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 places they live. Learn more about Steve, Derrik and the rest of the team here. Don't miss an episode. Subscribe or follow wherever you get your favorite podcasts! For more helpful insights follow on social media: Facebook and X
Episodes
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...
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.
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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.
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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 es...
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 highligh...
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 t...
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 ...
On this conversation, Steve and Derrick discuss the critical aspects of retirement planning, focusing on the challenges posed by inflation, healthcare costs, and the importance of having a written plan. They emphasize the significance of understanding the sequence of returns and market protection strategies, as well as the various income sources retirees can rely on. The discussion highlights the need for proactive planning and reg...
In this conversation, Steve and Derrick from the Hoyl Financial Group discuss the common fears surrounding retirement planning, particularly the anxiety of running out of money and the quest for a 'magic number' in savings. They emphasize the importance of focusing on income generation rather than just accumulating a certain amount of savings. The discussion also covers the evolving perception of annuities, the significance of guar...
On this conversation, Steve and Derrick discuss the complexities of retirement planning, particularly in the context of divorce and widowhood. They emphasize the importance of proper financial planning to mitigate the impact of life changes on wealth and standard of living. The discussion also touches on the financial lessons learned from high-profile individuals like Shaquille O'Neal and the necessity of professional guidance for ...
In this conversation, financial professionals Steve and Derrick discuss the critical importance of financial planning for retirement. They emphasize the need for individuals to consult with financial advisors early in life to create a comprehensive plan that addresses not only retirement but also other financial goals. The discussion highlights the common fears and misconceptions surrounding retirement, the necessity of having a wr...
In this conversation, Steve and Derrick discusses the hidden fees associated with 401k plans and their significant impact on retirement savings. They emphasize the importance of taking control of personal finances, exploring alternatives to traditional 401k investments, and the role of annuities in providing guaranteed income. The discussion also covers the consequences of withdrawing from 401k accounts and the importance of partne...
In this conversation, Steve and Derrick discuss the intricacies of retirement planning, emphasizing the importance of personalized strategies, tax considerations, and the psychological aspects of retirement. They address common misconceptions about retirement income, the impact of economic uncertainty, and the need for a robust financial strategy to navigate potential market downturns. The discussion highlights the necessity of pla...
In this conversation, Steve and Derrick from the Hoyl Financial Group discuss the complexities of retirement planning, particularly focusing on Roth conversions, economic uncertainties, and the evolving landscape of retirement strategies. They emphasize the importance of working with knowledgeable advisors to navigate tax implications, investment strategies, and the emotional aspects of financial decision-making. The discussion hig...
This conversation delves into the critical issues surrounding retirement planning, highlighting the significant education gap in financial literacy among Americans. The hosts discuss the importance of annuities as a viable option for retirement income, addressing common misconceptions and emphasizing the need for strategic planning, especially in light of potential changes to Social Security. They stress the importance of personali...
In this conversation, Derrick from The Hoyl Financial Group discuss the evolution of retirement planning, particularly in light of the 4% rule and the changing landscape of investment strategies. They emphasize the importance of diversification, the role of annuities, and the need for personalized financial planning. The discussion also covers how to navigate market volatility, the significance of understanding investment fees, and...
This conversation delves into the complexities of retirement planning, emphasizing the emotional aspects of financial decisions, the impact of national debt on personal finances, and the importance of strategic savings and tax planning. Steve highlights common challenges faced by individuals approaching retirement and offer insights into effective financial management and planning.
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In this conversation, Steve and Derek from the Hoyl Financial Group discuss the critical aspects of retirement planning, including the impact of market corrections, tax implications, and the importance of having a comprehensive financial plan. They emphasize the need for proactive planning to ensure financial security in retirement, addressing common fears such as running out of money and the psychological aspects of managing finan...
This conversation between Steve & Derrick delves into the complexities of retirement planning, emphasizing the importance of personalized strategies tailored to individual financial situations. The hosts discuss the varying success rates of retirement plans, the impact of economic factors like inflation and market volatility, and the future of social security. They also explore the role of annuities in retirement income and the...
In this conversation, Steve and Derek discuss the importance of proactive retirement planning amidst economic uncertainties. They emphasize the need for a solid financial plan, understanding market risks, and the significance of tax strategies and annuities in securing a stable retirement income. The discussion highlights the necessity of being informed and prepared for potential economic downturns, including the possibility of a r...
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