161 episodes
Retire Texas Style! Steve Hoyl
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- Business
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.
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The Pitfalls of DIY Retirement Planning
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 proactive, and be realistic about savings and expenses.
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Retirement Planning Pitfalls: Why DIY Isn't Always the Answer
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.
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Debunking Investment Myths
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 Discover why this outdated advice might not align with your investment goals today.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.
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Retirement Planning Beyond Finances
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.
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Navigating Retirement Planning Amidst Political Uncertainty and Economic Volatility
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.
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Strategies to Minimize Taxes on Inherited Assets
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 consider different strategies to protect and grow your retirement funds.
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