To give someone authority over your TIAA brokerage account, complete the TIAA Power of Attorney form, officially known as the Brokerage Power of Attorney (Form F11014). You can also submit a legal equivalent prepared by an attorney, but TIAA’s own form generally moves through the firm’s review with fewer complications. Both you and your chosen agent sign in front of a notary, then upload, fax, or mail the completed form to TIAA.
Before you fill anything out, confirm you actually need a full POA. TIAA offers lighter options that cover most everyday situations.
Do You Actually Need a Full POA?
TIAA offers three tiers of account access, and only the top tier requires a power of attorney.
- Inquiry only: your authorized party can view balances, check plan rules, see beneficiary designations, and request forms. No money moves, nothing changes.
- Limited rights plus inquiry: everything above, plus changing investment allocations, making internal transfers or exchanges, and canceling pending transfers.
- Full power of attorney / fiduciary rights: your agent (called an Attorney in Fact) can take any action on the account, including withdrawals and distributions.
The first two tiers use the Authorization to Access Accounts form (F10352). Only the full fiduciary tier requires Form F11014 or a legal equivalent.1TIAA. FAQs About Account Forms If you just want an adult child to monitor your balances or rebalance investments, skip the POA entirely and use F10352.
What the TIAA Brokerage POA Lets Your Agent Do
Step 2 of F11014 is the most consequential part of the form. You choose one of two authority levels.
Trading Authority (Limited POA): Your agent can access account information, buy and sell securities, incur margin debt if the account is margin-approved, and trade options if the account is options-approved. They cannot take money out.
Trading and Limited Disbursement Authority (Full POA): Everything above, plus the ability to withdraw cash by check sent to your address of record, transfer cash to a bank account pre-authorized through ACH, move cash or assets between your own TIAA brokerage accounts, and initiate IRA disbursements if the account is an IRA.
Step 2 also lets you optionally grant check-writing and online bill-pay authority through TIAA’s Cash Solutions Account, send duplicate statements and confirmations to your agent, and give the agent online access.2TIAA. TIAA Brokerage Power of Attorney (POA) Form Pick only what your agent genuinely needs. Granting disbursement authority when the real job is portfolio rebalancing adds risk for no reason.
What to Gather Before You Sign
Have all of this in front of you when you open the form:
- Your brokerage account number, from your most recent TIAA statement. Verify every digit; a wrong number is a fast way to get the form kicked back.
- Your agent’s full legal name, Social Security number, date of birth, U.S. residential address, citizenship, email, phone number, and mother’s maiden name.
- Your agent’s employer name, occupation, and business address if they are employed, self-employed, or working as a consultant.
- Affiliation disclosures from your agent: whether they or an immediate family member is a director or major shareholder of a publicly traded company, affiliated with a brokerage firm or FINRA, or a senior political or military official in a foreign country.
TIAA collects this agent information under the USA PATRIOT Act, which requires financial institutions to verify the identity of anyone granted authority over an account.3TIAA. Affidavit of Agent Under Power of Attorney Having everything ready saves a second trip to the notary.
Walking Through the Form
F11014 has six steps.
Step 1 — Brokerage Account Information. Your account number and the owner’s name exactly as it appears on the account. For a joint account, include all owners.
Step 2 — Authority Level. Choose Trading Authority or Trading and Limited Disbursement Authority, and select any of the optional add-ons described above.
Step 3 — Agent Information. Your agent fills in the personal, employment, and affiliation details listed in the previous section. Every field is required; a single blank will send the form back.
