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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

business investing

All Episodes

18:44

The Pitfalls of DIY Retirement Planning

Retire Texas Style! ·

2024/06/18

Planning for retirement is essential for financial success and peace of mind. Many people in their 50s feel they will never be able to retire because they haven't consulted with financial professionals. Having a financial plan and working with a professional can provide a path to financial success. Procrastination and fear of the unknown often prevent people from taking action. DIY retirement planning is not recommended, as it can lead to gaps and mistakes. It is important to have a written plan, be

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16:15

Retirement Planning Pitfalls: Why DIY Isn't Always...

Retire Texas Style! ·

2024/06/11

In this episode Steve and Derrick delve into the challenges of do-it-yourself (DIY) approaches to retirement planning. Inspired by their own DIY home repair stories, they draw parallels to the complexities and potential pitfalls of managing your own retirement.Discover why relying solely on Google for your retirement strategy can lead to costly mistakes, and how professional guidance can fill critical gaps in your financial plan. Get your FREE Portfolio Review! See omnystudio.com/listener for

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13:21

Debunking Investment Myths

Retire Texas Style! ·

2024/06/04

Steve and Derrick tackle the old Wall Street adage "Sell in May and Go Away." Discover why this outdated advice might not align with your investment goals today. Learn about the importance of long-term planning, the pitfalls of target date funds, and how a personalized approach to retirement planning can make all the difference. Plus, hear insights from Warren Buffett on taxes and legacy planning, and understand how recent tax changes could impact your financial future. Schedule your personalized

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15:38

Retirement Planning Beyond Finances

Retire Texas Style! ·

2024/05/28

Learn why it's crucial to have a diversified portfolio, the potential pitfalls of gold IRAs, and the impact of consumer confidence on investment decisions. With practical advice and heartwarming anecdotes, this episode is a must-listen for anyone looking to balance financial security with the joy of making lasting memories in retirement. Get your FREE Portfolio Review TODAY! See omnystudio.com/listener for privacy information.

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18:09

Navigating Retirement Planning Amidst Political...

Retire Texas Style! ·

2024/05/21

In this episode, Steve and Derrick dissect the impact of the upcoming 2024 election on retirement finances, discussing market volatility, potential recessions, and the looming specter of Social Security uncertainty. From analyzing the aftermath of Tesla layoffs to dissecting the nuances of annuities and tax-saving strategies, Steve and Derrick offer invaluable insights and actionable advice to safeguard your financial future. Call Steve today for your FREE Portfolio Review! See

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20:46

Strategies to Minimize Taxes on Inherited Assets

Retire Texas Style! ·

2024/05/14

Many Americans are retiring early, but this poses challenges such as healthcare costs and the lack of social security income. Planning for retirement is crucial to address these challenges. A 401k is only one part of the financial puzzle, and there are many other aspects to consider, such as social security, insurance, long-term care, and different investment options. Having a tax strategy is important to minimize the tax burden on inherited assets. It's essential to have a comprehensive plan and

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16:24

The Importance of Generating Income in Retirement

Retire Texas Style! ·

2024/05/07

The conversation focuses on retirement planning and the importance of generating income during retirement. Steve and Derrick discuss the misconception of relying solely on a specific savings number and emphasize the need for guaranteed sources of income like Social Security. They also highlight the benefits of fixed annuities and the potential risks and fees associated with variable annuities and 401(k) plans. The conversation concludes with a discussion on the importance of controlling taxes and

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16:23

Retire Texas Style: Building Your Financial Legacy

Retire Texas Style! ·

2024/04/30

In this episode, Steve and Derrick delve into the importance of meticulous planning, tax strategies, and risk assessment to ensure a smooth transition into retirement. Learn how to create a sturdy income plan that lasts through retirement and discover strategies for managing financial risks effectively. From navigating Social Security to mitigating market volatility, Steve and Derrick provide insights into building a retirement plan that stands the test of time. Get your CUSTOM Income Review

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18:26

Don't Delay Your Dreams: Plan for Retirement Today!

Retire Texas Style! ·

2024/04/23

Are you approaching retirement and feeling overwhelmed by the financial planning process? On todays episode we will discuss... The importance of acknowledging and managing your emotions when planning for retirement. How to create a realistic budget that considers future expenses, including potential assistance for your children. Why having a consistent, dependable income stream is crucial for a stress-free retirement. Strategies to avoid the biggest threat to your retirement security: market

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10:56

Maximizing Wealth: The Power of Deferred Tax...

Retire Texas Style! ·

2024/04/16

Steve is joined with special guest Shawn O'Keefe, and they explore a crucial tax strategy for maximizing wealth. Discover how this unique approach allows sellers of highly appreciated assets to defer capital gains taxes, keeping more money working for them. Whether you're a small business owner, entrepreneur, or investor, this strategy offers a game-changing exit plan while preserving your hard-earned wealth. Shawn delves into the intricacies of this tax-saving method, shedding light on its

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8:23

Mastering Retirement: Navigating Taxes & Strategic...

