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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

20:55

Tax Planning vs. Tax Filing: What You Need to Know

Retire Texas Style! ·

2025/01/21

In this episode, Jessica, Derek, and Steve discuss essential aspects of retirement planning, emphasizing the importance of year-round tax planning, understanding retirement returns, and the role of financial advisors. They delve into the complexities of annuities, their benefits and drawbacks, and the critical need for long-term care planning as healthcare costs continue to rise. The conversation highlights the necessity of proactive financial strategies to ensure a secure retirement. PROTECT YOUR

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20:36

Navigating Retirement in 2025

Retire Texas Style! ·

2025/01/07

Steve and Derrick discuss the importance of proactive retirement planning as we enter 2025. They emphasize the need for individuals to take control of their financial futures, especially in light of inflation and healthcare costs. The conversation covers the significance of custom financial strategies, the psychology behind retirement decisions, and the critical nature of understanding the sequence of returns in investment planning. PROTECT YOUR RETIREMENT SAVINGS: CLICK HERE TO BOOK YOUR MEETING

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20:41

How to Create Your Own Pension

Retire Texas Style! ·

2024/11/19

In this conversation, Steve and Derrick from discuss the importance of creating a personal pension for retirement, especially in the absence of traditional pensions. They emphasize the need for proactive financial planning, including tax strategies and addressing common fears about retirement. The conversation also touches on the future of Social Security and the necessity of having a solid plan in place to ensure financial security in retirement. PROTECT YOUR RETIREMENT SAVINGS: CLICK HERE TO BOOK

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15:27

Navigating National Debt: A Call to Action

Retire Texas Style! ·

2024/11/12

In this conversation, Steve and Derrick discuss the pressing issues surrounding national debt, tax strategies for retirement, and the importance of personal finance management. They emphasize the need for effective retirement planning and the services they offer to help individuals navigate their financial futures. The discussion highlights the emotional aspects of financial decisions and the necessity of understanding one's spending habits to ensure a secure retirement. PROTECT YOUR RETIREMENT

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21:02

Navigating Economic Predictions for Retirement

Retire Texas Style! ·

2024/11/05

Steve and Derrick discuss the importance of having a solid retirement plan amidst economic uncertainties. They emphasize the need for individuals to focus on their personal financial situations rather than external economic predictions. The discussion covers risk management, the significance of sustainable income, tax strategies, and the emotional aspects of retirement planning. PROTECT YOUR RETIREMENT SAVINGS: CLICK HERE TO BOOK YOUR MEETING TODAYSee omnystudio.com/listener for privacy

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18:46

Reaching the American Dream in Retirement

Retire Texas Style! ·

2024/10/29

This conversation delves into the complexities of retirement planning, focusing on withdrawal strategies, the impact of inflation, and the importance of having a comprehensive financial plan. Steve and Derrick emphasize the need for diversification in assets and the significance of understanding market conditions when planning for retirement. They also discuss the rising costs associated with the American dream and the necessity of optimizing Social Security benefits. Ultimately, the conversation

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21:08

Investment Strategies for Market Volatility

Retire Texas Style! ·

2024/10/22

takeaways 73% of people report anxiety due to the election. Proactive financial planning is crucial in uncertain times. Investment strategies should account for market volatility. Inflation significantly impacts retirement savings. Couples often have differing financial perspectives. Staying informed about IRA and 401k changes is essential. Diversification is key to a stable retirement portfolio. The psychological aspect of money management is important. It's vital to create a retirement income

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18:36

Crafting a Detailed Retirement Plan

Retire Texas Style! ·

2024/10/08

In this conversation, Steve and Derrick discuss the critical aspects of retirement planning, focusing on the implications of potential tax changes, the importance of having a detailed retirement plan, and common misconceptions that individuals have about retirement income. They emphasize the need for proactive management of retirement funds, particularly 401(k)s, and the necessity of understanding one's financial situation to avoid pitfalls in retirement planning. PROTECT YOUR RETIREMENT SAVINGS:

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21:16

Common Retirement Mistakes to Avoid

Retire Texas Style! ·

2024/10/01

The conversation focuses on the importance of comprehensive retirement planning, emphasizing the role of 401(k)s, income strategies, emotional aspects of retirement, and the need for effective tax strategies. Steve and Derrick discuss common mistakes individuals make regarding retirement, including the handling of Required Minimum Distributions (RMDs) and the significance of having a well-structured financial plan to navigate market volatility and economic uncertainties. PROTECT YOUR RETIREMENT

