Is the TIAA 401(k) rollover process online or by phone?
Most TIAA plans accept either, but the secure path is to call first to confirm form name and FBO check payee, then submit through their portal if your plan supports it.
Last updated: April 2026
Reviewed by Gold IRA Blueprint Editorial TeamLast updated
Quick Answer
To roll your TIAA 401(k) into a Gold IRA, call 1-800-842-2252 and request a direct rollover using the form titled "Cash Withdrawal / Direct Rollover Request". TIAA typically completes the transfer in 10–15 business days. Make the receiving custodian's account "FBO <your name> IRA" — never have the check made payable to you personally.
TIAA — Rollover Facts
- Rollover phone
- 1-800-842-2252
- Participant portal
- tiaa.org
- Form name
- Cash Withdrawal / Direct Rollover Request
- Processing time
- 10–15 business days
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About TIAA
Dominant recordkeeper for higher education, research institutions, hospitals, and large nonprofits.
Universities, research hospitals, museums, and 501(c)(3) organizations.
TIAA 401(k) → Gold IRA: 6-Step Process
- 1
Open your self-directed Gold IRA first
You need an empty receiving account before TIAA will release funds. Augusta or Birch Gold can open one in 1–2 business days.
- 2
Call TIAA at 1-800-842-2252
Tell the rep: "I'd like to initiate a direct rollover from my 401(k) to a self-directed Gold IRA." Have your new custodian's name, address, and account number ready. Request the Cash Withdrawal / Direct Rollover Request form.
- 3
Complete the paperwork
TIAA mails or emails the form. Complete it carefully — the receiving custodian's wire/check details must be exact. Make the check payable to "[New Custodian] FBO [Your Name] IRA" — never to you personally.
- 4
Wait 10–15 business days for funds to settle
TIAA liquidates your 401(k) holdings (you cannot send shares in-kind to a Gold IRA in most cases) and wires or mails a check to your new custodian.
- 5
Select your IRS-approved metals
Gold ≥99.5% pure, silver ≥99.9% pure. Your account rep at the new custodian will guide allocation. Most allocators choose 60%–80% gold and 20%–40% silver.
- 6
Confirm depository delivery
Bullion ships from the dealer directly to an IRS-approved depository (most commonly Delaware Depository or Texas Bullion Depository). You'll receive a vault receipt within 5–7 business days.
Pitfalls Specific to TIAA
- ⚠ Watch out: TIAA Traditional annuity money is restricted — most contracts pay out over 9 years (the Transfer Payout Annuity), not as a lump sum. Ask specifically about TPA terms before initiating.
- ⚠ Watch out: Mutual-fund and CREF assets roll over normally; only TIAA Traditional has the TPA restriction.
- ⚠ Watch out: Some older 403(b) contracts require employer-plan-administrator signature; coordinate with your former HR office.
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Best Gold IRA Custodians for TIAA Rollovers (1970)
Editorial rankings updated April 2026. Augusta and Birch Gold receive the most TIAA rollover volume in our affiliate data.
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| #1 | Augusta Precious Metals ★ 5 · 13 yrs | $50,000 | A+ | $100k+ savers wanting white-glove service and education-first onboarding | Free Kit |
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| #3 | Goldco ★ 4.8 · 19 yrs | $25,000 | A+ | Mid-range investors who value fast setup and the up-to-10% free silver promotion | — |
| #4 | American Hartford Gold ★ 4.9 · 10 yrs | $10,000 | A+ | Cost-sensitive savers under $100k who want low fees and an easy online setup | — |
| #5 | Advantage Gold ★ 4.9 · 12 yrs | $5,000 | A+ | Beginners — $5,000 minimum is the lowest of any major Gold IRA company | — |
Rankings reflect editorial review of BBB rating, minimum, fees, customer reviews, and time in business. Last updated April 2026.
TIAA Rollover FAQ
People Also Ask About TIAA Rollovers
Quick answers to the adjacent questions 1970 retirement savers ask alongside this one.
Will TIAA send the rollover check to me or directly to the new custodian?
Always request a direct trustee-to-trustee transfer — the check is made payable to "[New Custodian] FBO [Your Name] IRA" and never to you personally. This avoids the 20% mandatory federal withholding.
