How Pebyl Financial fits Michigan
IRA rollover fit
Hybrid and DC-style accounts inside MPSERS are portable. Once you separate from service, balances can typically roll into a traditional or Roth IRA — opening the door to a fixed-funded IRA without surrender from the pension side.
MYGA fit
A multi-year guaranteed annuity (MYGA) gives Michigan households a fixed contractual rate for a set term (often 3-10 years). Common use case: parking the IRA-rollover money you don't want exposed to market risk while you finalize the income plan around your MPSERS pension.
Fixed indexed annuity fit
Fixed indexed annuities credit interest based on an index (S&P 500, etc.) with a 0% floor — you don't lose principal in a down year. In Michigan, the FIA usually sits between Social Security and the MPSERS pension as the inflation-aware bucket.
SPIA fit
A single-premium immediate annuity (SPIA) converts a lump sum into a guaranteed monthly check for life. In Michigan, a SPIA is often used to layer guaranteed income on top of Social Security and the MPSERS pension.
Full Michigan pension guide
Vesting tiers, contribution rates, benefit formulas, 403(b)/457(b) vendor lists — on pebyl.ai.
Pension / 403(b) rollover
How a fixed-funded IRA receives a rollover from MPSERS-adjacent accounts.
MYGA vs. CD
Compare after-tax growth on a fixed contract vs. a bank CD using your own numbers.