Bob, Ben:I've got over $900K in TIAA-CREF (almost all of it in traditional TIAA) and an equal amount in Schwab and cash.I asked the TIAA-CREF guy back in May to send me the paperwork so that I could begin annual withdrawals from TIAA to shift into my CREF mix of Vanguard funds: 50% VBAIX, 25% VITSX, 20% VTSNX, 5% VEMIX. (I chose that mix myself.) I asked him again last Thursday when I met with him the second time. I am still waiting ... but not much longer.Bob, thank you for your offer -- and I may take you up on it at some point. But for now, I'm going to talk with the top guy at the local TIAA-CREF office and get some answers. (I'm at U. Mich. I'd like to think that we are a pretty good customer for TIAA-CREF.)I did a bit of research on the recommended funds. Some of them look fine. But some of them have things like 2% loads, fairly high fees (compared to Vanguard) and 2-star ratings. Plus the .55% overall management fee. I wouldn't go so far as to call it a ripoff, but I am not happy with the advice.