--- title: "🔥 Summer Sizzle, Week 1: The CD Rollover Client." description: Help clients turn maturing CDs into long-term wins with better rates, tax deferral, and enhanced liquidity options. Discover MYGAs and index annuities for superior financial growth. image: https://synergyannuity.com/hubfs/ChatGPT%20Image%20Jul%207%2c%202025%2c%2003_34_58%20PM.png --- [Skip to content](https://synergyannuity.com/news-you-can-use/summer-sizzle-week-1-the-cd-rollover-client#main-content) ![Synergy Logo-#](https://synergyannuity.com/hs-fs/hubfs/Synergy%20Logo-%23.png?width=150&height=101&name=Synergy%20Logo-%23.png) - [Home](https://synergyannuity.com/) - [About](https://synergyannuity.com/about) - [Contact](https://synergyannuity.com/contact) Open main navigation Close main navigation - [Home](https://synergyannuity.com/) - [About](https://synergyannuity.com/about) - [Contact](https://synergyannuity.com/contact) - [Contact us](https://synergyannuity.com/contact) [Contact us](https://synergyannuity.com/contact) Jul 14, 2025, 10:00:00 AM # 🔥 Summer Sizzle, Week 1: The CD Rollover Client. ![Picture of Eric Estrada](https://synergyannuity.com/hs-fs/hubfs/EE%20Head%20shot%202.jpg?width=50&name=EE%20Head%20shot%202.jpg) [Eric Estrada](https://synergyannuity.com/news-you-can-use/author/eric-estrada) Share: [facebook-f icon](http://www.facebook.com/share.php?u=https://synergyannuity.com/news-you-can-use/summer-sizzle-week-1-the-cd-rollover-client) [linkedin-in icon](http://www.linkedin.com/shareArticle?mini=true&url=https://synergyannuity.com/news-you-can-use/summer-sizzle-week-1-the-cd-rollover-client) [Twitter icon](https://twitter.com/intent/tweet?url=https://synergyannuity.com/news-you-can-use/summer-sizzle-week-1-the-cd-rollover-client) [pinterest-p icon](http://pinterest.com/pin/create/link/?url=https://synergyannuity.com/news-you-can-use/summer-sizzle-week-1-the-cd-rollover-client) [envelope icon](mailto:?body=https://synergyannuity.com/news-you-can-use/summer-sizzle-week-1-the-cd-rollover-client) **How to Turn Maturing CDs Into Long-Term Wins for Your Clients** CDs had their moment in 2023 and 2024. But now those 1- and 2-year CDs are maturing, and clients are realizing: **Renewal rates are falling… and so is confidence.** This summer is your chance to step in with something better — before the banks roll them into another underwhelming offer. --- ### 👀 Who to Look For: - **Clients over 60** with maturing CDs in the next 3–6 months - **Pre-retirees** with large CD or money market balances - **Conservative savers** who liked the idea of 5% short-term guarantees - **Bank loyalists** who don’t realize annuities are even an option --- ### 💡 What to Offer Instead: - **MYGAs with 5–6% multi-year guarantees** - **Index annuities with performance triggers** that outperform CDs without market risk - **Tax deferral** — clients won’t get 1099’d each year like they do with CDs - **Liquidity options** like 10% annual withdrawals, RMD exemptions, or terminal illness riders - **No probate** — the death benefit passes directly to their heirs --- ### 💬 Advisor Talking Points: Here are a few scriptable ideas you can use: > **“Your CD gave you a good year — now let’s do better with something that defers taxes and keeps your money growing until you need it.”** > **“You already liked the guarantee — now you just need a way to stretch that safety out longer with better benefits.”** > **“Most people don’t realize annuities can offer CD-like guarantees, but with more control and better outcomes.”** > **“The bank may auto-renew you — but that’s not always in your best interest. Let’s explore all your rollover options first.”** --- ### 📬 Simple Summer Marketing Ideas: - **Send a CD Renewal Reminder Mailer** > “Rates have changed. Before your bank rolls you into a lower CD, let’s compare your options.” - **Email Campaign to Past Clients or Leads** > Include a rate sheet or link to the MYGA Leaderboard — something they can’t get from their banker. - **Host a Coffee & Conversation Event** > Invite your clients (and their friends) for an informal review of what to do with maturing CDs. Keep it short and value-focused. --- ### 🔗 Want an Easy Icebreaker? Use our [MYGA Leaderboard t](https://synergyannuity.com/synergy-myga-leaderboard)o show clients what’s possible. It’s the perfect conversation starter — no fluff, no forms, just the best rates by term, rating, and liquidity. Show them how today’s annuities stack up against their CD renewal letter. **You might be surprised how quickly they say yes.** ## Related posts [![](https://synergyannuity.com/hs-fs/hubfs/AI-Generated%20Media/Images/The%20image%20depicts%20a%20concerned%20family%20gathered%20around%20a%20dining%20table%20cluttered%20with%20medical%20bills%20and%20a%20laptop%20displaying%20a%20financial%20planning%20website.jpeg?height=200&name=The%20image%20depicts%20a%20concerned%20family%20gathered%20around%20a%20dining%20table%20cluttered%20with%20medical%20bills%20and%20a%20laptop%20displaying%20a%20financial%20planning%20website.jpeg)](https://synergyannuity.com/news-you-can-use/living-benefits-a-key-solution-to-medical-debt-challenges-in-america) [Life](https://synergyannuity.com/news-you-can-use/tag/life) ## [Living Benefits: A Key Solution to Medical Debt Challenges in America](https://synergyannuity.com/news-you-can-use/living-benefits-a-key-solution-to-medical-debt-challenges-in-america) ![Picture of Eric Estrada](https://synergyannuity.com/hs-fs/hubfs/EE%20Head%20shot%202.jpg?width=50&name=EE%20Head%20shot%202.jpg) [Eric Estrada](https://synergyannuity.com/news-you-can-use/author/eric-estrada) Jan 20, 2025, 7:00:00 AM Medical debt has become one of the most pressing financial challenges in the United States. 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