Multi-Year Guaranteed Annuities

Multi-year guaranteed annuities (often called MYGAs) are straightforward, fixed-rate annuities designed for savers who value certainty. You receive a guaranteed interest rate for a set number of years - typically three to ten - so you know exactly how your money will grow over that period.

If you are tired of guessing what the market will do next, a MYGA can function much like a higher-yield alternative to traditional CDs, with tax-deferred growth. Your principal is protected, your rate is locked in, and you are shielded from market volatility for the length of the contract term.

I help you compare different guarantee periods and rates, and we review liquidity features so you understand how much access you have to your funds during the term. For some, MYGAs serve as a safe parking place for a portion of retirement assets. For others, they are a building block inside a broader income strategy - maturing at planned times to refill cash reserves or transition into income annuities.

Together, we map out how these predictable-return annuities fit into your bigger picture, balancing stability, access, and long-term goals. The result is a clear, written plan for the conservative portion of your retirement savings, built on fixed, dependable growth rather than speculation.