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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

14:02

From Country Roads to Retirement Goals: The Billie Jo...

Retire Texas Style! ·

2025/11/04

What happens when a rising Texas country star and a seasoned retirement planner swap stories about grit, legacy, and financial journeys? In this episode, Steve Hoyl sits down with Billie Jo Jones to explore her inspiring path from a tough upbringing to the country music stage, the power of family, and the real challenges of building both a career and a secure future. Discover how perseverance, planning, and honest conversations shape not just music careers, but retirement dreams—Texas style

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17:15

Retire Smarter: The Texas Style Blueprint for...

Retire Texas Style! ·

2025/10/28

Are you ready for retirement, or just hoping for the best? Discover why timing, strategy, and expert guidance matter more than ever as Derrick Caldwell breaks down the essentials of retiring “Texas style.” From maximizing your investments and managing taxes to stress-testing your financial future, this episode reveals how to build a resilient plan—no matter what surprises life throws your way. Get Your Complimentary Retirement Analysis Social Media:Facebook | XSee

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14:37

Are You Ready for the Real Truth About Annuities?

Retire Texas Style! ·

2025/10/21

What if your retirement plan could protect you from life’s biggest financial shocks? In this episode, Steve Hoyl and Derrick Caldwell break down the real pros and cons of annuities, bust common myths, and reveal why planning for long-term care is more urgent than ever. Hear personal stories, expert advice, and practical tips to help you secure your future—Texas style. Get Your Complimentary Retirement Analysis Social Media:Facebook | XSee omnystudio.com/listener for privacy

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15:42

The Retirement Expense You’re Not Expecting

Retire Texas Style! ·

2025/10/17

Are you ready to rethink retirement? Discover why the biggest expense in retirement isn’t what you expect—and how “thinking outside the box” can transform your financial future. Steve Hoyl and Derrick Caldwell break down tax strategies, income planning, and the surprising pitfalls that catch retirees off guard. Learn how to avoid common mistakes, create sustainable income, and retire with confidence—Texas style. Get Your Complimentary Retirement Analysis Social

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19:12

Roth Conversions: Why DIY Could Cost You Big

Retire Texas Style! ·

2025/10/07

Think you’ve got your retirement plan figured out? Think again. In this episode, Steve Hoyl and Derrick Caldwell reveal the hidden traps of DIY retirement strategies, from Roth conversion tax surprises to forgotten 401(k)s and high-fee investments. Discover why transparency, active management, and a seasoned advisor can make all the difference in securing your financial future—especially in the ever-changing landscape of taxes and market risks. Don’t let a lack of education or a

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18:11

“Why Taxes Could Wreck Your Retirement—And How to...

Retire Texas Style! ·

2025/09/30

Are you ready to retire smarter, not harder? In this episode, Steve Hoyl and Derrick Caldwell reveal why the biggest expense in retirement isn’t what you think—and how “Texas style” planning can help you keep more of your money. Discover the secrets to efficient tax strategies, sustainable income, and thinking outside the box for a retirement that fits your life, not just your finances. Whether you’re five years from retirement or already there, learn how to avoid

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17:08

Are You Planning to Fail or Failing to Plan? Texas...

Retire Texas Style! ·

2025/09/23

Feeling overwhelmed by retirement planning? Discover how Steve Hoyl and Derrick Caldwell help Texans turn confusion into confidence, breaking down the steps to build a secure future. From budgeting and income gaps to maximizing old 401(k)s and understanding risk, this episode reveals practical strategies for retiring smarter—not harder—so you can enjoy life beyond “just okay.” Get Your Complimentary Retirement Analysis Social Media:Facebook | XSee omnystudio.com/listener for

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17:38

Unlocking Retirement: Why Your Plan Is More Than Just...

Retire Texas Style! ·

2025/09/16

Are you ready to rethink retirement? In this episode of Retire Texas Style Podcast, Steve Hoyl reveals how Texas-style planning blends financial savvy with heartfelt partnership, helping you navigate interest rates, annuities, and the emotional side of retirement. Discover why a written plan and trusted advice matter more than social media trends and learn how decades of experience can guide you toward a secure, fulfilling future—no matter your starting point. Get Your Complimentary Retirement

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17:44

From RMDs to College Funds: Smart Moves for Your Legacy

Retire Texas Style! ·

2025/09/09

What does Warren Buffett’s $344 billion cash stash mean for your retirement strategy? On this episode of Retire Texas Style Podcast, Steve Hoyl & Derrick Caldwell of Hoyl Financial Group unpack the risks of market exposure, the power of fixed index annuities, and how to turn required minimum distributions (RMDs) into legacy-building tools. From real client stories to tax-saving strategies, they explore how retirees can diversify smartly, support family goals, and avoid costly mistakes

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15:57

Retire at 60? Here’s What They’re Not Telling You

Retire Texas Style! ·

2025/09/02

Thinking of retiring at 60? You might want to hear this first. On this episode, Steve Hoyl and Derrick Caldwell of the Hoyl Financial Group break down the hidden costs of early retirement—from the Medicare gap to risky portfolio decisions—and why planning is everything. Learn how annuities, income strategies, and realistic budgeting can help you retire with confidence, not chaos. Whether you're dreaming of beach days or worried about medical bills, this conversation is your wake-up call

