Retire In Texas

Darryl Lyons
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If you are close to retirement and your plan is to retire in Texas, this is the right money conversation for you. Here you will learn the Texas nitty-gritty of money and financial topics from a highly sought-after financial advisor, author, co-founder, and CEO of PAX Financial Group, Darryl Lyons. If your faith, family, and freedom are important to you, then you will love the Retire in Texas Podcast.

  1. 4 Brand-New Financial Opportunities You May Be Missing Out On

    2D AGO

    4 Brand-New Financial Opportunities You May Be Missing Out On

    What are the four new financial changes families and retirees should know about? Several new programs and policy updates have quietly launched that could impact children, seniors, private school families, and retirees - but most people haven't heard the details yet. Some involve compounding investment accounts for kids. Others affect IRA withdrawals after age 65. And a few provide direct education funding opportunities in Texas that families can apply for today. In this episode of Retire in Texas, Darryl Lyons breaks down four recent financial changes, including the new Trump Accounts for children, the $6,000 senior deduction for retirees, the $1,700 education tax credit, and the Texas Education Freedom Account program. He explains how compounding interest can potentially transform consistent contributions into meaningful long-term savings, why retirees must carefully manage IRA withdrawals to avoid losing deductions, and how families can apply for education-related credits and funding before application windows close. You'll learn: How the new Trump Accounts work and what happens when a child turns 18. Why the senior deduction can be lost if IRA withdrawals aren't managed properly. How the $1,700 education tax credit functions and who can use it. What the Texas Education Freedom Account provides - including funding levels for private school, homeschool, and students with disabilities. This episode isn't about politics - it's about understanding the rules and knowing how to apply them strategically within your own financial plan. If you'd like to see how these changes affect your personal situation, visit PAXFinancialGroup.com and schedule a conversation with an advisor. Benefiting from the show? We'd appreciate it if you left a review on your favorite podcast platform. Your feedback helps more families think long term and make better money decisions. Resources: https://trumpaccounts.gov/  https://www.irs.gov/publications/p554  https://educationfreedom.texas.gov  https://www.edchoice.org/2025-congress-enacts-first-ever-federal-tax-credit-for-education-scholarships/

    18 min
  2. How Seniors Are Being Targeted by AI Voice Scams

    FEB 11

    How Seniors Are Being Targeted by AI Voice Scams

    What is elder fraud and why is it increasing right now? Elder fraud is financial exploitation that targets seniors, often through impersonation, emotional manipulation, or false emergencies.  There's an $80 trillion wealth transfer underway - and scammers know it. In this episode of Retire in Texas, Darryl Lyons exposes how criminals are increasingly targeting seniors and families using sophisticated elder fraud schemes, including fake "grandchild in trouble" calls and AI-generated voice cloning. Drawing from a Department of Justice investigation, Darryl breaks down how international call centers impersonate loved ones, manipulate emotions, and move stolen cash through unsuspecting rideshare drivers. He also explains how scammers now need as little as three seconds of audio from social media to replicate a family member's voice using AI. You'll learn: How grandparent scams work from start to finish. Why seniors are being targeted during the historic wealth transfer. How AI voice cloning makes scams harder to detect. Real warning signs to listen for during urgent phone calls. Practical steps families can take to protect aging parents and grandparents. This episode isn't just about financial loss - it's about the emotional damage these scams cause to families, parents, and seniors. If you or someone you love may have been exposed to fraud, contact the FBI at 1-800-CALL-FBI (1-800-225-5324). Benefiting from the show? We'd appreciate it if you left a review on your favorite podcast platform. Your feedback helps more people find the show and continue the conversation. Resource: www.justice.gov/usao-ma/pr/thirteen-individuals-charged-operating-transnational-elder-fraud-scheme

