How Pebyl Financial fits Utah
IRA rollover fit
Hybrid and DC-style accounts inside URS 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 Utah 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 URS 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 Utah, the FIA usually sits between Social Security and the URS 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 Utah, a SPIA is often used to layer guaranteed income on top of Social Security and the URS pension.
Full Utah 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 URS-adjacent accounts.
MYGA vs. CD
Compare after-tax growth on a fixed contract vs. a bank CD using your own numbers.