Retire Texas Style!
By Steve Hoyl
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Category: Investing
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Episodes: 236
Description
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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| Episode | Date |
|---|---|
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When Uncertainty Hits, Retirement Decisions Get Real
|
Mar 17, 2026 |
|
The Retirement Myth That Keeps People Working Forever
|
Mar 10, 2026 |
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Why a Big 401(k) Can Still Go Wrong
|
Feb 24, 2026 |
|
Gold Isn’t the Plan: The Retirement Mistake Too Many People Make
|
Feb 17, 2026 |
|
The Retirement Wake‑Up Call You Didn’t Know You Needed
|
Feb 10, 2026 |
|
The $3,000 Surprise That Could Break Your Retirement
|
Feb 03, 2026 |
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Think You’re a 401(k) Millionaire? Not So Fast.
|
Jan 27, 2026 |
|
The Retirement Money You Didn’t Know You Had
|
Jan 20, 2026 |
|
Are Annuities Misunderstood… or Misused?
|
Jan 13, 2026 |
|
How Much Do You REALLY Need to Retire?
|
Jan 06, 2026 |
|
The Retirement Blind Spots You Never Saw Coming
|
Dec 31, 2025 |
|
Gen X Wake-Up Call: Surviving Layoffs and Market Shocks
|
Dec 09, 2025 |
|
Retirement Blind Spots: Are You Missing the Big Risks?
|
Nov 26, 2025 |
|
Why Boring Investments Might Save Your Future
|
Nov 18, 2025 |
|
When Your 401k Becomes a 201k: Surviving Texas’s Financial Squeeze
|
Nov 11, 2025 |
|
From Country Roads to Retirement Goals: The Billie Jo Jones Story
|
Nov 04, 2025 |
|
Retire Smarter: The Texas Style Blueprint for Financial Freedom
|
Oct 28, 2025 |
|
Are You Ready for the Real Truth About Annuities?
|
Oct 21, 2025 |
|
The Retirement Expense You’re Not Expecting
|
Oct 17, 2025 |
|
Roth Conversions: Why DIY Could Cost You Big
|
Oct 07, 2025 |
|
“Why Taxes Could Wreck Your Retirement—And How to Fight Back
|
Sep 30, 2025 |
|
Are You Planning to Fail or Failing to Plan? Texas Retirement Unlocked
|
Sep 23, 2025 |
|
Unlocking Retirement: Why Your Plan Is More Than Just Numbers
|
Sep 16, 2025 |
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From RMDs to College Funds: Smart Moves for Your Legacy
|
Sep 09, 2025 |
|
Retire at 60? Here’s What They’re Not Telling You
|
Sep 02, 2025 |
|
The Texas Two-Step to Avoid Retirement Regret
|
Aug 26, 2025 |
|
Fix That Annuity: Retire Smarter, Texas Style
|
Aug 19, 2025 |
|
Annuities, Risk & Reality: The Retirement Talk You Need
|
Aug 12, 2025 |
|
Zero Is Your Hero: The Truth About Annuities
|
Aug 05, 2025 |
|
Timing The Annuity Market is Challenging
|
Jul 22, 2025 |
|
Navigating Retirement: Social Security and Beyond
|
Jul 15, 2025 |
|
Navigating Annuities for a Secure Retirement
|
Jul 08, 2025 |
|
Navigating Tax Strategies for Retirement
|
Jul 02, 2025 |
|
Beyond the 401k: Comprehensive Retirement Planning
|
Jun 24, 2025 |
|
Mastering Retirement Planning: Insights from Experts
|
Jun 17, 2025 |
|
Navigating Retirement Challenges
|
Jun 10, 2025 |
|
Navigating Retirement Fears: Income vs. Savings
|
Jun 03, 2025 |
|
Navigating Divorce: Financial Implications and Strategies
|
May 27, 2025 |
|
The Essential Financial Plan
|
May 20, 2025 |
|
Unveiling the Hidden Costs of 401k Plans
|
May 13, 2025 |
|
Navigating the Complexities of Retirement Planning
|
May 06, 2025 |
|
Economic Uncertainty Can Impact Investment Strategies
|
Apr 29, 2025 |
|
Annuities Have Evolved
|
Apr 22, 2025 |
|
Annuities Can Provide a Reliable Income Stream
|
Apr 15, 2025 |
|
Mastering Retirement Planning
|
Apr 11, 2025 |
|
Navigating Retirement: Key Strategies for Success
|
Apr 01, 2025 |
|
Navigating Retirement: Success Rates and Strategies
|
Mar 25, 2025 |
|
Navigating Retirement Planning in Uncertain Times
|
Mar 18, 2025 |
|
Many Retirees Fear Spending, Leading to a Frugal Lifestyle
|
Mar 11, 2025 |
|
Knowledge Is Power When It Comes to Financial Planning
|
Mar 04, 2025 |
|
Key Milestones and Strategies
|
Feb 25, 2025 |
|
Divorce and Retirement: A Financial Perspective