Retire Texas Style! ·

2024/04/09

Discover the importance of having a solid tax strategy in retirement, as Steve and Derrick discuss the significant impact taxes can have on your retirement income. Learn why merely having financial assets isn't enough and how a comprehensive tax plan can optimize your financial future.Delve into practical steps to develop a customized tax plan tailored to your goals and circumstances. From identifying tax-saving opportunities to executing strategic Roth conversions, Steve and Derek provide

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9:26

Overcoming Retirement Spending Fears

Retire Texas Style! ·

2024/04/02

Learn why understanding your retirement income potential is crucial for living your best life post-retirement. Explore heartwarming stories of clients who have embraced their golden years with joy and fulfillment, debunking the myth of dwindling opportunities in retirement. Gain valuable tips on crafting a retirement plan that aligns with your goals, dreams, and desires. Whether you're a seasoned retiree or preparing for the journey ahead, tune in to discover how you can live a retirement filled

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7:00

Jeff Bezos Tax Strategy: Navigating Retirement Taxes...

Retire Texas Style! ·

2024/03/26

Discover actionable insights to safeguard your wealth against inflationary pressures and market uncertainties, as Steve and Derrick provide expert guidance on building a comprehensive retirement income plan. From Roth conversions to diversification strategies, learn how to maximize income streams and mitigate risks in an evolving financial landscape.Whether you're a seasoned investor or just starting to plan for retirement, this episode offers invaluable advice to help you navigate the complexities

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8:58

Navigating Divorce & Retirement: Financial Insights...

Retire Texas Style! ·

2024/03/19

From the impact on standard of living to the division of assets and retirement planning, Steve and Derrick provide valuable insights into the financial repercussions of divorce. They emphasize the importance of total re-planning and proper financial guidance to mitigate the challenges of starting over. Additionally, they discuss crucial factors such as Social Security benefits, healthcare costs, and long-term care planning that often accompany life transitions like divorce or widowhood.Whether

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8:11

Shaq's Financial Playbook: Strategies for Smart...

Retire Texas Style! ·

2024/03/12

Despite his immense wealth, Shaq's journey to financial stability offers valuable lessons for everyone. Learn how Shaq leverages his trusted advisors to evaluate business offers and secure his financial future. Discover the importance of having a non-emotional approach to financial planning and how it can lead to long-term success. Steve and Derrick explore the challenges faced by professional athletes and small business owners alike, emphasizing the need for strategic financial planning to ensure a

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9:26

Maximizing Social Security Benefits: Strategies for a...

Retire Texas Style! ·

2024/03/05

Discover how timing plays a crucial role in Social Security elections and how making informed choices can significantly impact your retirement income. Learn from real-life examples, including one where a client preserved their benefits by understanding the implications of their decision.Don't leave your retirement to chance—tune in to this episode to gain practical tips and strategies for optimizing your Social Security benefits and achieving financial security in retirement. Call Steve today for

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9:21

Babe Ruth's Annuity Legacy & Securing Retirement...

Retire Texas Style! ·

2024/02/27

Discover how Ruth's purchase of an annuity in the 1920s provided him with financial security during the tumultuous years following the Great Depression, offering valuable lessons for today's retirement planning.In this episode, Steve and Derek discuss the evolution of annuities and the importance of choosing the right annuity to meet individual financial goals. Learn about the benefits of modern annuity options, including guaranteed principal and income, and how they can provide peace of mind in

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9:39

Tyler Perry's Retirement Plan & Unveiling Retirement...

Retire Texas Style! ·

2024/02/20

Join Steve and Derrick as they discuss the fascinating retirement plans of Tyler Perry and unveil common retirement myths. From Tyler Perry's vision of a laid-back retirement to the reality of financial planning, this episode offers valuable insights into retirement preparation. Explore the importance of having a personalized retirement plan tailored to individual needs and aspirations. Learn why merely having money saved isn't enough without a clear vision for retirement. Then, Steve and Derek

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7:54

Overcome Financial Mistakes with Hoyl Financial Group

Retire Texas Style! ·

2024/02/13

In this episode, Steve and Derrick share insights on overcoming financial mistakes, handling unexpected challenges, and crafting a secure financial future. Discover how Steve and his team help clients navigate through credit card debt, auto loans, and retirement planning intricacies. Whether you're a risk-taker in the oil fields or someone cutting coupons at home, Steve and Derek provide practical advice and emphasize the importance of seeking professional guidance. Don't let financial uncertainties

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7:25

Trump Tax Cuts and Your Retirement Strategy

Retire Texas Style! ·

2024/02/06

Join Steve and Derrick as they address the implications of the Trump tax cuts signed into law in 2017. With these cuts set to expire soon, Steve and Derrick discuss the potential impact on individual tax rates, standard deductions, and more. Learn how to proactively plan for changes in tax policies, ensuring your retirement remains secure. Discover strategies to safeguard your hard-earned money, including insights on tax efficiency, Social Security optimization, and the critical role of a Roth

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221 results

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