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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

8:18

Football Defense and Your Retirement (Plus Market...

Retire Texas Style! ·

2021/10/22

Football is finally back and there’s an old saying, “Offense wins games, but defense wins championships.” Best-selling financial author Patrick Kelly says the same can be true for your retirement strategy…but how do we keep from “giving up points” when it comes to our nest egg? Then, both the Dow and the S&P 500 recently closed at new record highs. So, what does that mean for your investing strategy? Is it dangerous for us to get too comfortable with the idea that our investments are just going

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8:36

Are some of us being forced to change our retirement...

Retire Texas Style! ·

2021/10/08

Blackrock CEO Larry Fink tells CNBC that record-low interest rates are a major problem for those of us trying to save for retirement and we are headed for a silent crisis - is he right? Are these low rates going to force some of us change our retirement plans?, Inflation has been a hot topic in recent months, but Market Watch says – if you’re planning for retirement – inflation should always be a hot topic. How do we make sure we can maintain a consistent standard of living through all the years

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9:43

Do you have a Will or an Estate Plan?

Retire Texas Style! ·

2021/09/24

Steve talks about income for life keep pace with inflation. Have you taken the time to draw up an actual estate plan or are you just going to leave your family to hope for the best? According to the latest Gallup poll, a majority (54%) of Americans don’t even have a will! Why does it matter so much? See omnystudio.com/listener for privacy information.

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6:56

Steve's KLVT Interview 9/13/21: Prepare for Higher...

Retire Texas Style! ·

2021/09/21

The National Debt has grown to a cool $16 million since the beginning of the pandemic! Experts say the bill is coming due soon and guess who gets to pay it? US! YES - ME AND YOU! That means higher taxes! Steve, what does this mean for us as we get close to retirement or are already retired? See omnystudio.com/listener for privacy information.

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8:51

How can You Keep Up with Inflation in Retirement?

Retire Texas Style! ·

2021/09/10

The Senior Citizens League says if you’d retired in the year 2000 with a total income of $100,000, you’d now need $156,000 to be able to afford the same standard of living. That’s thanks to inflation, which – by the way – has been rising much faster than usual lately. We’d like to think that we’ll be able to replace our current income in retirement, but it appears we’re losing ground. What’s the answer? Hear Steve explain! See omnystudio.com/listener for privacy information.

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7:25

Inflation and Facing the Perfect Storm

Retire Texas Style! ·

2021/08/27

With inflation back, the Fed may have to at least consider changing some of its policies. And Moody’s Analytics economist Mark Zandi tells CNBC that’s going to make your portfolio vulnerable to a 10-to-20 percent correction! He goes on to say that it could take up to a year to return to break-even. First, do you agree with what he’s predicting? And second, is that a problem? Then, Kiplinger warns that those of us approaching retirement are facing a “perfect storm”: Low interest rates and high

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11:40

Steve's KLVT Interview Aug. 9, 2021: How do You know...

Retire Texas Style! ·

2021/08/17

Hear Steve's interview on Good Morning Texas with Michael Wiiest.... While it seems like a simple question, think about it – how do you know WHEN you’re ready to retire? When a lot of us think about retirement – we think about FREEDOM! But it also means that the paycheck we have counted on for decades is no longer there right? Most importantly, how can Steve help you secure income for life you can't outlive? See omnystudio.com/listener for privacy information.

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9:43

Small Business Owners: Hear how YOU can protect your...

Retire Texas Style! ·

2021/08/13

President Biden wants to change the way assets are taxed when they’re passed on to our children or other heirs. He says the changes would affect only the ultra-rich, but critics argue that middle-class Americans would be hit hard as well. South Dakota Governor Kristi Noem tells Fox Business that her family had first-hand experience with the kind of tax Biden is pushing and the impact was HUGE. If Biden does push through these tax changes, what can small business owners do to keep from losing

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8:56

Inflation & Being Prepared for Retirement Taxes

Retire Texas Style! ·

2021/07/30

Inflation is up … but the Fed says it’s not worried. Should we be concerned? Portfolio manager Nancy Davis tells CNBC that we absolutely should be! So, what threat do we need to be most concerned about now? If you know someone who’s already retired, ask them to tell you their biggest financial regret. The people at Nationwide Financial did that and the number-one response was … people wish they’d done more to prepare for their retirement taxes! So, for those of us who are nearing retirement,

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10:45

Steve's KLVT Interview July 19, 2021: Being Confident...

