Wikipedia: TIAA-CREF (Teachers Insurance and Annuity Association - College Retirement Equities Fund) is one of the largest financial services companies in the United States, with $398 billion in assets under management as of September 30, 2008. The organization helps meet the financial needs of approximately 3.6 million individuals and 15,000 institutions in the academic, research, medical, cultural and nonprofit fields. Much of TIAA-CREF operates on a nonprofit basis, with surplus returned to participants. TIAA-CREF is headquartered in New York City and has major offices in Denver, Colorado; Charlotte, North Carolina; and Dallas, Texas; as well as 60 local offices throughout the United States. The company ranks 86th on Fortune's list of the 500 largest corporations in America.