    16 min
  3. What Is Biblical Responsible Investing? Part II

    FEB 4

    What Is Biblical Responsible Investing? Part II

    Is faith-based investing an all-or-nothing decision, or is there room for balance? In this episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, continues the two-part conversation on faith-based (biblical responsible) investing by exploring the remaining perspectives investors often hold. Building on Part 1, Darryl focuses on investors who are fully committed to biblical responsible investing - as well as those who take a more blended approach. Through real-world examples and conversations, he unpacks how deeply held convictions, market realities, and fiduciary responsibility intersect in portfolio construction. Episode highlights include: The mindset of investors who are "all in" on biblical responsible investing, and why conviction matters. Potential explanations as to why faith-based investing has underperformed the S&P 500 in recent years - and what caused the divergence. How excluding the "Magnificent Seven" impacted performance across many strategies, not just faith-based portfolios. The role of asset managers, shareholder advocacy, and proxy voting in responding to corporate behavior. Why fiduciary duty requires flexibility - especially when certain asset classes aren't yet available in faith-based strategies. How advisors help clients balance convictions with diversification, opportunity, and long-term planning. What it means to be "in the world, but not of the world" when it comes to investing. This episode completes the four-perspective framework introduced in Part 1 and offers a practical, thoughtful approach for investors navigating faith, finances, and long-term responsibility. To learn more or start a conversation, visit PAXFinancialGroup.com and click "Connect With Us." Enjoying the show? If Retire in Texas has been helpful to you, we'd appreciate it if you left a review on your favorite podcast platform. Your feedback helps more people find the show and continue the conversation. Resource: https://www.inspireetf.com/news/does-it-matter-if-i-underperform-the-s-p-500  Disclosure: This material is provided by PAX Financial Group, LLC. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. The information herein has been derived from sources believed to be accurate. Please note: Biblically Responsible Investing ("BRI") involves, among other things, screening for companies that fit within the goal of investing in companies aligned with biblical values. Such screens may serve to reduce the pool of high performing companies considered for investment. Investing involves risk. BRI investing does not guarantee a favorable investment outcome. PAX Financial Group has conducted due diligence for their Biblically Responsible Investing (BRI) process and proudly serves as each client's advocate using fully vetted third-party specialists for the administration of BRI methodology. Past performance is no guarantee of future results. Investments will fluctuate and when redeemed may be worth more or less than when originally invested. This information should not be construed as investment, tax, or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product and should not be relied upon as such.

    19 min
  4. What Is Biblical Responsible Investing? Part I

    JAN 28

    What Is Biblical Responsible Investing? Part I

    What is biblical responsible investing - and why does ownership matter? In this episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, begins a two-part conversation on faith-based (biblical responsible) investing and why it often sparks such strong reactions. Darryl breaks down what biblical responsible investing actually is, how it works within portfolios, and why it goes beyond the idea of "Christian companies." He also addresses common skepticism and explores the deeper question of whether investing is simply a financial decision - or a spiritual one. This episode focuses on two of the four common perspectives on faith-based investing: those who are new to the concept and those who remain unsure or skeptical. Episode highlights include: • What biblical responsible investing is - and what it is not. • How screening, mutual funds, ETFs, and managers are used in faith-based investing. • Why ownership and consumption are not the same - and why that distinction matters. • Real-life examples of how personal convictions shape investment decisions. • The role of shareholder advocacy and proxy voting in aligning money with values. • Why faith-based investing isn't about perfection, pressure, or judgment. In Part 2, Darryl will explore the remaining perspectives - including investors who are fully committed and those who prefer a blended approach. To learn more or start a conversation, visit PAXFinancialGroup.com and click "Connect With Us." Enjoying the show? If Retire in Texas has been helpful to you, we'd appreciate it if you left a review on your favorite podcast platform. Your feedback helps more people find the show and continue the conversation. Disclosure: This material is provided by PAX Financial Group, LLC. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. The information herein has been derived from sources believed to be accurate. Please note: Biblically Responsible Investing ("BRI") involves, among other things, screening for companies that fit within the goal of investing in companies aligned with biblical values. Such screens may serve to reduce the pool of high performing companies considered for investment. Investing involves risk. BRI investing does not guarantee a favorable investment outcome. PAX Financial Group has conducted due diligence for their Biblically Responsible Investing (BRI) process and proudly serves as each client's advocate using fully vetted third-party specialists for the administration of BRI methodology. Past performance is no guarantee of future results. Investments will fluctuate and when redeemed may be worth more or less than when originally invested. This information should not be construed as investment, tax, or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product and should not be relied upon as such.