How long until my TIAA 401(k) funds clear at the new custodian?
Most TIAA rollovers settle in 7–14 business days. Total elapsed time including new account setup and metals selection is typically 14–21 business days.
What happens to my TIAA 401(k) loan if I roll over?
Outstanding loans typically become due in full at separation; if not repaid, they become taxable distributions plus the 10% penalty if you're under 59½. Pay off the loan before initiating the rollover when possible.
Can I do a partial rollover from TIAA?
Yes. Most plans permit partial rollovers — keep some balance in the 401(k) and roll out the rest. This is useful if you want to retain TIAA's low-cost institutional funds for some assets.
Does TIAA charge any rollover fees?
Most administrators don't charge an outbound rollover fee, but a few add a $25–$50 distribution processing fee. The receiving Gold IRA custodian's setup fee ($50–$250) is the larger cost.
Will rolling over from TIAA reset my tax basis?
Pre-tax 401(k) money rolled into a Traditional Gold IRA preserves its pre-tax status. After-tax 401(k) contributions can be split out to a Roth Gold IRA tax-free under IRS Notice 2014-54.
Best Gold IRA custodian for a TIAA rollover?
Augusta Precious Metals (above $50k) and Birch Gold Group (below $50k) handle the largest volume of TIAA rollovers in our affiliate data — both have onboarding teams familiar with TIAA's exact form requirements.
Can I track my TIAA rollover after submitting?
Yes — the new Gold IRA custodian provides a status timeline, and TIAA's portal shows "rollover pending" until funds clear. Call both sides if no movement in 10 business days.
What if TIAA mails a check by mistake?
If the check is payable to FBO [your name] IRA — fine, just forward it to the new custodian within the 60-day window. If payable to you personally, deposit and reissue carefully (and watch the 20% withholding).
Key Terms & Related Concepts
The vocabulary every Gold IRA decision touches — IRS regulations, custody, tax treatment, and adjacent retirement concepts.
- Self-Directed IRA (SDIRA)
- An IRA structured to hold alternative assets including precious metals. Same federal contribution limits as a regular IRA but the custodian permits a wider asset menu.
- Custodian
- An IRS-approved trust company that holds title to your IRA assets. Required for every Gold IRA — you can't be your own custodian.
- Depository
- An IRS-approved facility that physically stores your Gold IRA bullion. Most common: Delaware Depository, Brink's, Texas Bullion Depository.
- Trustee-to-trustee transfer
- Direct movement of funds from one IRA custodian to another with no check made payable to you — tax-free and unlimited under IRC § 408(d)(3).
- IRC § 408(m)(3)
- The federal statute that permits IRAs to hold gold (≥99.5% pure), silver (≥99.9%), platinum, and palladium meeting purity requirements.
- Spot price
- The live market price for one troy ounce of pure gold or silver. IRA-grade coins typically trade 3–8% above spot to cover minting and dealer margin.
- SECURE 2.0 Act (2022)
- Federal law that raised RMD age to 73 (rising to 75 in 2033), tightened beneficiary 10-year drain rules, and added Roth catch-up requirements for high earners.
- Required Minimum Distribution (RMD)
- The annual amount you must withdraw from a Traditional Gold IRA starting at age 73 under SECURE 2.0. Roth IRAs have no lifetime RMDs. Free RMD calculator →
- 60-day rollover rule
- If you take physical receipt of retirement funds, you have 60 days to deposit them into a qualifying IRA or owe income tax + 10% penalty under 59½.
- 5-year Roth rule
- Earnings on a Roth Gold IRA are tax-free only if 5 tax years have passed since your first Roth contribution AND you're 59½+. Conversions have a separate 5-year clock.
- In-kind distribution
- Taking physical possession of your Gold IRA bullion as a distribution. Taxed as ordinary income at fair market value on the distribution date.
- Backdoor Roth
- Strategy for high earners above Roth income limits — contribute to a Traditional IRA (non-deductible) then convert to Roth. Available for Gold IRAs too.
Sources & References
- TIAA participant materials and form library (1970)
- IRS Publication 590-A — IRA rollover and contribution rules
- IRC § 408(d)(3) — tax-free trustee-to-trustee transfer
- SECURE Act 2.0 of 2022 — RMD age and Roth catch-up provisions
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