McCrory Financial Services

McCrory Financial Services Insurance Broker & RSSA® | IUL • Annuities • Medicare • Life • Social Security
Protect what you’ve built. Guarantee what you’ll need.

Insurance brokerage based out of Little Rock, AR, dedicated to providing comprehensive solutions in Life Insurance, Health Insurance, and Retirement Income Planning. With expertise across all facets of these areas, we deliver tailored strategies to safeguard your future and enhance your financial well-being.

*Fully Licensed in AR, TN, MS, and LA. Also licensed in KY, MD, MI, MN, OH, PA, NC, SC, TX, VA, and WV solely for Life Insurance.*

05/13/2026

What it is, what it isn't, and why it matters now.

05/11/2026
Most people are building their retirement on a foundation with a crack in it.Here's what most advisors don't talk about ...
05/05/2026

Most people are building their retirement on a foundation with a crack in it.

Here's what most advisors don't talk about with your 401(k):

⚠️ Most default investments carry real market risk on the downside

⚠️ Every dollar you withdraw gets taxed as ordinary income — at whatever rate applies when you pull it

⚠️ Early withdrawals before 59½ typically trigger a 10% IRS penalty

There's a tool more professionals are adding to their retirement strategy — a properly structured Indexed Universal Life (IUL) policy.
Here's what makes it different:

📈 Your cash value earns interest tied to a market index. When the index goes up, you get credited. When it drops, your floor holds at zero — though internal policy costs can still affect your balance, so proper funding matters.

💰 In retirement, policy loans are generally not treated as taxable income by the IRS — no 1099, no income tax bill — as long as the policy stays properly structured and in-force.

🛡️ You can access your cash value before 59½ without the IRS early withdrawal penalty. Many policies also include living benefit riders for qualifying serious illness events.

Like any financial tool, IUL has its trade-offs — insurance costs, growth caps, and the need for proper structuring. But when it's the right fit and built correctly, few strategies can match its combination of protection, tax-free growth, and retirement income flexibility.

If you're between 35 and 65 and you've never had an IUL explained to you properly — that conversation is free and it might change how you think about retirement entirely.

📞 Call or text: 501-538-6655
🌐 www.mccroryfinancialservices.com

📢 If you've got money sitting in a CD or savings account right now, this is worth 60 seconds of your time.As of May 2026...
05/04/2026

📢 If you've got money sitting in a CD or savings account right now, this is worth 60 seconds of your time.

As of May 2026, top MYGA (Multi-Year Guaranteed Annuity) rates have climbed to 6.30% guaranteed — and that number matters more than most people realize.

Here's a quick comparison of where your safe money can actually go right now:

🔵 MYGA — Up to 6.30% guaranteed
Your rate is locked in for the full term. No market risk. No surprises. Your principal is fully protected and your growth is tax-deferred until you need it.

🔵 CD (Bank Certificate of Deposit) — ~4.10%
Familiar and FDIC-insured, but rates have slipped slightly and your interest is taxed every year whether you withdraw it or not.

Here's why May 2026 is a meaningful window:

Most analysts expect the Fed to continue cutting rates through 2026. When that happens, CD renewal rates will follow them down. A MYGA lets you lock in today's rate for your entire term — whether that's 3, 5, or 7 years — regardless of what the Fed does next.

If you have money in a maturing CD, a savings account earning less than 2%, or cash sitting idle in a money market — a MYGA comparison is worth having.

We work with multiple carriers and can show you exactly what today's top rates look like for your situation — no obligation, no pressure.

📞 Call or text: 501-538-6655
🌐 www.mccroryfinancialservices.com

04/21/2026

Protection should be simple, accessible, and built for real life. Instant Decision IUL helps families move forward with confidence and provides easier, instant coverage.

04/14/2026

In February, Medicare Rights submitted generally positive comments in response to the 2027 Advance Notice from the Centers for Medicare & Medicaid Services (CMS). The Advance Notice is an annual document outlining how CMS plans to determine some Medicare Advantage (MA) payments for the following yea...

04/14/2026

Growth matters, and so does protection. Products like our Platinum Assure Series help families plan with confidence, combining guarantees with long-term potential.

Most people have never heard of a MYGA — but for the right person, it might be the most straightforward safe-money tool ...
04/13/2026

Most people have never heard of a MYGA — but for the right person, it might be the most straightforward safe-money tool in retirement planning. 💰

A Multi-Year Guaranteed Annuity (MYGA) works a lot like a bank CD — except the interest rates are typically significantly higher, your growth is tax-deferred, and your principal is protected.

Here's how it works:
✅ You deposit a lump sum with an insurance carrier
✅ You lock in a guaranteed interest rate for a set term
✅ Your money grows tax-deferred — no 1099 until you withdraw
✅ At the end of the term, you access your full balance plus interest

Who is a MYGA best suited for?
🔹 Retirees sitting on cash in a savings account earning next to nothing
🔹 People rolling over a CD who want better rates without market risk
🔹 Anyone who wants predictable, guaranteed growth with no surprises

MYGAs won't make you rich overnight — but they're one of the most reliable tools available for protecting and growing money you simply can't afford to lose.

Curious whether a MYGA makes sense for your situation? We're happy to run the numbers with you — no pressure, no obligation.

📩 Message us or visit www.mccroryfinancialservices.com
📞 501-538-6655

Address

Little Rock, AR

Opening Hours

Monday 8am - 8pm
Tuesday 8am - 8pm
Wednesday 8am - 8pm
Thursday 8am - 8pm
Friday 8am - 8pm
Saturday 8am - 8pm
Sunday 8am - 8pm

Telephone

+15015386655

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