The Role of Multi-Year Guaranteed Annuities in Diversified Retirement Portfolios You've saved for years. Now the real question is: how do you turn that money into steady income you can trust? A multi- year guaranteed annuity helps you do both — without the stress. Why Stability Must Come First Imagine a long road trip. Would you drive without knowing you have enough fuel? Of course not. Retirement works the same way. Stocks Can grow your money — but they move up and down Bonds Provide income — but rates keep changing MYGA (multi-year guaranteed annuity) Delivers a fixed return you can count on — no surprises What Does a Multi-Year Guaranteed Annuity Really Do? A multi-year guaranteed annuity (MYGA) is straightforward: you give a lump sum to an insurance company, and they guarantee you a fixed interest rate for a set number of years. No market volatility No guesswork Known return from day one Pairing a MYGA with Lifetime Income Annuities A multi-year guaranteed annuity works beautifully alongside a guaranteed lifetime annuity. One delivers stable growth in your early retirement years, while the other provides income for life. Together, they create a step-by- step timeline for your financial future. Think of it as setting up your retirement income in stages — each one designed for where you are in life. Real-Life Example: Nearing Retirement You're 60 and plan to retire at 65. Markets feel risky, and you don't want last-minute surprises. The Move Allocate a portion of savings into a 5-year MYGA The Result Your return is locked — you know exactly what you'll have at 65 The Benefit No stress, no panic, no guessing Real-Life Examples: In Retirement & Beyond 1 You're Already Retired You need monthly income but don't want to sell stocks when markets are down. A MYGA provides steady returns so you can plan cash flow — no forced selling at the wrong time. 2 Your Income Fluctuates Business owners and freelancers can take extra income from good years and place it in a MYGA. That money grows at a fixed rate and later converts to reliable income — turning uneven earnings into something steady. How a MYGA Helps You Manage Retirement Risk Retirement risk isn't just about losing money — it's about running out of money. A multi-year guaranteed annuity helps reduce three critical risks: Market Risk No ups and downs — your value doesn't fall when stocks drop Interest Rate Risk Your rate stays locked — even if rates change in the broader market Timing Risk You're never forced to sell investments when markets are at a low point Tax Advantages & How Much to Allocate Tax-Deferred Growth Your money grows inside the MYGA without yearly taxes. You pay taxes later, when you withdraw — giving you more control over your tax timing and helping savings compound faster. How Much Should You Put In? There's no single right answer. Some use a small portion; others allocate more. Ask yourself: Do I want more safety or more growth? How much volatility can I comfortably handle? What does my income timeline look like? Build a Retirement That Feels Steady Retirement isn't about chasing the highest return. It's about creating income you can trust. A multi-year guaranteed annuity adds that layer of certainty — working quietly in the background, supporting your bigger plan. Steady returns without market swings Predictable, simple income planning Peace of mind that lasts Not just wealth — but confidence that your retirement income is secure. 214-762-2327 Conclusion — Choose Retire Well Dallas for Financial Advisor In Florida At Retire Well Dallas, we understand how challenging it can be to juggle career, family, and financial planning. With our expert financial advice for working mothers in Florida and specialized retirement plans for the self-employed in Florida, we’re here to help you plan for a future that ensures financial security. Phone Website Location Two Turtle Creek 3838 Oak Lawn Ave. Suite 1000 Dallas, TX 75219 Email MarkGardner@RetireWell.co retirewelldallas.com