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18:50

Building a Sustainable Retirement Plan

Retire Texas Style! ·

2024/09/24

Steve and Derrick discuss the implications of falling interest rates on retirement planning, the importance of refinancing retirement, and the fears surrounding income security in retirement. They emphasize the need for long-term care planning and estate planning to secure one's legacy. The discussion highlights the interconnectedness of financial planning, tax strategies, and estate planning, urging listeners to take proactive steps in managing their financial future. PROTECT YOUR RETIREMENT

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17:41

The Necessity of Proactive Financial Planning

Retire Texas Style! ·

2024/09/18

Steve and Derrick emphasize the importance of creating income strategies that can withstand economic fluctuations, particularly in light of political uncertainties. The discussion also covers the significance of proactive financial planning, legacy considerations, and the need for comprehensive financial reviews to ensure clients are well-prepared for retirement. PROTECT YOUR RETIREMENT SAVINGS: CLICK HERE TO BOOK YOUR MEETING TODAYSee omnystudio.com/listener for privacy information.

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20:37

The Importance of Professional Guidance in Retirement...

Retire Texas Style! ·

2024/09/10

Today's conversation revolves around the rising costs of groceries, gas, and everyday expenses, and the need for a solid income strategy in retirement. The hosts discuss the importance of evaluating and adjusting income plans to keep up with inflation. They also explore the outdated 4% rule for retirement withdrawals and advocate for utilizing fixed index annuities to generate higher income. The conversation emphasizes the need for professional guidance in retirement planning and the risks of

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19:46

The Impact of the Election on Finances

Retire Texas Style! ·

2024/09/03

Steve and Derrick discuss the importance of tuning out the noise and focusing on what you can control when it comes to financial planning. They emphasize the need to have a plan in place and not let fear and uncertainty drive your decisions. They also discuss the impact of the upcoming election on finances and advise against making drastic changes based on political outcomes. Lastly, they discuss the potential interest rate cuts by the Fed and the implications for fixed income investments. Get Your

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18:48

Taking a Holistic Approach to Retirement Planning

Retire Texas Style! ·

2024/08/20

The importance of diversification, the impact of market volatility, the benefits of annuities, understanding Social Security, and strategies for maximizing retirement income. Steve and Derrick emphasize the need for a holistic approach to retirement planning and highlight the expertise of the Hoyl Financial Group in providing personalized strategies for clients. PROTECT YOUR RETIREMENT SAVINGS: CLICK HERE TO BOOK YOUR MEETING TODAYSee omnystudio.com/listener for privacy information.

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20:55

Preparing for Potential Changes and Uncertainties

Retire Texas Style! ·

2024/08/13

Episode Takeaways: Market volatility is inevitable and will occur multiple times during retirement, so it's important to have a proper retirement strategy and diversification. Being proactive in retirement planning is crucial, and waiting for things to happen and then reacting is not a good strategy. Having a customized portfolio that matches an individual's risk tolerance and income needs is essential. In-service rollovers for 401(k) plans can provide more control and flexibility in retirement

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15:53

The Myth of the Magic Retirement Number

Retire Texas Style! ·

2024/07/30

Many Americans plan to retire in their early 60s, but this may not be a wise decision due to financial considerations. Leaving work at 62 means having to pay for medical bills until Medicare kicks in at 65, and even then, Medicare doesn't cover everything. Retirees often overlook the Medicare gap, which can cost around $2,000 per month per person. This can put a significant strain on their portfolios. Planning for healthcare coverage and having the necessary assets to support it is crucial

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20:45

Maximizing Tax Benefits: The Benefits of Roth...

Retire Texas Style! ·

2024/07/16

Consider doing a Roth conversion before the expiration of the Trump tax cuts to take advantage of lower tax rates now. Plan for tax-free income in retirement by strategically converting a portion of your retirement nest egg to a Roth IRA. Be proactive in preparing for potential changes to Social Security by creating a retirement plan that takes into account the possible reduction in benefits. Diversify and protect your investment portfolio to mitigate the impact of market bubbles and potential

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17:06

Taking Control of Your Financial Future

Retire Texas Style! ·

2024/07/09

Planning for retirement and taking control of your financial future is crucial, especially during uncertain times like an election season. It's important to have a proactive approach and not let external factors dictate your financial decisions. Market crashes and downturns are inevitable, so it's important to have a market downturn protection plan and proper allocation diversification. Get your FREE Portfolio Review TODAY! See omnystudio.com/listener for privacy information.

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19:05

Managing Fees and Fund Selection in 401k Investments

Retire Texas Style! ·

2024/06/25

The conversation discusses various topics related to retirement planning, including the impact of the Dow Jones surpassing 40,000 on 401k investments, the importance of understanding fees and fund selection in 401ks, the potential for interest rate hikes and their effects on the economy, the challenges of high interest rates and inflation on retirees, the need for debt management and emergency funds, the importance of diversification and avoiding excessive risk aversion, the considerations of

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221 results

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