Are Your Retirement SavingsWorking as Hard as They Could?
Explore fixed-rate growth for a portion of your savings, with the trade-offs clearly explained.
Request Your Personal MYGA Growth ReportYour savings.
Your retirement. Your choices.
You’ve worked a lifetime building your retirement savings. Keeping a portion of those savings secure may be just as important to you as growing them.
I’m Mark Rogers with Talking Turning 65. Let’s explore how a Multi-Year Guaranteed Annuity, or MYGA, could fit into that conversation.
Request Your Personal MYGA Growth ReportNo obligation to purchase. Available terms and rates depend on your circumstances and the issuing insurer.
A MYGA introduction
with Mark.
Video coming soon
Read on to explore savings choices, fixed-rate growth and the questions to ask before deciding.
Three places retirees
keep their savings.
Each serves a different purpose. Consider what you need this portion of your money to do.
- Wall StreetOpportunity for growth
- Stocks, bonds and investment funds can play a role in retirement. Their values can fluctuate, and market losses may be especially concerning when you’re already retired.
- BanksFamiliar savings options
- Bank savings accounts and CDs offer familiar ways to save. Eligible deposits at FDIC-insured banks have protection subject to applicable limits; CDs can provide fixed interest rates for specified terms.
- Insurance companiesContractual guarantees
- Fixed annuities can provide guaranteed interest rates for defined periods. They are insurance contracts, not FDIC-insured deposits, and their guarantees depend on the issuing insurer.
What is a MYGA?
A Multi-Year Guaranteed Annuity is an insurance contract that guarantees a specified interest rate for a defined period. Its contractual rate is not tied to stock market performance.
You may be able to choose a 3-, 5-, 7- or 10-year term, depending on the product, your age, your state and the insurer. A longer term is not automatically the better choice.
Explore an illustrative growth comparisonUnderstand what you’re committing to.
- Keep money you may need soon accessible.
- Review withdrawal restrictions, surrender charges and any contract adjustments.
- Ask about tax consequences and what happens when the guaranteed period ends.
- Consider the insurer’s financial strength and claims-paying ability.
Contract terms matter as much as the interest rate.
Explore how a rate
could change the numbers.
Choose an amount and enter an annual interest rate to compare four time frames. This calculator uses your assumptions, not current insurer quotes.
Your inputs stay in this tab. They are not saved or sent to Mark.
Enter an amount and rate, then calculate to see the comparison.
Illustration only. The same assumed rate is compounded annually over 3, 5, 7 and 10 years, with no additional deposits or withdrawals. Taxes, fees, surrender charges and contract adjustments are excluded. Actual contract values and rates may differ; these examples do not establish product availability or predict your results.
Your personal
MYGA Growth Report.
A useful comparison starts with your savings amount, time frame and the money you need to keep available.
Mark can help you explore:
- Verified rates and terms available from selected insurers.
- Illustrative interest and ending values for the amount you’re considering.
- Important differences in access to your money and contract provisions.
Your age and state may affect available options. A conversation comes before any personalized comparison; this is not an instant report or a commitment to move money.
No obligation to purchase. No detailed account information is needed to start asking questions.
Have a question?
Let’s talk.
Sometimes a friendly conversation is the easiest place to start. Ask what you want explained before making a decision.
509-392-4366
Make time for your savings questions.
Schedule a 20-minute conversation with Mark.
Schedule a conversation (opens Calendly in a new tab)Prefer to start with the Safe Money Guide?Want to learn more
before we talk?
Request the free Safe Money Guide.
Explore common retirement risks, savings considerations and questions to ask when you want more certainty in retirement.
Ask Mark about the guide as a first educational step. You don’t need to request a personalized growth report to start learning.
Meet Mark Rogers.
Mark Rogers, LUTCF, CLTC
Mark has more than 20 years of experience helping families understand insurance and retirement planning choices. His goal is to help you make informed decisions with the trade-offs clearly explained.
Get to know MarkFor more annuity education, explore Annuities Genius (opens in a new tab).
Request Your Personal MYGA Growth Report
MYGAs are insurance contracts, not bank deposits or FDIC-insured products. Guarantees depend on the issuing insurer’s financial strength and claims-paying ability. Early withdrawals may result in surrender charges, contract adjustments and tax consequences. Rates, terms and product availability vary by age, state, insurer and contract. This is educational information, not individualized investment, tax or legal advice.
Learn more: NAIC: fixed deferred annuities · FDIC: understanding deposit insurance · Our disclosures