2009-2010 Financial SEMINARS

Brought to You by Iowa State University

Human Resource Services & the Ames TIAA-CREF Office

Watch the Retirement Benefits Seminar on the Web 24/7

Learn about the process to retire from ISU and get your questions answered about retiree medical and dental insurance.

ISU Plan for faculty, P & S, and supervisory merit employees

State of Iowa plan for non-supervisory merit employees

Due to the recent financial crisis, there has been a great need and awareness in the community to learn about sound money management techniques. In an effort to reach out to students and members of the community, the College of Business at Iowa State University is offering a free, five-week seminar featuring experts in the field of finance.

The seminars take place on five consecutive Monday evenings from 6:30 to 8:30 p.m. in Carver Hall, room 101. They are free and open to the entire Ames and ISU community.

The first 90 minutes of each session will feature an expert on the subject matter, with the last 30 minutes reserved for questions from the audience.

Please register for these free seminars by sending an email to shobha@iastate.edu and indicate which dates you will be able to attend. Space is limited, so reserve your spot today.

For more information, visit: www.business.iastate.edu/events/financialliteracy.

TIAA-CREF Seminars

Maximum attendance is 40 persons per seminar.   Please pre-register.

To reserve your seat at the TIAA-CREF seminar(s) given below and/or to schedule a counseling appointment, please visit the website at www.tiaa-cref.org/moc or call Carrie Hardisty at the Ames TIAA_CREF Office at (515) 268-8601.

Save for Tomorrow, Start Today (New Entrant)

GETTING YOU TO AND THROUGH RETIREMENT. Are you interested in finding out how you can take advantage of your employer's retirement plan? It's easier than you think. This seminar will show you how.

Wednesday February 10, 2010 12 noon to 1 p.m. Memorial Union Gold Room

Thursday April 13, 2010 12 noon to 1 p.m. Memorial Union Gold Room

5 Habits of Highly Successful Investors

When you're beginning an investment strategy, you don't have to know everything about the financial markets, but you do need to grasp the essentials. Join us to find out what techniques investors use when making their investment decisions.

Target audience: All employees including C-based and D-based interested in investment basics.

Thursday September 24, 2009 12 noon to 1 p.m. Memorial Union Room Gold

Wednesday February 10, 2010 4:30 p.m. to 5:30 p.m. Memorial Union Room 3505

Staying on Track in a Volatile Market

It's generally known that volatility in equity markets is inevitable. In times like these, keeping a close eye on your investment strategy is more important than ever. We'll discuss market volatility in general, examples of notable market downturns in the past, and then identify some options for managing your account in the midst of changes in market conditions.

Tuesday October 20, 2009 12 noon to 1 p.m. Memorial Union Gold Room

Tax-Smart Ways to Save and Invest

Identifying potential areas for saving money involves three important steps: reducing the taxes you pay on earnings, reducing the amount you spend, and making choices that are 'tax smart,' so you can keep more of what you earn.

Tuesday September 22, 2009 12 noon to 1 p.m. Memorial Union Gold Room

Wednesday February 3, 2010 12 noon to 1 p.m. Memorial Union Gold Room

Tuesday April 6, 2010 12 noon to 1 p.m. Memorial Union Gold Room

A New Way To Save For Retirement... Introducing The Roth Option

Target Audience: All employees including C-based and D-based interested in after-tax savings that comes out at retirement tax-free.

You now have more flexibility with your retirement savings. Find out how making Roth contributions to your 403(b) can help you plan for the retirement lifestyle you've always imagined.

Wednesday September 9, 2009 12 noon to 1 p.m. Memorial Union Gold Room

Wednesday October 28, 2009 12 noon to 1 p.m. Memorial Union Gold Room

Tuesday March 2, 2010 5:30 p.m. to 6:30 p.m. Memorial Union Gold Room

Wednesday June 16, 2010 5:30 p.m. 6:30 p.m. Memorial Union Gold Room

Investing for Life's Goals (Developing an Investment Strategy)

GUIDANCE AT YOUR VARIOUS LIFE STAGES.   At TIAA-CREF, we have proudly served the long-term financial needs of individuals like you throughout their careers for over 90 years. We can help you improve your chances for a comfortable retirement...without giving up your life today.

Wednesday October 21, 2009 12 noon to 1 p.m. Memorial Union Gold Room

Wednesday March 24, 2010 12 noon to 1 p.m. Memorial Union Gold Room

A Woman's Money, A Woman's Future

Each phase of a woman's life brings unique financial challenges. With smart planning, you can make the most of your money, whether you're just starting out, single, married with a family, starting over, or in your golden years.