    17 min
  5. How Do I Know If I Need A Financial Advisor?

    JAN 21

    How Do I Know If I Need A Financial Advisor?

    When should you hire a financial advisor - and when don't you need one? In this episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, breaks down the real-life situations where having a thinking partner can help you make more informed decisions. While technology gives us endless financial calculators and online tools, Darryl explains why more informed financial decisions still happen in conversation - especially during emotionally charged life events. Darryl walks through seven specific scenarios where professional financial guidance can help you avoid costly mistakes and gain clarity: Episode highlights include: Why online calculators aren't enough - and how personalized advice can help you and your spouse get aligned on your future. How poor financial decisions during divorce can cost six figures - and why strategy matters. Protecting against financial scams and providing a calm, steady voice during an emotional season. Why the skills that built your business won't help you transition out, and how to avoid post-exit regret. Addressing burnout, student loans, retirement planning, and career decisions. Building discipline during high-earning years to create long-term stability. Navigating the "sandwich generation" with thoughtful planning, family conversations, and resource coordination. If you or someone you love is going through one of these situations, Darryl shares how PAX offers specific consulting services - not just asset management - designed to help people navigate life's most complex financial moments. To learn more or start a conversation, visit PAXFinancialGroup.com and click "Connect With Us".

    18 min
  6. What Is the 2026 Market Outlook According to Wall Street?

    JAN 14

    What Is the 2026 Market Outlook According to Wall Street?

    In this week's episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, breaks down what Wall Street's biggest firms are predicting for 2026 - and what it could mean for your portfolio. After reviewing market outlooks from BlackRock, Goldman Sachs, Schwab, Pimco, and more, Darryl shares a curated summary of the trends shaping the year ahead. From stock valuations and artificial intelligence to bonds, global markets, inflation, and alternative investments, this episode cuts through the noise to highlight key points that could matter for long-term investors. Drawing from industry research and real-world context, Darryl walks through where opportunity may exist, where risks are building, and why diversification and thoughtful strategy matter more than ever in today's market environment. Key highlights of the episode include: ·       Why U.S. stocks are historically expensive - and what that means for future returns. ·       How artificial intelligence is driving massive investment and reshaping global markets. ·       What falling interest rates could mean for bonds and fixed income strategies. ·       Why international markets like Japan and Germany are gaining renewed attention. ·       How inflation, tariffs, and policy decisions may influence market stability. ·       The growing role of real assets, infrastructure, and alternative investments. If you've been wondering how to position your portfolio for 2026, this episode offers a clear framework for thinking through risk, opportunity, and long-term strategy. Whether you're concerned about market volatility, curious about AI's impact, or simply want a better understanding of what's ahead, Darryl provides perspective to help you make more informed decisions. For more insights and to connect with a PAX Financial Group advisor, visit www.PAXFinancialGroup.com. If you found this episode helpful, consider sharing it with someone who's thinking about their financial strategy for the year ahead. Resources:  www.blackrock.com/corporate/literature/whitepaper/bii-global-outlook-2026.pdf www.pimco.com/us/en/insights/charting-the-year-ahead-investment-ideas-for-2026 https://www.schwab.com/learn/story/stock-market-outlook https://am.gs.com/en-us/advisors/insights/article/investment-outlook www.capitalgroup.com/advisor/pdf/shareholder/MFCPBR-099-1046320.pdf

    20 min
  7. Why Do Most New Year's Resolutions Fail?

