At the appointment, employees may review and discuss their individual investment allocation and balance in the retirement savings plan accounts; how to maximize their accumulated savings; how to choose the right investment funds; how to invest during any market; whether they have saved enough for retiree health insurance; how to prepare for retirement; and more.

"Retirement and investment planning are very personal topics, and that's why we're providing this valuable individual service," said Thomas W. Lauman, director of benefits in the Office of Human Resources.

One-on-one sessions are held between 8 a.m.-5 p.m. and room numbers are confirmed upon registration.

The schedule for the first four months of 2006 is as follows:

TIAA-CREF

Hilltop Campus: Jan. 24, April 25; North Brookings Hall, lower level conference room.

Medical Campus: Jan. 25-26, March 1-2, March 29-30 and April 26-27; Benefits Office, 4480 Clayton Ave., Room 1146.

West Campus: Jan. 27, Feb. 28, March 3, March 28, March 31 and April 28; 7425 Forsyth Blvd., Meeting Room 287.

Vanguard

West Campus: Feb. 6-7, March 6-7 and April 4; 7425 Forsyth Blvd., Meeting Room 287.

Medical Campus: Feb. 8-9, March 8-10 and April 5-6; Bene-fits Office, 4480 Clayton Ave., Room 1146.

To schedule an appointment with TIAA-CREF, go online to tiaa-cref.org/moc or call (800) 842-2005, ex. 5613.

For Vanguard appointments, go online to meetvanguard.com or call (800) 662-0106, ex. 14500.

For more information, contact your benefits department.