Speaker: Paige Cook, TIAA-CREF Consultant

Thursday October 22, 2009 4:30 p.m. to 5:30 p.m. Memorial Union Room 3505

Thursday March 25, 2010 4:30 p.m. to 5:30 p.m. Memorial Union Room 3505

Meeting Financial Challenges at Mid-Career

Living a hectic life makes saving for retirement and other financial goals quite challenging. Join us at our seminar to learn a few simple steps that can help put you on the right track to planning your future today.

Speaker: Jake Zehr, TIAA-CREF Consultant

Thursday October 8, 2009 5:30 p.m. to 6:30 p.m. Memorial Union Room 3512

Wednesday March 10, 2010 12 noon to 1 p.m. Memorial Union Gold Room

Your Retirement Income Options

Developing a sound financial strategy for retirement can make a big difference. If you're one year or less away from retirement, we can help you review your options and determine what to do next. Now is the time to get answers to some important questions and begin planning.

Wednesday November 4 2009 5:30 p.m. to 6:30 p.m.  Memorial Union Room 3512

Wednesday April 14, 2010 12 noon to 1 p.m. Memorial Union Gold Room

Thursday April 22, 2010 5:30 p.m. to 6:30 p.m. Memorial Union Gold Room

Tuesday July 13, 2010 5:30 p.m. to 6:30 p.m. Memorial Union Gold Room

Your Retirement: A Personal Journey, A New Beginning - How to plan what's best for you in the years to come.

WHAT'S YOUR VISION OF RETIREMENT? Enjoying a comfortable and potentially rewarding retirement will depend upon having enough income to live on in addition to good health and relationships with family and friends.  A sound retirement strategy can help make all the difference.

Speaker:  Paige Cook, TIAA-CREF Consultant

Thursday November 5 2009 12 noon to 1 p.m. Memorial Union Gold Room

Thursday July 15 2009 12 noon to 1 p.m. Memorial Union Gold Room

Understanding Social Security Benefits

Don't wait until you are planning retirement to learn about Social Security. This seminar, valuable to employees of all ages, will answer a full range of questions regarding Social Security including wage tests, when to begin your Social Security benefits, beginning Social Security when on Phased Retirement, changing over from disability to full Social Security benefits, spousal benefits, the application process, and how one signs up for Medicare (even if still working). Also included will be information about the future proposals for the Social Security program. There will be time available to answer your questions.  No preregistration is required.

Presenter: Elizabeth Gildea, Manager Ames Social Security Office

Tuesday, October 13, 2009 Noon to 1 p.m.  Memorial Union Room 3505

Tuesday, October 13, 2009 5:30 to 6:30 p.m.  Memorial Union Room 3505

IPERS

An IPERS representative will be as ISU monthly for individual appointments at the Memorial Union Room 3558.  If you or your spouse/partner have IPERS, take advantage of this opportunity to see your personal income projection and better understand how IPERS will work for you in retirement. 

To set up an appointment call 800 622 3849.

Mondays, September 14, 2009, February 15, 2010, October 5, 2009, April 19, 2010, June 14, 2010

Tuesdays, November 17, 2009, March 23, 2010, May 18, 2010, July 20, 2010

Thursday, January 21, 2010

Watch TIAA-CREF Seminars on the Web 24/7

TIAA-CREF financial education web seminars

Available seminars include:

Just Starting Out?  New to TIAA-CREF or New to Investing?

Designed for the new TIAA-CREF participant, this seminar will help individuals learn about:

-   The benefits of tax deferral,

-   The power of compounding interest, and

-   The advantage that a company match provides.

-   This web seminar also offers an overview of TIAA-CREF's products and describes how TIAA-CREF services can help the viewer.

Investment Check Up

Designed for the beginning to intermediate investor, this Web Seminar focuses on:

-   Budgeting issues,

-   Investment basics, and

-   The importance of asset allocation in meeting financial goals.

Are You on Target? On Track to Meet Your Financial Goals?

Approcirate for mid-career investors, this Web Seminar focuses on the fact that is never too late to save more.  Topics include:

-   How to determine your retirement savings gap,

-   Budgeting,

-   Estate planning, and

-   The importance of reviewing asset allocations.

A Tax Smart Way to Save for Retirement, Easy and Affordable Ways to Build Additional Assets

Designed for the new TIAA-CREF participant and the early to mid-career investor, the Web Seminar provides an overview of tax-deferred annuities from TIAA-CREF, including:

-   The advantages of supplemental retirement annuities (SRAs),

-   The importance of asset allocation, and

-   How to get started and enroll.

Ready, Set, Retire: 5-10 Years Away From Retirement

Designed for people that are 5 to 10 years away from retirement, topics include;

-   Determining how much income is needed in retirement,

-   How to organize finances, and

-   Reviewing asset allocations.

Retirement Countdown: One Year Until Retirement

Reviews all the way to take income from TIAA-CREF retirement funds.