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16:04

The Texas Two-Step to Avoid Retirement Regret

Retire Texas Style! ·

2025/08/26

What do potty training and retirement planning have in common? More than you think. In this episode, Steve Hoyl and Derrick Caldwell of the Hoyl Financial Group unpack the realities of risk tolerance, procrastination, and the “Texas Two-Step” approach to building a solid retirement strategy. From sticker charts to estate plans, they explore how small, consistent steps can lead to big financial wins—and why starting early matters more than ever. Whether you're nearing retirement or

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17:23

Fix That Annuity: Retire Smarter, Texas Style

Retire Texas Style! ·

2025/08/19

What do Babe Ruth, annuities, and your retirement plan have in common? In this episode, Steve Hoyl and Derrick Caldwell of Hoyl Financial Group unpack the surprising history and modern strategies behind guaranteed income, Social Security risks, and proactive tax planning. From fixing bad annuities to gifting early and navigating new inheritance laws, they offer insights to help you retire smarter—Texas style. Whether you're nearing retirement or already there, this episode is packed with

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15:32

Annuities, Risk & Reality: The Retirement Talk You Need

Retire Texas Style! ·

2025/08/12

Think retiring at 62 is a dream come true? Think again. In this episode, Steve Hoyl and Derrick Caldwell of the Hoyl Financial Group unpack the hidden costs of early retirement—from the Medicare gap to risky portfolio decisions. They share real client stories, debunk the myth of the “magic number,” and explain why planning is everything. Whether you're eyeing annuities or just starting to think about retirement, this episode is a wake-up call to get laser-focused on your future

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15:32

Zero Is Your Hero: The Truth About Annuities

Retire Texas Style! ·

2025/08/05

Thinking of retiring at 60? You might want to think again. In this episode, Steve Hoyl and Derrek Caldwell of the Hoyl Financial Group break down the real costs of early retirement—especially the hidden healthcare gap before Medicare kicks in. They explore why chasing a “magic number” like a million dollars can backfire, and how annuities, income planning, and budgeting can help you retire with confidence. Whether you're dreaming of travel or just peace of mind, this episode is

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16:16

Timing The Annuity Market is Challenging

Retire Texas Style! ·

2025/07/22

On this episode of Retire Texas Style Podcast, Derrick delves into the recent tax changes and their implications for retirement planning, particularly focusing on social security taxes, the potential for future tax increases, and the importance of evolving retirement plans. The discussion also covers strategies for timing the annuity market and managing investment risks effectively. Get Your Complimentary Retirement Analysis Social Media:Facebook | XSee omnystudio.com/listener for privacy

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16:28

Navigating Retirement: Social Security and Beyond

Retire Texas Style! ·

2025/07/15

On this episode of Retire Texas Style Podcast, Derrick discusses retirement and delves into the complexities of Social Security, the importance of budgeting, and the strategic use of Roth IRAs for tax benefits. The discussion emphasizes the need for proactive financial planning and the potential consequences of inaction, especially as individuals approach retirement age. Get Your Complimentary Retirement Analysis Social Media: Facebook I TwitterSee omnystudio.com/listener for privacy

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17:53

Navigating Annuities for a Secure Retirement

Retire Texas Style! ·

2025/07/08

On this episode of Retire Texas Style Podcast, Steve discusses the critical aspects of retirement planning, focusing on the role of annuities, the psychology behind retirement decisions, the importance of finding lost retirement accounts, and the necessity of early planning. They emphasize the emotional factors in financial security and the need for a comprehensive retirement strategy that includes health care considerations and estate planning. Get Your Complimentary Retirement Analysis Social

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15:47

Navigating Tax Strategies for Retirement

Retire Texas Style! ·

2025/07/02

On this episode of Retire Texas Style Podcast, Steve and Derek discuss the importance of strategic planning for retirement, focusing on tax strategies, the role of annuities, and the psychological aspects of financial planning. They emphasize the need for a comprehensive plan to ensure financial security and address common concerns such as inflation, taxes, and the fear of running out of money in retirement. The discussion highlights the significance of having a written plan and the benefits of

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15:13

Beyond the 401k: Comprehensive Retirement Planning

Retire Texas Style! ·

2025/06/24

On this conversation, Steve and Derrick discuss the complexities of retirement planning, emphasizing that a 401k is just one piece of the puzzle. They explore the importance of diversification, the challenges faced by early retirees, and the need for a comprehensive financial strategy that includes considerations for healthcare costs and tax implications. The discussion highlights the significance of having a well-structured plan to ensure financial security in retirement. Get Your Complimentary

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17:59

Mastering Retirement Planning: Insights from Experts

Retire Texas Style! ·

2025/06/17

On this conversation, Steve and Derrick discuss the complexities of retirement planning, emphasizing the importance of customized strategies tailored to individual needs. They address common misconceptions, the role of financial advisors, and the significance of having a comprehensive plan that considers both financial and emotional aspects of retirement. The discussion highlights the necessity of understanding risk management and the importance of ongoing communication between clients and advisors

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221 results

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