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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

20:11

Securing Your Retirement: Navigating Social Security...

Retire Texas Style! ·

2024/01/30

In this special edition, Steve is joined by David Duley, the founder of the Social Security Risk Score. Dive into the crucial discussion about the future of Social Security and how it impacts your retirement. As 2024 unfolds with uncertainties, they explore the individual decisions surrounding Social Security, potential income gaps, and strategies to fill them. Learn about the innovative Social Security Risk Score tool that can assess your unique circumstances and provide a tailored risk analysis

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7:29

Decoding the Stealthy Impact of Inflation: Unraveling...

Retire Texas Style! ·

2024/01/23

Are you feeling like you can never get ahead financially, no matter your income? You're not alone. The staggering reality is that the typical American household must spend an additional $11,434 annually just to maintain the same standard of living as of January 2021. Learn how inflation isn't just a number on the news but a silent force impacting your daily life, from grocery bills to over-the-counter medication. The hosts expose the hidden factors that affect middle-class America the most, such as

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7:16

Rollovers Demystified: Taking Control of Your Retirement

Retire Texas Style! ·

2024/01/16

In today's episode, Steve and Derrick break down the intricacies of 401K rollovers. With a surge in interest, as highlighted by a 150% increase in requests for advice, the hosts shed light on the expected $760 billion rollover market this year. Don't miss this empowering episode that will equip you with the knowledge to take charge of your retirement journey. Whether you're considering a rollover or planning for the future, Steve and Derrick provide actionable advice to set you on the path to

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5:17

Decoding the 4% Rule: Navigating Modern Retirement...

Retire Texas Style! ·

2024/01/09

Join Steve and Derrick for this eye-opening episode as they dissect the traditional 4% rule for retirement spending. The landscape has changed, and the rule has evolved. Learn why withdrawing 4% in the first year may no longer be sufficient and why aiming for around 4.7% might be the sweet spot. The hosts delve into the risks associated with deviating from this rule – taking too much may jeopardize your financial longevity, while taking too little may leave money on the table. Discover a robust

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5:00

Retirement Planning in a Shifting Political...

Retire Texas Style! ·

2024/01/02

With the Trump tax code set to undergo changes, Steve and Derrick explore the impact on financial and retirement planning, emphasizing the need for a proactive approach. The hosts stress the urgency of taking advantage of the current historically low tax rates, offering a unique perspective on the potential challenges that could arise in the next few years. Drawing parallels to past decades, they provide valuable insights into the dynamics of tax rates and inflation, urging listeners to act now and

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5:07

Mastering Your Retirement Finances: The 401(k)...

Retire Texas Style! ·

2023/12/26

In this insightful episode of Retire Texas Style, join Steve and Derrick as they unravel the complexities of 401(k) management. The hosts address common concerns and confusion about planning for retirement, offering guidance and practical tips. Discover the key challenges post-retirement when managing your 401(k) and the need for a comprehensive income strategy. Derrick breaks down the concept of "spending down" your money, shedding light on taxation, required minimum distributions, and the art of

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5:22

Unveiling the Millionaire Mindset: Do You Need $1...

Retire Texas Style! ·

2023/12/19

The age-old question resurfaces: Do millionaires truly feel rich? A recent survey reveals that only 8% of Americans with at least $1 million consider themselves wealthy. But here's the twist – does the concept of being rich even have a fixed number in today's dynamic financial landscape? Steve and Derrick Hoyl Financial break down this topic and more! Steve and Derrick challenge the traditional $1 million retirement target, highlighting the changing dynamics of longevity and purchasing power. As

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5:51

Navigating Market Storms: Strategies for a Calm...

Retire Texas Style! ·

2023/12/12

Drawing inspiration from best-selling author Patrick Kelly, Steve and Derrick discuss the importance of planning for market storms before they hit, likening it to Noah building the ark before the downpour. The duo emphasizes the emotional impact of market swings and provides practical advice for investors of all ages. With the year-end approaching, they predict heightened volatility and stress the need for diversification and alternative strategies to weather financial uncertainties. Learn why fixed

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7:26

Decoding the 2024 Tax Landscape: What New Brackets...

Retire Texas Style! ·

2023/12/05

Join Steve Hoyl and Derrick Caldwell from the Hoyl Financial Group as they unravel the intricacies of the IRS's latest tax bracket adjustments, set to roll out in 2024. While the prospect of lower tax rates sounds promising, Steve and Derek delve into a crucial aspect that often gets overlooked—how these adjustments impact the taxation of Social Security benefits, especially for retirees. With more than half of retirees expected to pay taxes on their Social Security income next year, the duo sheds

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6:24

Maximizing Your Retirement: Insights from Black...

Retire Texas Style! ·

2023/11/28

In this episode, we explore Black Rock's recent report, revealing insights into creating a successful retirement. With an astonishing $8.5 trillion in assets under management, Black Rock shares unconventional strategies that go beyond market risks. Join hosts Steve, Derrick, and Jess as they discuss key recommendations from Black Rock, including delaying Social Security for higher benefits, considering a delayed retirement if needed, decreasing risk, optimizing asset allocation, and exploring

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7:31

David Foster & Katharine McPhee: Love, Family, and...

