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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

9:58

RMDs, Taxes and Annuities!

Retire Texas Style! ·

2022/05/23

If you’re 72 or older, the government makes you take Required Minimum Distributions every year. RMDs consume a percentage of your retirement assets. But thanks to new data that shows Americans living longer, the IRS has revised the RMD tables so that they’re at a lesser percentage. That means fewer taxes to pay. That seems like good news, right? Does this change your thinking about the IRA to Roth conversion? An annuity is simply a contract between you and an insurance company. In exchange

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9:29

How can you maintain your lifestyle in retirement?

Retire Texas Style! ·

2022/05/16

Economists routinely tell us that the biggest retirement worry is running out of money. But Forbes says there’s another concern that doesn’t get as much attention … and that’s maintaining the same standard of living. But how do we do that, considering that our retirement income will probably be less than what we earned when we were still working? Kevin explains how his 6 pillars for a successful retirement can help grow and protect your pile of money for retirement so you don't run out of

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20:41

Steve Chats With Bill Murray !

Retire Texas Style! ·

2022/05/13

If you missed the show this week, you're in luck - hear Steve interview Bill Murray! Steve had the opportunity to meet and chat with Bill Murray and his brothers (Brian Doyle, Joel, Andy and Johnny) during their "Murray Bros. Caddyshack Charity Golf Tournament" in St. Augustine, FL! Bill and the brothers discuss what investments they would avoid, who taught them the meaning of charity, and the best financial advice they were given. See omnystudio.com/listener for privacy information.

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11:40

How Steve can help you create a successful retirement...

Retire Texas Style! ·

2022/05/09

Jason Aldean joins the show and shares the secret to his success! Hear Steve share what he says is the secret to his nearly 30 years of success and what he and his team can offer that's different than other financial advisors! Call Steve for your Complimentary Consultation! See omnystudio.com/listener for privacy information.

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8:36

What is "shrinkflation" ?

Retire Texas Style! ·

2022/05/02

Inflation is giving way to something called “shrinkflation.” Companies are trying to fight higher prices by cutting corners with their products. For instance, Doritos bags will now contain five fewer chips. Crest is putting less toothpaste in its tubes. And Charmin is cutting 20 sheets from its two-ply rolls of toilet paper. Those planning their retirement can also cut corners. Some avoid talking to a financial professional, opting instead to ‘do-it-themselves.’ Steve explains why your

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9:06

Is now the time to call Steve? YES!

Retire Texas Style! ·

2022/04/25

How do you know it's the right time to meet with a financial advisor like Steve? Then, hear Steve share some listener questions! Call Steve Today for a Complimentary Consultation! See omnystudio.com/listener for privacy information.

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8:31

Does the 4% Rule Apply to Retirement Today?

Retire Texas Style! ·

2022/04/04

Ever heard of the 4% rule? The idea was with a 50/50 mix of stocks and bonds, you could pull 4% out to live on and not run out of money over a 30-year retirement. You can still find that rule on the internet today. But does it take into account today’s huge inflation rate, or should we just throw out the concept altogether? Steve weighs in on the 4% rule and then shares some popular questions from listeners just like you! Call Steve Today for a Complimentary Consultation! See

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7:33

Financial Advisors vs. Retirement Financial Advisors

Retire Texas Style! ·

2022/03/25

U.S. News & World Report says there are “financial advisors” … and then there are “retirement financial advisors.” Hear Steve explain the difference as well as which category he falls into. With over three decades in the financial world, Steve is ready to help YOU cross that retirement finish line! See omnystudio.com/listener for privacy information.

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8:52

Should you set an end date for retirement?

Retire Texas Style! ·

2022/03/11

Is it a good idea to set a solid retirement age? Or should you be more flexible as your nest egg grows? Then, what does Steve tell his clients when it comes to setting their own “end” date? What are the factors he walks them through? hear Steve explain what a first time meeting with him is like, what to bring and what to expect! See omnystudio.com/listener for privacy information.

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7:46

How Important are Taxes in Retirement?

Retire Texas Style! ·

2022/02/25

Is it time to take drastic steps to protect your retirement savings as the market continues dramatic volatility? It’s in response to how the Fed is dealing with rising inflation. Chair Jerome Powell is hinting interest rate hikes could begin as soon as March. But here’s the question – should we “wait out” all this turbulence, or make portfolio changes to help safeguard our retirement future? Steve weighs in on the current market volatility, the importance of a tax plan in retirement! See

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8:10

Reaching that Comfortable Number in Retirement

Retire Texas Style! ·

2022/02/11

The sixth richest man in the world ($104 billion net worth) enjoys a simple, frugal life. Buffett still lives in the same starter home he bought in 1958. He begins the day with a McDonald’s breakfast and even clips coupons. And Buffett doesn’t splurge on expensive hobbies. In fact, he told CBS Sunday Morning that he plays bridge about 8 hours a week! How important is it for retirees to stay frugal as they spend their nest egg? When you log into your financial accounts, what’s the number that

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8:43

Hit the Sweet Spot in Your 401k!

