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Explore the first set of Income Pivot explainers: practical guides on MYGAs, CDs, de-risking, alternative paths, advisor coordination, and sequence risk.
A MYGA—short for multi-year guaranteed annuity—is commonly used market language for a type of fixed deferred annuity that credits a stated interest rate for a set multi-year period. In plain language, you give an insuran…
Read articleA MYGA and a CD can both look like “fixed rate for a fixed term,” but they are not the same kind of product. A CD is a deposit account offered by a bank—and at federally insured banks, deposit insurance rules apply withi…
Read articleA MYGA—commonly used market language for a type of fixed deferred annuity with a multi-year guaranteed rate period—can be useful in some retirement plans, but it is not a good default for everyone. It is often a poor fit…
Read articleFor most people, the useful answer is not “all in” or “do nothing.” A better planning question is whether a partial de-risking sleeve could make retirement income feel more durable without eliminating all growth exposure…
Read articleThe safest way to coordinate an annuity decision is to run a documented, side-by-side process with your financial advisor and any insurance professional involved before any application is submitted. Start by clarifying e…
Read articleIf you want steadier retirement income, an annuity is one option, but it is not the only option. Many households compare or combine fixed annuities, CD ladders, Treasury or bond ladders, and advisor-managed income plans.…
Read articleSequence of returns risk means this: if you are withdrawing money from your portfolio, bad market years early in retirement can do more damage than the same bad years later. The reason is simple. Early losses can hit the…
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