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<...suggest that you push the TIAA-CREF advisor for their in-depth, free analysis.>

Absolutely! I intend to do that in person, ASAP. There is a TIAA-CREF office where I am now (in Hawaii), but they don't seem to have any available appointments. (I'll call again, to confirm that.) Otherwise, it'll have to be in March when we're back home.

Meantime, I have downloaded a slew of brochures from their website and am reading them, carefully. I have pretty much decided that I will leave a portion of the accumulated funds in a fixed annuity.

I also have roughly $900K outside of TIAA-CREF (mostly with Schwab) and half of that sits in cash. So there are larger issues than just the TIAA allocation ones. But the advisor can assist me in that.

Many thanks!
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