Steps 4 and 5 — Signatures and Notarization. The agent signs in Step 4 and the account owner signs in Step 5, each in front of a notary public. Each signature gets its own notarization, with the notary filling in the date, state, county, and commission expiration. TIAA states that all signatures must be notarized, and skipping this means automatic rejection.2TIAA. TIAA Brokerage Power of Attorney (POA) Form
Step 6 — Witness Signatures (New York only). If you sign in New York and grant check-writing or online bill-pay authority in Step 2, you need two witnesses present at signing, in addition to the notary. Each witness signs, prints their name, and dates the form. Outside New York, or without those add-ons, skip Step 6 entirely.2TIAA. TIAA Brokerage Power of Attorney (POA) Form
Important: This Form Is Not a Durable Power of Attorney
F11014 states plainly that it is not a durable power of attorney. Your agent’s authority automatically terminates if you become mentally disabled, incompetent, incapacitated, or die.2TIAA. TIAA Brokerage Power of Attorney (POA) Form The form stops working at exactly the moment many people assume it would kick in.
If your goal is to have someone manage your TIAA accounts during cognitive decline or a serious medical emergency, F11014 alone will not do it. You need a durable power of attorney drafted by an attorney under your state’s law. TIAA accepts that document as a legal equivalent of its own form.1TIAA. FAQs About Account Forms When submitting an outside POA for TIAA Trust accounts, the agent also completes TIAA’s Affidavit of Agent, certifying that the original POA is valid and that you were competent when you signed it.3TIAA. Affidavit of Agent Under Power of Attorney
How to Submit the Completed Form
TIAA accepts the form through several channels. Digital upload is fastest.
- Mobile app: tap the Message Center icon in the upper-right corner, select the Files header, and tap Upload. You can photograph the signed form.
- Online: log in at TIAA.org, select the Actions tab, choose Upload documents, and follow the prompts.
- Fax: 800-914-8922.
- Standard mail: TIAA, P.O. Box 1280, Charlotte, NC 28201-1280.
- Overnight mail: TIAA, 8500 Andrew Carnegie Blvd., Charlotte, NC 28262.
Fax and mail take longer than uploading.2TIAA. TIAA Brokerage Power of Attorney (POA) Form Keep a fully executed copy for both the principal and the agent. For questions, TIAA’s retirement account line is 800-842-2252, weekdays 8 a.m. to 10 p.m. Eastern.4TIAA. TIAA Customer Service Contact
What Happens After You Submit
TIAA’s compliance team reviews the document to confirm that all fields are complete, signatures are present, and the notary seals are valid. TIAA does not publish a guaranteed turnaround, so plan on at least several business days. Your agent should not attempt any transactions until TIAA confirms the POA is on file and active.
If something is wrong — a missing notary seal, an incomplete field, a signature that doesn’t match the account records — TIAA notifies you of the specific deficiency so you can correct and resubmit. You can check status by monitoring your account online after upload.5TIAA. FAQs – Documents and Research
What Your Agent Owes You
An agent under a POA is a fiduciary. They are legally required to act in your best interest, keep your assets separate from theirs, avoid conflicts of interest, and keep records of every transaction they make on your behalf.3TIAA. Affidavit of Agent Under Power of Attorney TIAA’s Affidavit of Agent states this directly: the agent must exercise reasonable care, caution, and prudence, and keep full and accurate records of all actions, receipts, and disbursements.
An agent who uses account assets for personal expenses, makes unauthorized withdrawals, or misrepresents transactions has breached that duty. Depending on the state, consequences range from removal and forced return of assets to civil damages and, in extreme cases, criminal charges. Choose someone you trust completely with your retirement savings, and someone organized enough to document what they do.
Revoking the POA
You can revoke the POA at any time by giving TIAA written notice, and the revocation takes effect once TIAA receives it.2TIAA. TIAA Brokerage Power of Attorney (POA) Form One clean way is through Form F10352: select Option C and complete Sections 7 and 8 to revoke existing authorizations on file.6TIAA. Authorization to Access TIAA Accounts A signed letter stating that you revoke the POA, referencing your account number and the agent’s name, also works.
Submit the revocation through the same channels as the original form. Until TIAA processes it, the agent’s authority technically remains active, so don’t delay once circumstances change. If you’re revoking because of a concern about misuse, call TIAA at 800-842-2252 to flag the account while the written revocation is in transit.