    JAN 7

    Why Do Most New Year's Resolutions Fail?

    In this week's episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, takes a deeper look at why so many goals fail - and makes the case that it's not a lack of motivation, discipline, or strategy that holds us back, but a misunderstanding of suffering. Using the backdrop of New Year's resolutions and goal-setting frameworks like SMART goals, Darryl explores why enthusiasm fades, why accountability alone often falls short, and why discomfort is an unavoidable, and necessary, part of meaningful growth. Drawing from personal stories, scripture, and real-world observations, this episode reframes suffering not as failure, but as a process that builds perseverance, character, and long-term hope. Key highlights of the episode include: Why most goals fail despite strong intentions, clear plans, and accountability systems. How discomfort, delay, and inconvenience - not catastrophe, are often the true forms of suffering we avoid. Why embracing struggle can create stronger habits, deeper character, and more durable results. The importance of perspective when facing setbacks, and how understanding others' struggles can reframe our own. How community, collaboration, and shared accountability make suffering lighter and progress more sustainable. Why focusing on long-term outcomes, not short-term pain, is critical to lasting personal and financial growth. If you've ever wondered why change feels harder than it should, or why progress stalls even when you "know what to do," this episode offers a powerful mindset shift. Whether your goals involve health, finances, relationships, or personal growth, Darryl's message is a reminder that growth rarely happens without discomfort - and that endurance, built over time, is what ultimately leads to hope. For more insights and to connect with a PAX Financial Group advisor, visit www.PAXFinancialGroup.com. If this episode resonated with you, consider sharing it with someone who could use the encouragement. Resources:  www.thewealthadvisor.com/article/making-fortunes-and-letting-it-ride-13-new-year-investing-resolutions  www.youtube.com/watch?v=TKVAGxoU2AM www.ngpf.org/blog/question-of-the-day/question-of-the-day-what-percent-of-lottery-winners-eventually-go-bankrupt/

    17 min
  8. Greatest Hits Episode: The Divine Purpose of Work

    12/24/2025

    Greatest Hits Episode: The Divine Purpose of Work

    In this week's Greatest Hits edition of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, reflects on the deeper meaning of work, beyond the paycheck and the hustle, and explores how our jobs can serve as a spiritual journey. As we wrap up 2025, this episode offers a thoughtful look at the concept of the dignity of work, making the case that how we work - and how we view work - can shape not just our careers, but our character and communities. Darryl shares personal stories, scriptural insights, and life lessons that challenge the cultural narrative of busyness and control. Key highlights of the episode include: • Why work isn't just about making money, and how giving can transform your perspective. • The power of workplace connections and the unexpected moments that reveal human kindness. • How small acts of improvement and growth can make work more fulfilling. • The myth of control in our professional lives, and what it means to truly trust in the long game. • How reframing your understanding of work can lead to less anxiety and more purpose. If you've ever questioned the point of work, or found yourself weighed down by the day-to-day grind, this episode will offer a fresh and encouraging perspective. Whether you're in the thick of your career or mentoring the next generation, Darryl's message is a reminder that work, done with intention, can be one of the most meaningful parts of our lives. For more insights and to connect with a PAX Financial Group advisor, visit www.PAXFinancialGroup.com. If you found this episode encouraging, don't forget to share it with a friend!

    16 min
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About

If you are close to retirement and your plan is to retire in Texas, this is the right money conversation for you. Here you will learn the Texas nitty-gritty of money and financial topics from a highly sought-after financial advisor, author, co-founder, and CEO of PAX Financial Group, Darryl Lyons. If your faith, family, and freedom are important to you, then you will love the Retire in Texas Podcast.

Information

  • Creator
    Darryl Lyons
  • Years Active
    2021 - 2026
  • Episodes
    100
  • Rating
    Clean
  • Copyright
    © 2021-2022
  • Show Website
    Retire In Texas

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