Author Archives: Sarah Smalley

Getting and Keeping Good Credit

Tuesday, November 10th

12:00 PM EST – 1:00 PM EST

Credit scores influence personal finances in more ways than most people realize. Whether it’s your auto insurance premium or the interest rate on your mortgage, you want your credit score to be deemed “excellent”. Our upcoming event will explore the criteria that determines a credit score, as well as how to establish new credit, how to recover from credit challenges, and best practices for maintaining an excellent credit score.

Register Here

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TIAA is scheduled to deliver important information about your retirement plan(s) via email and we are writing to remind you that the message may be diverted to your Clutter box. As you may already know, with Clutter, the email server keeps track of the email you read and the ones you don’t. Once you turn it on,  as new email comes in, it takes messages you’re most likely to ignore and puts them into the “Clutter” folder. In order to efficiently provide employees with accurate and up-to-date information and to remain compliant with our annual participant fee disclosure responsibilities regulated by the Department of Labor, we ask that you follow the following steps:

  1. You can turn Clutter off (or)
  2. You can “train” clutter that TIAA emails are not clutter.

To “train” your Clutter, look in the Clutter folder and drag the TIAA email from your Clutter folder to your Inbox. Moving an email in or out of the Clutter folder from any of your devices is enough to give the signal to the Clutter system that an item from TIAA is or isn’t Clutter.

Dreaming of Retirement MSA Webinar

July 14, 2020 | 9:00 AM (PST) & 12:00 PM (PST) 
 Register Here.

Many people can’t wait for retirement, yet they haven’t considered how they will sustain their ideal retirement lifestyle. To be confident in the amount of retirement income that you need, you should first estimate the difference in cost between your current lifestyle and the retirement lifestyle you dream about. In this class, we provide tools to help you estimate that difference. We’ll also offer a wide range of considerations to help you formalize a realistic retirement plan to help make your retirement dream a reality.

Note:  If you register and cannot attend, a recording of the webinar, along with a copy of the session presentation and handouts, will automatically be sent within 24 hours.


You work hard for your money, but is your money working hard for you?

Middlebury College provides employees and their families a comprehensive financial wellness benefit thru My Secure Advantage (MSA).  By connecting with a personal Money Coach and taking advantage of a wide variety of online financial resources, you can build a stronger and more secure future no matter where you are in your financial journey. 

Confidential Money Coaching

You and your family can access your own unbiased, guilt-free Coach for 90 days (every year).  Coaching occurs in ongoing (30-minute) confidential telephonic-sessions and is provided by experienced, certified financial professionals, who have nothing to sell.  Their only job is to help you improve your financial life and empower you to reach your goals.  Whether it’s paying down debt, buying a home, caring for aging parents or planning retirement, your personal Coach can assist with identifying issues, discussing options, and creating an achievable action plan.

24/7 Secure Website

MSA’s website offers year-round access to online video courses, articles, calculators, its proprietary budgeting tool “Wallet”, legal forms and more.  Start by taking a quick self-assessment to pinpoint your financial goals and get actionable next steps. 

Questions?  Learn more about MSA here. To get started call 888-724-2326.

TIAA Virtual Financial Consulting.

No matter where you are in life—just getting started or planning for retirement—a session with a financial consultant can help you create a plan for your goals. And, it’s at no additional cost as a part of your retirement plan. You’ll get answers to these questions and more:
* Am I invested in the right mix of investments to help meet my goals?
* Am I saving enough to create the retirement income I need?
* How do I take income from my retirement account once I stop working?
Register for one of the sessions at
Date Time Location
Friday, June 5, 2020 10 a.m. – 4 p.m. Virtual Meeting
Monday, June 15, 2020 10 a.m. – 4 p.m. Virtual Meeting
Tuesday, July 14, 2020 10 a.m. – 4 p.m. Virtual Meeting
Thursday, July 16, 2020 10 a.m. – 4 p.m. Virtual Meeting
Tuesday, August 18, 2020 10 a.m. – 4 p.m. Virtual Meeting
Thursday, August 20, 2020 10 a.m. – 4 p.m. Virtual Meeting

RSVP today, as space
is limited. Register by visiting
or calling 800-732-8353,
weekdays, 8 a.m. to 8 p.m. (ET).

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Schedule online

Estate planning basics
Ensuring that our assets will pass to loved ones and causes that are near and dear is important to most of us. Discover the components of a basic estate plan and strategies to ensure that your wishes are met.
May 12 at 12 p.m. (ET)

Start to Finish: The early career woman’s guide to financial wisdom
When women are starting their careers, there’s a lot to consider—career goals,job satisfaction, achieving a work/life balance. But it’s important to also consider retirement. Discover how establishing a plan now can help establish your financial future.
May 12 at 3 p.m. (ET)

Market proof your retirement*
In retirement—and the years leading up to it—protecting your savings becomes just as important as growing it. Join us to learn how to create your own personal pension with TIAA Traditional, offered by Teachers Insurance and Annuity Association of America (TIAA).**
May 13 at 12 p.m. (ET)

Paying Yourself: Income options in retirement
Learn the rules that govern retirement assets and find out when to consider using different income sources.
May 13 at 3 p.m. (ET)

The 411 on 529 college savings plans
Learn how 529 college savings plans work and how to invest in one for a child,grandchild, yourself or other loved one.
May 14 at 12 p.m. (ET)

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We know that there is a lot of uncertainty in the world
today. And just as we have for more than 100 years, TIAA
is here to help you.
You can access virtual counseling by phone or on any device, and get
advice and education about your retirement savings, managing debt
and your investment strategy. Both are highly secure and private.
Take advantage of advice and education
When you meet virtually with a financial consultant, you’ll get answers
to these questions:
* Am I saving enough?

* Should I change or balance my investment strategy?
*Am I on track to meet my retirement goals?
Financial advice is available as part of your retirement plan at no
additional cost. Take advantage and schedule a virtual counseling
session today.

Schedule an Appointment