D Riggs Financial LLC

10/06/2026

“If you like the safety and predictability of a CD, there may be another option worth knowing about — a MYGA.”

A MYGA, or Multi-Year Guaranteed Annuity, works in a similar way to a CD. You deposit a lump sum, lock in a guaranteed interest rate for a set number of years, and you know exactly how your money is scheduled to grow.

But here’s where a MYGA can take things a step further.

With a bank CD, the interest you earn is generally taxable each year, even if you leave the money in the account.

With a MYGA, your interest grows tax-deferred, meaning you generally don’t pay taxes on the earnings until you withdraw the money.

MYGAs can also offer competitive guaranteed rates, making them attractive for people who want growth without exposing that portion of their money to stock-market losses.

So if you already like CDs, think of a MYGA as another tool worth comparing — especially for money you don’t need immediately.

D Riggs Financial LLC.
Plan. Protect. Grow. Prosper.

Want to see whether a CD or MYGA makes more sense for your money? Call us today.

10/02/2026

💰 FINANCIAL FRIDAY

YOUR BENEFICIARY FORM MAY MATTER MORE THAN YOUR WILL

Most people spend time creating a will…

But never go back and check the beneficiary forms on their:

• 401(k)
• IRA
• Roth IRA
• Life insurance
• Annuities
• Transfer-on-death accounts

Here’s what many people don’t realize:

A beneficiary designation generally controls where that account goes — even if your will says something different.

That means an old beneficiary form from 10 or 20 years ago could potentially determine who receives a significant portion of your wealth.

Marriage changes.
Divorce happens.
Children grow up.
Grandchildren are born.
Relationships change.

Your financial plan should change with them.

THE FINANCIAL FRIDAY CHECKUP

Once a year, review:

✅ Primary beneficiaries
✅ Contingent beneficiaries
✅ Percentages assigned to each person
✅ Trust designations
✅ Former spouses or outdated beneficiaries
✅ Whether beneficiaries match your current estate plan

Building wealth is important.

Making sure it reaches the people you intended is part of financial planning too.

D Riggs Financial LLC
Plan. Protect. Grow. Prosper.

09/29/2026

💡 TIDBIT TUESDAY

A strong financial plan is not just about how much money you have.

It’s about where your money is positioned and what job each dollar is designed to do.

Think about your money in different buckets:

💵 Cash — liquidity and emergencies
📈 Investments — long-term growth
💰 Roth / Tax-Free — future tax flexibility
🧾 Tax-Deferred — retirement accumulation
🛡️ Protected Assets — stability and income planning

The goal isn’t to put everything in one place.

The goal is to build a strategy where your money can work together for today, retirement, taxes, growth, and protection.

Small adjustments today can make a big difference down the road.

Plan. Protect. Grow. Prosper.

— D Riggs Financial LLC

09/26/2026

09/26/2026

💰 FINANCIAL FRIDAY 💰
Low interest debt? You may not need to rush to pay it off.

Being debt-free can feel great—but paying off a low, fixed-rate loan early isn’t always the best use of your money.

Before making that extra payment, ask yourself:

✅ Do I have enough cash available?
Don’t leave yourself short for emergencies just to reduce a low-interest balance.

✅ Could that money serve a bigger purpose?
Building retirement savings, capturing an employer match, or paying off higher-interest debt may deserve priority.

✅ Have I compared the real numbers?
Compare your borrowing cost with potential returns after taxes and fees. Paying down debt provides predictable interest savings; investment returns can fluctuate and aren’t guaranteed.

🏡 Have a fixed 3% mortgage? Keeping your scheduled payments while saving or investing extra cash may make sense—depending on your goals, time horizon, and comfort with risk.

The key: Give the extra money a purpose. Keeping low-interest debt only helps if you use the available cash intentionally.

Keep making required payments, watch for variable rates or expiring promotions, and remember: the peace of mind of paying off debt has value, too.

📲 Let’s look at where your next dollar can do the most for you.

D Riggs Financial LLC
Plan. Protect. Grow. Prosper.
📞 888.969.4992

09/08/2026

💡 SOCIAL SECURITY IS MORE THAN JUST A MONTHLY CHECK

When should you take Social Security? The answer can impact far more than most people realize.

Your Social Security strategy can influence:

🔹 Medicare timing & planning
🔹 Retirement income distributions
🔹 Annuity positioning
🔹 Tax strategy
🔹 Cash-flow planning

At D Riggs Financial LLC, we help you look at the entire retirement picture—not just one account, one benefit, or one decision.

The goal is to understand how each financial decision works together so you can build a retirement strategy designed around your income needs, taxes, protection, and long-term goals.

📈 Plan. Protect. Grow. Prosper.

Ready to see how your Social Security decision fits into your overall retirement strategy?

📞 D Riggs Financial LLC
888.969.4992

09/07/2026

📦🪙 IMAGINE PUTTING $9 BILLION OF GOLD… IN THE MAIL.

That sounds crazy today, but in 1941, the United States actually did it.

As World War II spread across Europe and the Pacific, countries were scrambling to secure their financial assets. Large amounts of gold bullion had accumulated at the New York City Assay Office, and the U.S. government wanted those reserves moved to one of the most secure locations in the country: the U.S. Bullion Depository at Fort Knox, Kentucky.

And this wasn't a couple of armored trucks.

The 1941 operation involved approximately:

🪙 $9 BILLION worth of gold at the time
📦 37,404 registered-mail crates
🚂 337 railroad cars
🚆 45 separate trains

The shipment was coordinated by the Postal Inspection Service, along with the U.S. Treasury, Army, Railway Mail Service and local law enforcement.

Security was extraordinary.

Earlier Fort Knox gold shipments used decoy trains, armed Postal Inspectors, reinforced and locked rail cars, steel doors and even machine guns. The bullion was packed into heavily reinforced crates and carefully documented through the Registered Mail system.

So why use the Post Office?

One fascinating reason was liability and accountability. When the first major shipments began in 1937, the U.S. Mail system could formally accept responsibility for the shipment if assets were lost, while Registered Mail created a documented chain of custody as the gold changed hands.

And why Fort Knox?

The government had specifically constructed the bullion depository in the 1930s to protect the nation's precious-metal reserves. Its inland Kentucky location, massive reinforced construction and military surroundings made it an exceptionally secure place to consolidate America's gold. The first gold arrived there in 1937, several years before the famous 1941 shipment.

By December 31, 1941, Fort Knox held a record 649.6 million fine troy ounces of gold.

💡 THE FINANCIAL LESSON?

America didn't just think about owning its wealth.

It thought about where it was held, how it was protected, how accessible it was and what risks surrounded it.

The same concepts matter in personal financial planning today.

You can spend decades accumulating wealth, but eventually the conversation has to evolve from simply:

“How much can I make?”

to:

“How much can I keep?”
“How much should I protect?”
“How diversified am I?”
“What happens if markets, taxes or life don't go according to plan?”

Growing wealth matters.

Protecting what you've already built matters too.

At D Riggs Financial, that's why we believe a complete strategy should consider growth, protection, tax efficiency, liquidity and retirement income — not just investment performance.

PLAN. PROTECT. GROW. PROSPER.

D RIGGS FINANCIAL