
- Some TIAA plans have 10-year surrender periods
- 403(b) rollovers may have different rules than 401(k)s
- Your HR department can clarify plan-specific restrictions
Things to Avoid
- TIAA Traditional annuities may have withdrawal restrictions
- Some employer plans don't allow in-service rollovers
- Surrender charges can be 5-10% in early years
TIAA Rollover Process Details
TIAA serves educators and non-profit employees. Rollover rules vary by employer plan, and some TIAA accounts have surrender charges or restrictions.
If You Want to Call Yourself
Here's TIAA's rollover line. Or let Augusta handle it for you.
Skip the Phone Calls
Augusta contacts TIAA for you, handles all the paperwork, and makes sure your rollover goes smoothly. No cost to get started.
Get Free Rollover KitHave an Account Somewhere Else?
Principal Financial
Employer PlanPrincipal Financial Group administers retirement plans for thousands of employers. Their rollover process varies by plan but generally follows standard procedures.
Empower Retirement
Employer PlanEmpower Retirement serves over 17 million participants across employer-sponsored plans. They've consolidated several major recordkeepers including MassMutual and Great-West.
John Hancock
Employer PlanJohn Hancock is a major provider of employer-sponsored retirement plans, particularly in the small to mid-size business market.
Common Questions About TIAA Rollovers
Straight answers. No financial jargon.
How long is this going to take?
TIAA rollovers typically take 10-15 business days. You'll need to call their rollover department, but your Gold IRA company can handle that for you.
Will I owe taxes on this?
No. A direct rollover from TIAA to a Gold IRA is 100% tax-free. The money goes straight from one account to the other—you never touch it. No taxes, no penalties. It's the same money, just in a different account.
What happens to my current investments?
Your stocks, bonds, or mutual funds at TIAA get sold and converted to cash. That cash then transfers to your Gold IRA, where you use it to buy physical gold. Your Gold IRA company walks you through choosing the right metals.
You Built This. Now Protect It.
After years of saving with TIAA, your retirement deserves real protection. Augusta handles everything—they call TIAA, complete the paperwork, and make sure your money is safe every step of the way.