What is a MYGA?
A Multi-Year Guaranteed Annuity is essentially a CD inside a tax-deferred wrapper. You lock in a guaranteed interest rate for a set term (typically 3-10 years), pay no tax on the growth until you withdraw, and avoid the 1099-INT every year on a regular CD. For California residents, this matters — the state takes another 9.3-13.3% on every dollar of interest.
SPIAs (Single Premium Immediate Annuities)
Convert a lump sum into guaranteed lifetime income starting immediately. Often the best retirement-income tool when you need pension-like cash flow and a longevity hedge.
Fixed-Index Annuities
Principal protection with index-linked upside. Read Hans's free guide (PDF) for an honest plain-English breakdown including how the caps and participation rates work.
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