Rawls Financial Services - Perla McMullen

12/02/2025

CD rates are finally improving, but there’s another option most people don’t hear about—MYGAs (Multi-Year Guaranteed Annuities).

MYGAs work a lot like CDs: you get a fixed rate for a set number of years, there’s no market risk, and they are backed by insurance companies. The difference is that MYGAs usually offer higher rates and they grow tax-deferred, which allows your money to compound faster.

Current MYGA rates I’m seeing:

• 5.20% for a 3-year
• 5.50% for a 4-year
• 5.75% for a 5-year

Unlike CDs, where interest is taxed every year, MYGA interest isn’t taxed until you withdraw it. Over time, that can make a significant difference in growth.

This can be a good fit for retirees, anyone rolling over old CDs, people who want steady growth without market volatility, or anyone looking for a safe place to earn a better guaranteed rate.

If you want to compare your bank’s CD rates to current MYGA options, send me a message.

Rates can change at any time and vary by state and company.

10/17/2025

Now’s the time to review your Medicare plan for 2026!
Deadlines come fast — Dec 7th for renewals and Dec 31st if your plan is ending.

Plans are changing for 2026, so now’s the time to review your options.

Message us to schedule your free Medicare check-up today!
[email protected]
Perla McMullen – Rawls Financial Services
Local Agent - Clifton TX

10/15/2025

is here! Now’s your chance to compare your Medicare coverage options for 2026. Check for lower costs or better coverage, or make sure your current plan is still the best for your needs and budget. Get started at https://go.medicare.gov/4qcIlpa.

04/15/2025

Celebrating the retirement of our Founder Ronnie Rawls. Would love for you to join us!

12/10/2024

With retirement dreams on the horizon, Gen X women on average believe they will need more than $2 million to retire comfortably, more than any other generation of women.

12/05/2024

Are you all set for 2025? Review your current Medicare coverage NOW to see if it’s still a good fit for your health care needs and budget. You only have until December 7 if you're thinking about making a change: https://go.medicare.gov/3YYQ3Gv

10/22/2024

Open Enrollment is here!!
Local agent!
I can help answer your questions and review the Medicare Advantage plan options in Bosque so you can enroll in a plan with confidence. Contact me today to get started.
254-339-3033, TTY 711.

10/16/2024

We’ll be at Fallfest this Saturday, the 19th! Be sure to stop by and grab some goodies to take home. See you there!

Medicare Open Enrollment is here! Now’s the time to explore your options and ensure your plan still meets your needs, especially with changes in plan coverage in our area.
Call me today at 254.206.3100 and let’s go over your options together.

10/16/2024

Will your monthly Medicare premiums increase next year? It depends.

10/16/2024

Medicare Open Enrollment is here! Now’s the time to explore your options and ensure your plan still meets your needs, especially with changes coming to Medicare Part D next year.

Don’t miss out on this opportunity to review and update your coverage! Call me today at 254.339.3033, and let’s go over your options together.

starts today! Now’s your chance to compare your Medicare coverage options for 2025. Check for lower costs or better coverage, or make sure your current choice is still the best for your needs and budget. Get started at https://go.medicare.gov/47Z1tyh.

05/10/2024

Poll participants expressed strong support for federal policy solutions that could help with these issues.

04/01/2024

🌟 Attention all seniors! 🌟 Are you feeling overwhelmed by the complexities of Medicare? I'm here to help! As a Medicare expert, I can guide you through the maze of plans and options to find the perfect fit for your needs. Whether you're just turning 65 or looking to switch plans, I've got you covered. Let's navigate Medicare together and ensure you get the coverage you deserve. Message me today to schedule a consultation! 📞💼