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Better start saving for college now.
Dear [~firstname~],
It's not rocket science: saving now is the best way to be prepared when your little prodigy goes off to college. So open a ScholarShare 529 College Savings Plan account, offered by the state of California. Invest just a little every month, and you can be better prepared – whatever school your child may choose. And with our easy “Give a Gift” option, family and friends can contribute, too!
In addition, the plan offers many significant tax benefits. (Limitations apply. See the Disclosure Booklet for details.) Money saved can grow tax-deferred and be used at any accredited college, university or trade school in the U.S., or eligible schools abroad. Plus, if the funds are used for qualified school expenses, all earnings are federal and California income tax-free.
Make the smart move. Start your ScholarShare 529 College Savings Plan today.
ScholarShare has received a Bronze rating from Morningstar, making it one of the best-rated plans in the nation.
In an annual review (10/21/14) of the largest 529 college-savings plans (64 total), Morningstar identified 29 plans that rose above their typical peers, awarding those plans Gold, Silver, and Bronze Morningstar Analyst Ratings for 2014. These forward-looking, qualitative ratings signal Morningstar's conviction in the plans' abilities to outperform their relevant benchmark and peer groups on a risk-adjusted basis over the long term. Morningstar evaluates college-savings plans based on five key pillars — Process, Performance, People, Parent, and Price. For more information about Morningstar's overview of ScholarShare, go to Past performance does not predict future results. Source:
TIAA CREF Financial Services. Any questions?
Call 866-437-0349
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This email is a commercial advertisement. Please note that we cannot receive responses to this email. If you feel that you are receiving this email by mistake, please unsubscribe. Written inquiries and comments can be sent to: TIAA-CREF Tuition Financing, Inc., Program Manager, 8500 Andrew Carnegie Blvd., Charlotte, NC 28262.

Before investing in a 529 plan, consider whether the state where you or your Beneficiary resides has a 529 plan that offers favorable state tax benefits that are available if you invest in that state's 529 plan.

Consider the investment objectives, risks, charges and expenses before investing in the ScholarShare College Savings Plan. Please visit for a Plan Disclosure Booklet containing this and other information. Read it carefully. Investments in the Plan are neither insured nor guaranteed and there is the risk of investment loss.

The tax information contained herein is not intended to be used, and cannot be used, by any taxpayer for the purpose of avoiding tax penalties. Taxpayers should seek advice based on their own particular circumstances from an independent tax advisor. Non-qualified withdrawals may be subject to federal and state taxes and the additional federal 10% tax. Non-qualified withdrawals may also be subject to an additional 2.5% California tax on earnings.

TIAA-CREF Tuition Financing, Inc., Plan Manager.

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