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PODCAST

Retire Texas Style!

Steve Hoyl and Derrik Caldwell have worked tirelessly to craft personalized, high-quality financial services to a diverse group of clients at all income levels. As a lifelong resident of the Texas Panhandle, Steve has a unique insight into the passions, motivations and concerns of his client. It’s this connection with community — alongside more than three decades of industry experience — that allows Steve and Derrik to create retirement strategies that are as unique as the clients they serve and the

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All Episodes

10:22

When should you Convert Your IRA or 401K?

Retire Texas Style! ·

2023/02/27

If you have a traditional IRA or 401(k), you could run into a HUGE tax problem. That’s why you hear people converting those funds to an after-tax Roth IRA a little bit at a time before retirement. Financial author Ed Slott tells the Morningstar financial website that it enables you to take control of your tax planning, but how easy is it to do this? At what age should someone consider making the conversion? Steve explains how he can help you with this process and keep more money in YOUR pocket

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7:10

What Happens to Your Taxes in Retirement?

Retire Texas Style! ·

2023/02/13

An article in The Street warns that a lot of people are surprised at how big their tax bill is after they retire. Why does this happen? And are there any steps we can take to lower that bill? Steve discusses the tax strategies he uses that can help put more money back in your pocket rather than Uncle Sam's! Plus, when you leave that 9-5, what do you do with your 401K? Call Steve today for your Complimentary Tax Analysis! See omnystudio.com/listener for privacy information.

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9:59

Avoiding a Big Loss Before Retirement

Retire Texas Style! ·

2023/01/30

Sometimes a rocky economy is like a football game. Market volatility, high inflation and the threat of recession can tackle even a good retirement plan and throw it for a huge loss. So, is there a tool can withstand these threats? Hear Steve explain how he can give your money purpose, all while protecting and grow your income in retirement - STOP THE FINANCIAL BLEEDING TODAY! Call Steve today for your very own customized income plan! See omnystudio.com/listener for privacy information.

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8:34

Having Fun and Serious Money

Retire Texas Style! ·

2023/01/16

Will you spend more money earlier in retirement on fun stuff or will most of your spending come later things like healthcare? Hear how Steve can help you prepare for both! Then, ever wonder what your cat is saying to you? There’s an app for that. It’s called “MeowTalk.” It uses artificial intelligence and algorithms to decode what the feline is communicating (like happy, resting, hunting, or mating call.) One complaint about financial advisors is they sometimes communicate in a language no one

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8:20

What is Tax Loss Harvesting?

Retire Texas Style! ·

2023/01/02

I saw an article that talked about the so-called financial planning ‘rules’ that should be abandoned. One is the “60-40” portfolio split between stocks and bonds. The other is the “4%” withdrawal rule (if a retiree withdraws 4% in their first year, and adjusts that for inflation every year after that, their money has good odds of lasting 30 years). Do you agree? Should we look at these as starting points in investing rather than hard-and-fast rules? When the market is down, there might be a tax

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8:53

What are the chances we could fall into recession in...

Retire Texas Style! ·

2022/12/19

When will we see the bottom of this market? Can we be successful with our retirement portfolio without having to resort to that kind of guesswork? What are the chances we could fall into recession in the next year? Economists with Bloomberg say it’s 100% certain. And it might hit sooner than later. Hear how Steve can you help you build a financial bridge to get to the other side of this mess? See omnystudio.com/listener for privacy information.

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8:48

Should You Replace Your Bonds?

Retire Texas Style! ·

2022/12/05

We’ve talked a lot about how the bond market is also having a horrible year. That’s why many investors are seeking ideal bond replacements. Sheryl Moore of WinkIntel.com believes you might consider an annuity. Hear Steve share his opinion and more. The newest iPhone has a pretty cool feature called “crash detection.” Just like it sounds, the phone detects various types of car crashes, then automatically calls 911. But some riders of roller coasters are discovering that all the herky-jerky

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8:40

Make Time to P-L-A-N your Retirement

Retire Texas Style! ·

2022/11/21

The one thing we all wish we had more of is TIME. You know the saying, "There's not enough hours in the day!" I get it, we're all busy. BUT, if you don't take the time to PLAN for your retirement - who will? Not all recessions are created equal. But economist Lawrence White tells CBS News that the one thing they all have in common is they were triggered by certain events and sometimes a recession can trigger making financial decisions while emotion. Then, Steve talks about his process and what

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8:04

Listener Q&A : Is it a good time to get out of the...

Retire Texas Style! ·

2022/11/07

Q&A with YOU! Listener question from Tessa: Is this a good time to get out of the Market? And what are the benefits of doing Roth Conversion? Hear Steve's response and most importantly how he can help you protect your money from a volatile market! See omnystudio.com/listener for privacy information.

