I would not use TIAA or any other investment person. Just go to Vanguard, Fidelity or Schwab and put 10K in a total stock market fund and 10K in a total bond fund. Than add another 10K to each on down market days until you have 100K in each. Than just re-balance back to 50/50 as this market jumps up and down.
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Life is to short to drink cheap wine.
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