Retire Texas Style!

Are you risking your retirement by flying blind with your investments? Join Steve Hoyl and Derek Caldwell as they reveal the hidden pitfalls of DIY retirement planning, from Roth conversion tax traps to forgotten 401(k)s. Discover why transparency, active management, and knowing your risk are essential for protecting your life savings. Whether you’re in the retirement red zone or just starting out, this episode uncovers the s...

Worried your retirement plan is built on shaky ground? Discover why “boring” investments may be your best bet, how emotional decisions can sabotage your future, and why partnering with trusted professionals matters more than chasing trends. Steve Hoyl of Hoyl Financial Group breaks down the myths, reveal the real risks, and share stories of families who found peace of mind by focusing on what truly counts: a plan tailor...

Feeling the financial squeeze in Texas? Discover how skyrocketing insurance rates, inflation, and market volatility are reshaping retirement planning for everyday families. Steve Hoyl of the Hoyl Financial Group breaks down why your 401k isn’t your whole retirement plan, how to avoid costly mistakes, and the critical importance of knowing your numbers. From real-life stories at the gas pump to strategies for building a resili...

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 sha...

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 Complimenta...

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 Me...

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—Te...

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 o...

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 ...

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 Retireme...

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&m...

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 di...

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...

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 startin...

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 n...

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, t...

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.

Get Your Complimentary Retirement Analysis

Social...

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: ...