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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

10:38

Is the Stimulus Payment Taxable?

Retire Texas Style! ·

2021/03/08

It's TAX TIME! Steve discusses what you need to know about the stimulus payment's impact to your taxes! See omnystudio.com/listener for privacy information.

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6:28

What Does Your Tax Future Look Like?

Retire Texas Style! ·

2021/03/01

President Biden has repeatedly told us that – unless we earn more than $400,000 a year – he won’t be raising our taxes. But we know that he’s considering an increase in the capital gains tax. So, if this happens, how do we approach our holdings in stocks? See omnystudio.com/listener for privacy information.

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9:16

What Actually Happened with Gamestop Stock?

Retire Texas Style! ·

2021/02/15

We’ve seen a lot in the news lately about GameStop. Supposedly, individual traders banded together on social media to somehow manipulate that company’s stock price. The claim is that these traders are getting rich – and they’re doing it at the expense of hedge fund managers. Is this a way to make some easy money – or is it a case of “If it seems too good to be true…?” See omnystudio.com/listener for privacy information.

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7:34

Questions to Ask Your Advisor

Retire Texas Style! ·

2021/02/08

What questions should you ask while looking for the perfect advisor for you? Then, a study by Capital One finds that the average age at which someone inherits money is 51, meaning the money comes just about the time the heir is trying to boost his-or-her nest egg. So, let’s pose a hypothetical: Suppose I’m in my 50s … I inherit maybe 50-or-100 thousand dollars … and I want to use that money to improve my retirement prospects - is this possible? See omnystudio.com/listener for privacy

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11:44

Happy 2021!

Retire Texas Style! ·

2021/01/18

Happy New Year! Hear Steve explain what possible financial and tax changes could be coming our way in this new year and how he can help you protect and GROW your income. See omnystudio.com/listener for privacy information.

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11:05

What is a 401k Annuity?

Retire Texas Style! ·

2021/01/14

BlackRock has started to offer something in certain 401(k)s that’s rather new. The Wall Street Journal reports that five employers have signed up with the investment giant to offer annuities in their plans. In theory, that would allow workers to receive retirement payments for the rest of their lives. Could this savings approach turn into a trend? How do you know if the annuity they’re offering is right for you? The retail chain known for selling nearly everything for a buck-or-less, is warning

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12:14

Finding Opportunity in the Obstacle!

Retire Texas Style! ·

2020/12/28

Is now the time to take everything out of the market? Whats the best approach during this market volatility with an uncertain future? Three months ago, one of the most common questions among baby boomers was “Can I afford to retire?” Now that the market has dropped, I’m guessing it’s even more common. Should the answer to that question be any different today than it was then? In these times of social distancing, you can still meet with Steve via a virtual meeting - CLICK HERE !See

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8:09

Retirement Then and Now

Retire Texas Style! ·

2020/12/21

Looking back at our childhood, many of us would agree that our parents had a harder life than we’ve had. But the Money Talks News website argues that our parents had an easier retirement than we’ll probably have. Why do you suppose that is? Visit Steve today! See omnystudio.com/listener for privacy information.

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11:17

2021 Politics and YOUR Taxes!

Retire Texas Style! ·

2020/12/14

Fox Business cites a survey showing that a majority of Americans believe the outcome of the election is going to hurt them, financially. And surprisingly, people from both major political parties feel that way! Regardless of how you feel about the election results, there’s a good chance your tax rates will be going up in 2021. But IRA expert Ed Slott tells Yahoo Finance it’s up to you to decide by how much. Hear how Steve says you can manage how much you give to Uncle Sam! See

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8:21

What Will Cost You $300K in Retirement?

Retire Texas Style! ·

2020/12/04

The new healthcare estimates are in: Fidelity says a 65-year-old couple retiring this year can expect to spend about $295,000 in healthcare costs, over the rest of their lives! That’s $10,000 more than last year. And considering that we’ll still have all our other retirement expenses to pay, how in the world do we prepare for that? Fidelity’s annual Health Care Cost Estimate says a 65-year-old couple retiring this year should expect to spend about $295,000 on health care costs alone in

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6:24

How Much Money Do You Waste a Month?