Retire Texas Style! ·

2022/01/28

The National Financial Educators Council did their annual study asking people how many used a financial advisor. Of those 55 and up, the number is now at 41%. That seems to be a modest improvement. Hear why Steve thinks more people are seeking help from a financial professional! Researchers say they’ve zeroed in on the perfect time to fall asleep. They found it’s between 10 and 11 p.m. Outside of that hour, your circadian rhythm gets disrupted enough that your risk of cardiovascular disease

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8:24

Congress Raising the Debt Ceiling - What's this mean...

Retire Texas Style! ·

2022/01/14

Congress needs to raise the debt-ceiling from time-to-time so the government can pay its bills. We keep hearing about the downside of not raising the limit: like interest rates going up and the market getting spooked. Treasury Secretary Janet Yellen even tells CNBC it could also delay Social Security payments. So we’ve heard this song before, and we’re likely to hear it again. Is this something clients need to pay attention to? Hear how Steve is guiding his clients and how he can help you

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9:01

Income for life and protecting your money from Uncle...

Retire Texas Style! ·

2021/12/31

Hear Steve talk about the "Income For Life" tool that he uses to help his clients, and how he can help you. Then, President Biden is pushing trillions of dollars in new spending … and his supporters in Congress are considering several different tax hikes to pay for it all. One of them is a so-called “death tax” … that’s a tax that your family has to pay whenever they inherit something from you. But former U.S. Senator Heidi Heitkamp, a Democrat, tells CNBC that would be a big mistake. Hear Steve

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7:53

Is Another Recession Coming?

Retire Texas Style! ·

2021/12/17

While a lot of talk surrounds the fear of inflation pushing us into another recession, an expert says we may already be in one. Dartmouth College professor David Blanchflower points to two major indices of consumer confidence that have dropped more or just as much as they did ahead of the 2008 crash. He believes that the U.S. will firmly be in a recession at the end of this year. That’s scary. What steps should be taken to safeguard the savings for those who are nearing or have just entered

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9:28

Your End of Year Financial Checklist

Retire Texas Style! ·

2021/12/10

Believe it or not we’re already in the fourth quarter of the year! And Morningstar’s Christine Benz says that means it’s time to take stock of your investments…what are some other things we might want to look at as we approach the end of another year? Do you have any retirement accounts that you’re not aware of? Don’t laugh, there’s a lot of them out there. CNBC says that’s why there’s legislation pending in Congress that would create an online “lost and found” database for 401(k) and pension

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7:27

Check In with Your Retirement Accounts & Create...

Retire Texas Style! ·

2021/12/03

One of the most basic retirement planning questions people have is “How am I doing?” We want to know if we’re on track for a comfortable retirement, or if we might need to change something. To help, Fidelity came up with some so-called “benchmarks” for how much money we should have set aside, by certain ages. Are these kinds of things generally helpful, or is there a better way of determining how we’re doing? There’s a term that occasionally pops up in the financial media “lifetime income.”

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9:06

End of Year Planning Starts Now!

Retire Texas Style! ·

2021/11/26

Liz Weston, a personal finance writer for Nerd Wallet, says you can gain … or lose … as much as $100,000, just by the way you claim Social Security! And she says you never want to make your claim based on something a Social Security employee tells you. But if we can’t rely on someone who works there to give us good advice, who can we turn to? It’s November and Investopedia says you don’t want to wait ‘til the last minute to do your year-end tax planning. So, what do we need to do and how do we

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8:03

The Market and Your 401k!

Retire Texas Style! ·

2021/11/19

Fidelity says the average IRA balance is up 21% from a year ago, while the average 401(k) balance is up 24%! And the total number of million-dollar retirement accounts has nearly doubled over the same period! Obviously, we have the markets to thank for that. But before we celebrate too much, remember what those same markets did to our retirement accounts back in 2008! We know that we have zero control over the markets – but does that necessarily mean we don’t have any control over what happens to

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8:45

Nearly 1 of every 10 American adults is now a...

Retire Texas Style! ·

2021/11/05

I know we’re supposed to put 3-to-6 months worth of living expenses in an emergency fund, but where do we keep that money? Wouldn’t it earn more in a Roth IRA than in a regular savings account? Is that a good idea, or would you advise against it? This may surprise you: A new report from the Credit Suisse investment bank estimates that nearly 1 of every 10 American adults is now … a millionaire! That’s great news but I’m sure a lot of those new millionaires are wondering, “Now what?” How do we

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