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9:04

Leaving Money on the Table & Creating Income Plan

Retire Texas Style! ·

2022/10/24

Americans are trying to stretch their dollars amid high inflation, but they might be overlooking money they already have – gift cards! A new survey (by CreditCards.com) found the average person has $175 in unused gift cards. (Check your wallets!) And if you don’t remember to cash them in, you’re leaving money on the table. You DONT want to leave money on the table in retirement and Steve can help you avoid this! Then, an article in Smart Asset asks an interesting question: “Do you actually need a

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7:24

40% of Americans do WHAT?

Retire Texas Style! ·

2022/10/10

Question: Do you think you pay too much in taxes … or too little? That’s a trick question because we all pay too much! But IRA expert Ed Slott tells The Motley Fool that’s our own fault! Bottom line, "the more you plan, the more you keep.” Steve explains how he helps clients minimize taxes in retirement and how a tax free retirement IS POSSIBLE! Then, the so-called “five-second rule” is apparently alive and well. A new survey (by OnePoll) shows more than 40% of Americans will eat things off the

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7:26

What Do You Want Your Money to Do in Retirement?

Retire Texas Style! ·

2022/09/26

A Princeton Professor did a study asking retirees which approach they preferred to fund their retirement. Dr. Wade Pfau found one third liked living off the growth and income of their portfolios, another third preferred the safety of annuities, while the remaining third was split between bonds and a hybrid of all three strategies. Where do you see your clients on these choices? If someone comes into the office and you were to ask them…what do you want your money to do? They might say: I want my

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7:54

How to Prepare NOW for Possible Recession

Retire Texas Style! ·

2022/09/12

Are we in a recession now? If not – is one coming? That’s the big question as the Fed raises interest rates again to fight 9.1% inflation. Steve explains what pre-retirees and retirees can do now to prepare for a recession if and when it hits to both protect and grow your income and most importantly not run our money. See how Steve can help YOU create a customized income plan!See omnystudio.com/listener for privacy information.

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12:33

50 Things Every 50 Something Should Know

Retire Texas Style! ·

2022/08/29

Steve talks about creating generational wealth and discuss the list of 50 things every 50 something should know about retirement! Call Steve today for a complimentary Portfolio Review! See omnystudio.com/listener for privacy information.

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10:49

What does wealth mean to you?

Retire Texas Style! ·

2022/08/15

I came across a post on the blogging website Reddit that struck a nerve. It was people talking about childhood friends they assumed were rich – and why they assumed that. It’s a good reminder that “wealth” is often in the eyes of the beholder. Hear Steve explain how he can help you achieve what wealth looks like for you in retirement and what the first time meeting is with Steve! See omnystudio.com/listener for privacy information.

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9:21

Are we in a recession?

Retire Texas Style! ·

2022/08/01

Do you feel like your 401(k) is now more like a ‘301(k)’ because of all the market declines? Hear how Steve is helping clients preserve their retirement savings during such a volatile time. During all the volatility in the stock market, we’ve heard one financial term being tossed around a lot – bear market. Is the stock market in a bear market right now, and will that lead to a recession? Steve shares his thoughts and much more! Call Steve today for your Market Protection Plan! See

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9:22

VP Mike Pence on the Future of Social Security

Retire Texas Style! ·

2022/07/18

You know all those stories about Social Security going broke in 2034? Well, here’s some good news! Uncle Sam had a good year, so they’ve pushed the “go-broke” date back by one year to 2035. Not too exciting, right? Recently, we sat down for an exclusive interview with former Vice President Mike Pence. He told us the government must do everything to keep Social Security. Hear Steve share his position on the future of SS and where it falls in the retirement mix. Then, if you mention annuities as

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8:00

Should you pay off your mortgage before retiring?

Retire Texas Style! ·

2022/07/04

Let’s say you’re only a few years away from retirement and you haven’t paid off your mortgage yet. Is that a problem? Steve weighs in on this and you'll hear questions from our audience! Call Steve for a Portfolio Review! See omnystudio.com/listener for privacy information.

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10:54

What's the difference between a Traditional IRA and...

Retire Texas Style! ·

2022/06/20

What's the difference between a Traditional IRA and Roth IRA? Steve talks about the best time to do a Roth conversion and how to pass down your Roth IRA tax efficiently! Call Steve today for a Portfolio Review! See omnystudio.com/listener for privacy information.

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7:50

The Right and Wrong Way to Plan for Retirement

Retire Texas Style! ·

2022/06/06

Having an emergency fund is CRUCIAL both in your working years and during retirement. But, how can you stretch the pennies to build it while fighting inflation day to day? Hear Steve discuss how he helps his clients with this and how he can help YOU. Then, the Motley Fool financial website says there’s no single “right way” to plan for retirement. But there are plenty of “wrong ways.” And one of them is forgetting about how taxes are going to affect your post-career income. Why are taxes such an

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