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Updated September 18, 2026. Quick answer: TIAA Wealth Management discloses a tiered schedule starting at 0.90% in its TIAA-CREF Individual & Institutional Services, LLC – Advice & Planning Services – Private Asset Management Disclosure Brochure (Form ADV Part 2A) (March 31, 2026). Converted to dollars, that runs $4,500 a year on a $500,000 account; see the full table below for $250,000, $1 million and $2 million.
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The published numbers
From the TIAA-CREF Individual & Institutional Services, LLC – Advice & Planning Services – Private Asset Management Disclosure Brochure (Form ADV Part 2A) (March 31, 2026): “The PAM Fee schedules for the discretionary accounts are provided below. They are subject to change with prior notice to materially impacted clients enrolled in PAM. … PAM Fee Blended Schedule Value Bracket Annual Fee as % First $1,000,000 of market value 0.90% Next $2,000,000 0.70% Next $2,000,000 0.50% Over $5,000,000 0.40%”
- First $1,000,000 of market value: 0.90%
- Next $2,000,000 (i.e. $1,000,001–$3,000,000): 0.70%
- Next $2,000,000 (i.e. $3,000,001–$5,000,000): 0.50%
- Over $5,000,000: 0.40%
What you would pay
| Account balance | Annual fee (dollars) | Effective rate |
|---|---|---|
| $250,000 | $2,250 | 0.90% |
| $500,000 | $4,500 | 0.90% |
| $1,000,000 | $9,000 | 0.90% |
| $2,000,000 | $16,000 | 0.80% |
Marginal/tax-bracket-style tiers from the PAM Fee Blended Schedule (the Private Asset Management program run by TC Services, TIAA’s high-net-worth wealth-management arm, sub-advised by TIAA Wealth Investment Management LLC). $250k: 250,000 x 0.90% = $2,250. $500k: 500,000 x 0.90% = $4,500. $1M: 1,000,000 x 0.90% = $9,000. $2M: first $1,000,000 x 0.90% = $9,000, plus the next $1,000,000 (of the $1,000,001-$3,000,000 tier) x 0.70% = $7,000, total $16,000. TIAA Wealth Investment Management LLC (CRD 334925, SEC file 801-132296, the WIM sub-adviser entity) has no client-facing fee schedule of its own – it is paid a flat sub-advisory basis-point fee by TC Services/TIAA Trust; the PAM brochure sponsored by TC Services is the entity that actually bills clients and is the correct primary source for a buildable schedule. A separate ‘PAM Fee Exclusively Fixed Income Schedule’ (0.50%/0.35%/0.25%/0.20%/0.15% tiers) applies only to all-fixed-income accounts and was not used here.
How this compares
Our benchmark of published adviser fee schedules puts the weighted median annual cost near $2,000 to $2,500 on $250,000 (the benchmark). At $500,000, TIAA Wealth Management’s own published rate runs $4,500 a year.
Comparing TIAA Wealth Management against a full move? Read the general mechanics of switching financial advisors, or use a dated termination letter once you decide.
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- TIAA-CREF Individual & Institutional Services, LLC – Advice & Planning Services – Private Asset Management Disclosure Brochure (Form ADV Part 2A) (March 31, 2026): https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1028127
- SEC Investment Adviser Public Disclosure, TIAA-CREF Individual & Institutional Services, LLC (d/b/a Advice & Planning Services, sponsor of the Private Asset Management Program) (CRD #20472): https://adviserinfo.sec.gov/firm/summary/20472
- TIAA-CREF Individual & Institutional Services, LLC (d/b/a Advice & Planning Services, sponsor of the Private Asset Management Program), SEC Form ADV filing: https://reports.adviserinfo.sec.gov/reports/ADV/20472/PDF/20472.pdf
Methodology. This page was built September 18, 2026, drawing on TIAA Wealth Management’s own SEC-filed disclosure and, where cited, its published fee schedule, with sources linked above; any figure we could not independently confirm this session is named as an honest gap rather than presented as verified. Nothing here is personalized financial, tax, legal, or investment advice. See our Editorial Policy, Corrections, Affiliate Disclosure, and Disclaimer.
Is TIAA Wealth Management a fiduciary? See what its own Form CRS says, and how that compares to what you would pay.
What does it take to open an account? See TIAA Wealth Management’s minimum investment, straight from its own Form ADV Part 2A brochure.
Thinking about leaving TIAA Wealth Management instead of pricing what you would pay to stay? See what it costs to leave, or read the general mechanics of switching financial advisors.
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Weighing whether to move ahead? Read the full TIAA Wealth Management review, including its fiduciary status and what it costs to leave.
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