How Pebyl Financial fits New York
IRA rollover fit
Severance from service or retirement is usually the trigger that lets you roll an outside 403(b), 457(b), or 401(k) into a traditional or Roth IRA. Your NYSTRS defined-benefit pension is generally not rolled — it pays as a lifetime annuity.
MYGA fit
A multi-year guaranteed annuity (MYGA) gives New York 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 NYSTRS 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 New York, the FIA usually sits between Social Security and the NYSTRS 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 New York, a SPIA is often used to layer guaranteed income on top of Social Security and the NYSTRS pension.
Full New York 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 NYSTRS-adjacent accounts.
MYGA vs. CD
Compare after-tax growth on a fixed contract vs. a bank CD using your own numbers.