McCrory Financial Services

05/13/2026

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

05/11/2026

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

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.

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