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To join Wealth In Retirement Facebook Group - / 600171758472290 and click "Join" The opinions voiced in this video are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. Fixed annuities are long-term investment vehicles designed for retirement purposes. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Withdrawals made prior to age 59 1/2 are subject to a 10% IRS penalty tax and surrender charges may apply. The TIAA loyalty bonus is provided through increases in annuity income through retirement and is only available upon annuitization. The amount of the bonus is discretionary and determined by the TIAA Board of Trustees on an annual basis.