Retire Texas Style! ·

2020/11/20

How much money do you waste a month? Did you know the average baby boomers spends $680+ a month on nonessentials? That’s a $1 here, $5 here and only $10 next time, well it adds up! Did you ever think that you were wasting money or leaving money on the table? Do you REALLY need that new iPhone? Or Starbucks every day? What if you could take that extra cash and put it towards something more rewarding – your retirement! When you meet with Steve, he can show you where you’re leaving money on the table,

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11:35

Be Proactive and Protect Your Money

Retire Texas Style! ·

2020/11/13

Steve discusses why its so important to be proactive with your financial plan and if your married, why both spouses need to be on the same page. Then some analyst say we are headed into a bull market while other say we're going into a recession - how do we know who to believe and how can we protect our money? Plus, what you need to know about your first meeting with Steve! Call to schedule a FREE Portfolio Review with Steve over the phone, ZOOM or in person! See omnystudio.com/listener for privacy

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10:06

If Biden Wins - What Does that Mean for Your Estate...

Retire Texas Style! ·

2020/11/06

Reuters is reporting a rush on estate planning appointments, because of fears about how the rules might change if Joe Biden wins the election. Are there steps we could take now that would benefit us in the event that the rules do change? Steve talks about taking control of your money! Schedule a Complimentary Consultation with Steve TODAY! See omnystudio.com/listener for privacy information.

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10:49

Find Out Why Planning for Retirement is like a Symphony!

Retire Texas Style! ·

2020/10/30

How many different income streams or buckets of money do you think you need? Hear how Steve says planning for retirement is like a symphony!See omnystudio.com/listener for privacy information.

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12:50

Do This for 30 Minutes a Day to Improve YOUR Finances!

Retire Texas Style! ·

2020/10/23

The biggest fear of planning for retirement, is running out money. Make sense, right? You have received a paycheck you're working life, so where does the paycheck come when you leave the working world for retirement? That's were Steve comes in! Steve can show you how he can create income you can't outlive and give you that added peace of mind. Have you thought about what you will do in retirement? What about creating a bucket list? Do you want to travel, work with a non-profit, take the grandkids to

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9:22

Possible Biden Changes to Your 401k and what it means...

Retire Texas Style! ·

2020/10/16

Democratic presidential nominee Joe Biden wants to change the way the tax code treats 401(k) contributions. Investing strategist Matthew Sommer tells CNBC that Biden wants to convert the tax deductibility of contributions to a 26% refundable tax credit. It sounds like he's saying this would be good for low-income savers, but bad for everyone else. Is that accurate and – if so – how would you advise clients to respond to this potential change? Call Steve today for your Complimentary Portfolio

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10:47

Can You Still Retire in 2020?

Retire Texas Style! ·

2020/10/09

Was 2020 your year to retire? Has the pandemic and market volatility caused you to change your mind? Is it still possible to retire in 2020? Hear how Steve helps people just like you comb through the many income options and decisions and puts a plan together that works specifically for YOU. Call Steve today for a Complimentary Portfolio Review! This is a great time to see if you are on the right track on your financial road to retirement! See omnystudio.com/listener for privacy information.

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13:48

Why Steve? Why Hoyl Financial?

Retire Texas Style! ·

2020/10/02

Steve welcomes teammate Derrick to the show! Derrick talks about what makes Hoyl Financial stand out among other financial advisors, what makes Steve so special as an advisor and how they focus on creating and building a relationship as a foundation with clients. Plus, hear some great client stories ! Is Steve a fit for you? Is Hoyl Financial a fit for you? Find out! If you have questions, concerns or FEARS about planning for your retirement, call Steve and the team today for your Complimentary

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7:59

How Much Money Do I Need To Retire ?

Retire Texas Style! ·

2020/09/25

It’s probably the most asked question to any financial advisor, “how much money do I need? Is there a magic number?” First, everyone’s situation is different so everyone’s “magic number” will be different. There is no one standard that says once you have saved "X" amount of money you can retire. You actually need various types of income, that's where you hear about saving in different buckets of money. In this episode, Steve discusses those buckets of money, his process and how he treats his clients

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11:09

32% of Americans would Sacrifice THIS to Retire Early...

Retire Texas Style! ·

2020/09/18

What would you be willing to sacrifice in exchange for retiring ten years sooner than planned? According to a new Finance-Buzzsurvey, a third (32%) of Americans would give up shopping for two years. A fourth (26%) would agree to quarantine for an additional six months. And 8% would even give up the family pet! What does it take to be able to retire early? Then, CNBC says leaving a 401(k) behind at an old job is like putting money in a box under your bed and forgetting that it’s there. But the

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