Retirement isn't about chasing returns—it's about engineering income. In this episode, Marty Becker shares a real client case study that demonstrates one of the clearest retirement income frameworks he's ever seen.

Dave, one of Marty's clients, responded to the previous week's episode on CDs versus MYGAs with a simple but powerful statement: he uses 2, 3, 4, and 5-year MYGAs and FIAs to build an income ladder that funds his annual expenses—and he believes it's far better than CDs or bond ladders.

Marty breaks down Dave's strategy step by step:

• Year 1: Money sits in a high-yield money market for immediate access
• Years 2-4: Funds are in high-yield MYGAs with guaranteed rates and known maturity dates
• Year 5+: Money is in fixed indexed annuities with principal protection and growth potential

What Dave created is a 5-year runway that emotionally insulates him from market volatility and bad decisions. The markets can fluctuate all they want, but his next five years of income are secure.

This isn't just a ladder—it's a system. A strategy that prioritizes peace of mind, predictability, and protection over chasing long-term averages.

In episode 102 of the Atlas Annuity Podcast, Marty Becker breaks down the key differences between Multi-Year Guaranteed Annuities (MYGAs) and bank CDs. While both are considered safe money options, there are critical distinctions that can significantly impact your retirement strategy.

This episode covers a comprehensive side-by-side comparison including tax treatment, liquidity options, beneficiary protections, and the often-misunderstood topic of FDIC insurance versus state guaranty associations.

Marty explains why tax deferral can be a game-changer for retirees who are tax-sensitive, how penalty-free withdrawal provisions differ between the two products, and why MYGAs offer unique advantages when it comes to converting to lifetime income.

One of the most important topics covered is the safety and protection of your principal. While bank CDs are FDIC insured, MYGAs are protected through state guaranty associations. Marty provides historical context from the 2008 financial crisis to help you understand the real-world track record of both protection systems.

Whether you're comparing rates, looking for tax advantages, or planning for long-term retirement income, this episode provides the clarity you need to make an informed decision between MYGAs and CDs.

If you've inherited an annuity, the insurance company is probably pressuring you to fill out forms fast. But here's what they won't tell you: once you sign certain paperwork, the decision is irreversible—and it could cost you thousands in unnecessary taxes.

In this episode, Marty Becker walks you through what really matters before you make a choice you can't undo.

What You'll Learn:
• Why inherited annuities are so confusing (and different from inherited IRAs)
• The LIFO tax trap—and why the first dollars out are the most heavily taxed
• Your 3 distribution options: lump sum, 5-year rule, and lifetime payouts
• The tax consequences of each option and who they're best for
• Common mistakes people make with inherited annuities
• Why you have 12 months to decide—not 30 days

Whether you inherited from a spouse, parent, or sibling, this episode gives you the clarity to make a smart, tax-efficient decision.

About Marty Becker:
Owner and founder of Atlas Financial Strategies in St. Louis, Missouri, specializing in safe money retirement strategies.

Get Help: Book a free consultation at atlasannuity.com

Disclaimer: This podcast is for educational purposes only. Always consult with qualified tax and financial professionals regarding your specific situation.