Retire Texas Style! ·

2021/07/26

Hear Steve's interview on Good Morning Texas with Michael Wiiest.... Steve talks about the steps you need to make sure you are successful retirement without being overconfident about it ! See omnystudio.com/listener for privacy information.

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12:49

President Biden: Big Tax Changes Coming Your Way -...

Retire Texas Style! ·

2021/07/16

Now that President Biden is trying to raise the inheritance tax, CNBC says some people are considering life insurance as an estate planning tool. Is that really an option? See omnystudio.com/listener for privacy information.

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10:12

Having Financial Independence: Hear How Steve Can...

Retire Texas Style! ·

2021/07/02

The CDC says America’s birth rate dropped last year by 4% – our biggest decrease in half-a-century. Professor Kasey Buckles, an economist at Notre Dame, tells CNBC that’s bad news for retirees - why? Hear why Steve is so passionate about helping people with retirement and how he can replace that paycheck in retirement! See omnystudio.com/listener for privacy information.

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10:42

The Difference Between Income and Money

Retire Texas Style! ·

2021/06/18

A report by the Employee Benefit Research Institute (EBRI) found that roughly 10% of baby boomers in the highest income group will run short of money! And the percentage is even greater for those in the more modest income groups. So, we clearly have a problem here. How do we keep that from happening? Steve talks about the difference between income and money. You may have see that Census Bureau story about Texas and Florida being the fastest-growing states, population-wise. Coincidentally, both

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8:58

Do You Know What You Pay for Your 401k?

Retire Texas Style! ·

2021/06/04

We have some breaking news, courtesy of the financial geniuses at Market Watch: They’re reporting that … quote, “Most people have no clue what they pay for their 401(k).” Hmmm, let’s see … where have we heard that before? Oh yeah, we heard it from you … right here on this show! You’ve been telling us for a long time that a lot of retirement savers are having their returns eaten up by fees … and they don’t even realize it! So, please tell us again, what can we do about that?See

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10:08

Are You Being Forced to Retire Early?

Retire Texas Style! ·

2021/05/28

Retirement is something we look forward to – if we’re prepared. But the Census Bureau says the pandemic is forcing some 3 million older Americans to retire earlier than they’d planned. Steve discusses how if you're in this situation, how he can help you - its never to late for financial planning. Then, Steve talks about how President Biden said that no one making under $400,000 will have taxes increase but that is a lie according to Steve! How can you prepare NOW? See omnystudio.com/listener for

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4:55

Steve Chats with Bill Murray : What Didn't Air!

Retire Texas Style! ·

2021/05/18

On this weeks show, you may have heard Steve interviewing Bill Murray - how cool is that ? Steve had the opportunity to meet and chat with Bill Murray and his brothers (Brian Doyle, Joel, Andy and Johnny) during their 20th "Murray Bros. Caddyshack Charity Golf Tournament" in St. Augustine, FL! This is a small part of the interview that didn't air - enjoy! See omnystudio.com/listener for privacy information.

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8:45

Paying for Healthcare in Retirement

Retire Texas Style! ·

2021/05/11

When it comes to the different expenses you’re going to have in retirement, most of them are fairly predictable. But there’s one that could range from a little … to a lot: Healthcare. You might get lucky … or you might suffer a major illness that wipes out the savings you thought would last you 20 or 30 years. So, how can we plan for healthcare, when we really have no way of knowing how much it’s going to cost us? See omnystudio.com/listener for privacy information.

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8:50

How Much Money Do You Need?

Retire Texas Style! ·

2021/04/19

Do you worry about running our of money in retirement? How much money would you need to have in your retirement account to feel comfortable? Steve shares his bucket approach and how he can help you retire STRESS FREE and never run out of money! See omnystudio.com/listener for privacy information.

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9:31

Investing in a Frothy Market

Retire Texas Style! ·

2021/04/05

A lot of investors have been celebrating the new record highs on Wall Street. But CNBC’s Jim Cramer is not one of them. Cramer says the rallies are not supported by the fundamentals, a condition he describes as being a “frothy” market…what about those of us who have retirement savings in the market – do we also need to “take something off the table”? See omnystudio.com/listener for privacy information.

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7:59

Investing in Bitcoin

Retire Texas Style! ·

2021/03/16

Steve talks about if it's okay to invest “a small amount of money” in Bitcoin, or is it just too risky for those of us who are trying to grow our nest egg?See omnystudio.com/listener for privacy information.

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224 results

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