Intelligence
Products & Tools
We provide the blueprints, audit tools, and comparison frameworks educators need to navigate institutional retirement plans without the corporate bias.
The 403(b) Fee Auditor
Our flagship diagnostic tool designed specifically for TIAA and CREF accounts. It identifies hidden mortality charges, record-keeping surcharges, and sub-optimal share classes in your current portfolio.
- Identifies R1 vs R3 Share Class savings
- Unmasks bundled insurance costs
- Benchmarks against Vanguard/Fidelity averages
Transfer Protocol 903
A step-by-step operational guide for participants wishing to move illiquid TIAA Traditional assets. We map out the 10-year Transfer Payout Annuity (TPA) strategy and the 903 direct-transfer paperwork.
- Liquidity analysis checklist
- Tax-loss prevention framework
- Paperwork verification samples
University Benchmark Series
Deep-dive reports on how specific institutions (SUNY, UC, NYU, etc.) have implemented their TIAA plans. Compare your institution's negotiated rates against the national academic average.
- Institution-specific fee comparisons
- Match-optimization strategies
- Quarterly performance updates
Annuity Truth Forecaster
Independent projections of TIAA Traditional crediting rates. We look at TIAA's General Account health, real estate portfolio performance, and timberland yields to project future interest credits.
- Vintage rate analysis
- Inflation-adjusted yield modeling
- Competitive alternative yield checks
Intelligence Without
Influence
Unlike "free" planning tools provided by institutions, Ironvalis products are built from the ground up to serve the participant, not the provider. We don't hide the "Transfer Payout Annuity" in fine print because we have no incentive to keep your money locked up.
Our tools use real-time data from 5500 filings, SEC prospectuses, and participant fee disclosures to give you the most accurate picture possible of your retirement security.
We are an educational intelligence resource. We do not manage assets, ensuring our tools never push a specific product.
Ready to audit your plan?
Consult a licensed financial advisor before making significant changes to your retirement strategy.