Retire Texas Style! ·

2023/11/21

Join host Steve Hoyl for an unforgettable interview with music legend David Foster and his talented wife, singer-songwriter, and actress Katharine McPhee. With 16 Grammy Awards and a remarkable career, David Foster shares insights into his journey, while Katharine McPhee discusses her experience as a new mom. The conversation also touches on their involvement in philanthropy, particularly the impactful work of the David Foster Foundation, which has positively affected over 1400 families. David and

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5:54

Securing Your Retirement: The Defensive Approach You...

Retire Texas Style! ·

2023/11/14

Despite Wall Street's recent struggles, Steve emphasizes the need to be defensive and protect your capital. Join us as we explore the Rule of 100, guiding you on managing risk as retirement approaches. Steve shares crucial insights into a unique strategy that offers upside exposure without the downside risk, ensuring your money stays safe while still enjoying significant returns. Discover why it's essential to take control of your retirement funds, especially when time is limited. If you're seeking

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7:09

Social Security: Protecting Your Retirement Income

Retire Texas Style! ·

2023/11/07

You've heard the rumors, "Social Security is going broke!" There are growing fears that Social Security may face financial challenges, potentially leading to reduced benefits for retirees as early as 2033. Join our hosts, Steve and Derrick, as they discuss the implications of potential Social Security cuts and how it can impact your retirement. They dive into the importance of understanding your Social Security risk and provide practical strategies for optimizing your benefits. Learn how to create a

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7:44

Retire Texas Style: Charles Feeney's Legacy and...

Retire Texas Style! ·

2023/10/31

Join Steve and Derrick, your trusted financial advisors with offices spanning across the great state of Texas, from Midland and Odessa to Lubbock, Amarillo, Dallas-Fort Worth, and Austin, among others. In this episode, we explore the inspiring story of Charles Feeney, a billionaire philanthropist who chose to give away most of his wealth while he was alive. Discover the pros and cons of adopting a similar approach in your financial planning, ensuring your legacy is built on your terms. The

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9:45

Managing Your Cash Holdings: How Much is Too Much

Retire Texas Style! ·

2023/10/24

In today's discussion, we tackle a financial concern that's on many minds—cash holdings. A recent study revealed that more than half of Americans are holding onto extra cash due to concerns about a market crash or recession. But how much is too much, and should you consider increasing your cash holdings? The team at Hoyl Financial offer valuable insights into the balance between cash reserves and investments. They emphasize the importance of having a plan and avoiding extremes. Holding onto too much

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9:17

Texas-Size Appetites & Tax-Savvy Retirement

Retire Texas Style! ·

2023/10/17

Hear Steve and Derek dive into an irresistible discussion about Texas-sized appetites, Girl Scout cookies, and how food and savings strategies go hand in hand. Discover how they reminisce about local favorites like Whataburger, Taco Villa, and their love for jalapeno biscuits, and you'll quickly understand the true meaning of enjoying the best things in life. But it's not all foodie talk. Steve and Derrick pivot to a more serious topic: taxes. They highlight the importance of tax planning in

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7:34

Secure Your Retirement: The Annuity Advantage Over Bonds

Retire Texas Style! ·

2023/10/10

You've likely used the stock market to grow your retirement savings, but what happens after retirement? Roger Ibbotson, Emeritus finance professor at Yale University, advises that you should reduce risk during your early retirement years. Traditional bonds, once a go-to option, now face uncertainties due to fluctuating interest rates. So, what's the solution? Annuities. Discover how annuities are emerging as a safer and more attractive alternative to bonds in your portfolio. Steve and Derrick,

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7:44

Meet Steve: Your Texas Retirement Guide!

Retire Texas Style! ·

2023/10/03

Steve takes us on a journey through his remarkable career, spanning over three decades. Starting in Amarillo, Texas, Steve's financial expertise has taken him all over the Lone Star State. From Lubbock to Midland, Odessa to Dallas-Fort Worth, and now Austin, Steve has been helping Texans retire in style! But what sets Steve and the Hoyl Financial Group apart is their commitment to getting to know you, the client, before diving into the numbers. Steve believes in the "Texas Two Step" approach –

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9:50

Navigating Tax Changes: 401K Evolution &...

Retire Texas Style! ·

2023/09/26

In this episode, we dive into two critical topics affecting your financial future: proposed changes to the tax status of the 401K and strategies to invest wisely in the face of inflation. First up, Steve discusses the proposed tax changes to 401Ks by the Biden administration. The idea of a flat 26% tax credit, regardless of your tax bracket, is causing ripples in the retirement planning world. Steve explains how the current tax deduction system works and how the proposed changes could impact savers

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10:32

Unlocking Retirement Bliss: Dreaming of Vacations and...

Retire Texas Style! ·

2023/09/19

Welcome to "Retire Texas Style," the podcast where your retirement dreams come to life. In this episode, we explore how often people daydream about vacations and financial happiness, discussing the importance of planning for retirement like planning for a dream vacation. Surprisingly, a recent survey found that Americans spend over 109 hours a year, or 18 minutes a day, dreaming about their next getaway. This sparks an intriguing question: If we can spend this much time fantasizing about vacations,

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221 results

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