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SQA October 19th Seminar w/ Diane Garnick
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When: Thursday, October 19, 2017
5:30 PM

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SQA October 19th Seminar 


Diane Garnick, TIAA






Mental Accounting in Retirement


Mental Accounting comes naturally to all of us. We allocate each paycheck to many different buckets; 25% to housing, 25% to food, 25% to loans and, of course, another 50% to entertainment. As you can see, we are not necessarily the best mathematicians. If we make a mistake when we are young, we have plenty of opportunities to recoup.


Mental Accounting in Retirement involves a key change in mindset. Time is no longer on our side and (hopefully) our level of wealth is higher. Rather than allocate some funds to many buckets we propose fully funding one bucket before moving on to the next.


This one simple change creates a framework that enables people to answer the age old question;

How much guaranteed lifetime income do I need?


View Paper Here




Diane Garnick is Managing Director and Chief Income Strategist at TIAA – the leading financial services provider for the not-for-profit market offering a wide range of financial solutions, including investing, banking, advice and guidance, and retirement services.
An industry thought leader with two decades of experience structuring retirement and investment solutions, Ms. Garnick is responsible for advancing the strategy, development, and modernization of TIAA's lifetime income solutions across the firm’s portfolio of products and services. In this role she is also charged with helping to simplify the complexities surrounding lifetime income products for the thousands of institutions and millions of individuals TIAA serves.

Prior to joining TIAA, Ms. Garnick served as a global investment strategist at State Street Global Advisors and Invesco. She was also a member of the top-ranked Institutional Investor Equity Derivatives research team at Merrill Lynch. Ms. Garnick serves on the board of the CFA Institute Research Foundation, is a member of the Editorial Board for the Journal of Retirement, volunteers for Habitat for Humanity, and chaired the CHRISTUS Healthcare Investment Committee. Ms. Garnick earned a bachelor's degree in accounting from Hofstra University, and a master’s degree in finance & strategy from the University of Chicago Booth School of Business.
She is a Certified Public Accountant.



5:30 p.m. Cocktails & Networking

6:00 p.m. Presentation

7:00 p.m. Cocktails & Networking

7:30 p.m. Adjourn




SQA Members: Regular or Academic - $50
 Transitional or Student - $30
Non-Member Affiliated - $70 (Contact your Affiliate Organization for your discount code)
 Non-members - $90


Click Here to become a member and receive your discount for this event! 

Follow these steps to become a member and sign up for this event:

1) Join the SQA email list or join SQA as member

2) Validate email

3) Register for event (and see relevant pricing)



Please contact the office at or 518-694-3157 if you would like to register over the phone

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