|
Feb 18, 2025 |
|
Navigating Retirement Planning in a Changing Economy
|
Feb 11, 2025 |
|
Preparing for Tax Season and Retirement Planning
|
Feb 04, 2025 |
|
Taxes and Social Security in Retirement
|
Jan 28, 2025 |
|
Tax Planning vs. Tax Filing: What You Need to Know
|
Jan 21, 2025 |
|
Navigating Retirement in 2025
|
Jan 07, 2025 |
|
Proactive Retirement Planning
|
Nov 26, 2024 |
|
How to Create Your Own Pension
|
Nov 19, 2024 |
|
Navigating National Debt: A Call to Action
|
Nov 12, 2024 |
|
Navigating Economic Predictions for Retirement
|
Nov 05, 2024 |
|
Reaching the American Dream in Retirement
|
Oct 29, 2024 |
|
Investment Strategies for Market Volatility
|
Oct 22, 2024 |
|
Crafting a Detailed Retirement Plan
|
Oct 08, 2024 |
|
Common Retirement Mistakes to Avoid
|
Oct 01, 2024 |
|
Building a Sustainable Retirement Plan
|
Sep 24, 2024 |
|
The Necessity of Proactive Financial Planning
|
Sep 18, 2024 |
|
The Importance of Professional Guidance in Retirement Planning
|
Sep 10, 2024 |
|
The Impact of the Election on Finances
|
Sep 03, 2024 |
|
Taking a Holistic Approach to Retirement Planning
|
Aug 20, 2024 |
|
Preparing for Potential Changes and Uncertainties
|
Aug 13, 2024 |
|
The Myth of the Magic Retirement Number
|
Jul 30, 2024 |
|
Maximizing Tax Benefits: The Benefits of Roth Conversions
|
Jul 16, 2024 |
|
Taking Control of Your Financial Future
|
Jul 09, 2024 |
|
Managing Fees and Fund Selection in 401k Investments
|
Jun 25, 2024 |
|
The Pitfalls of DIY Retirement Planning
|
Jun 18, 2024 |
|
Retirement Planning Pitfalls: Why DIY Isn't Always the Answer
|
Jun 11, 2024 |
|
Debunking Investment Myths
|
Jun 04, 2024 |
|
Retirement Planning Beyond Finances
|
May 28, 2024 |
|
Navigating Retirement Planning Amidst Political Uncertainty and Economic Volatility
|
May 21, 2024 |
|
Strategies to Minimize Taxes on Inherited Assets
|
May 14, 2024 |
|
The Importance of Generating Income in Retirement
|
May 07, 2024 |
|
Retire Texas Style: Building Your Financial Legacy
|
Apr 30, 2024 |
|
Don't Delay Your Dreams: Plan for Retirement Today!
|
Apr 23, 2024 |
|
Maximizing Wealth: The Power of Deferred Tax Strategies with Shawn O'Keefe
|
Apr 16, 2024 |
|
Mastering Retirement: Navigating Taxes & Strategic Financial Planning
|
Apr 09, 2024 |
|
Overcoming Retirement Spending Fears
|
Apr 02, 2024 |
|
Jeff Bezos Tax Strategy: Navigating Retirement Taxes & Inflation
|
Mar 26, 2024 |
|
Navigating Divorce & Retirement: Financial Insights for Life Transitions
|
Mar 19, 2024 |
|
Shaq's Financial Playbook: Strategies for Smart Investments
|
Mar 12, 2024 |
|
Maximizing Social Security Benefits: Strategies for a Secure Retirement
|
Mar 05, 2024 |
|
Babe Ruth's Annuity Legacy & Securing Retirement Income: Insights from Hoyl Financial Group
|
Feb 27, 2024 |
|
Tyler Perry's Retirement Plan & Unveiling Retirement Myths: A Financial Insight
|
Feb 20, 2024 |
|
Overcome Financial Mistakes with Hoyl Financial Group
|
Feb 13, 2024 |
|
Trump Tax Cuts and Your Retirement Strategy
|
Feb 06, 2024 |
|
Securing Your Retirement: Navigating Social Security Risks with David Duley
|
Jan 30, 2024 |
|
Decoding the Stealthy Impact of Inflation: Unraveling the Silent Killer of Your Finances
|
Jan 23, 2024 |
|
Rollovers Demystified: Taking Control of Your Retirement
|
Jan 16, 2024 |
|
Decoding the 4% Rule: Navigating Modern Retirement Challenges
|
Jan 09, 2024 |
|
Retirement Planning in a Shifting Political Landscape: Navigating the Trump Tax Code and Beyond
|
Jan 02, 2024 |
|
Mastering Your Retirement Finances: The 401(k) Management Guide
|
Dec 26, 2023 |
|
Unveiling the Millionaire Mindset: Do You Need $1 Million to Retire?
|
Dec 19, 2023 |
|
Navigating Market Storms: Strategies for a Calm Retirement
|
Dec 12, 2023 |
|
Decoding the 2024 Tax Landscape: What New Brackets Mean for Your Paycheck and Social Security
|
Dec 05, 2023 |
|
Maximizing Your Retirement: Insights from Black Rock's $8.5 Trillion Report
|
Nov 28, 2023 |
|
David Foster & Katharine McPhee: Love, Family, and Making Music Magic
|
Nov 21, 2023 |
|
Securing Your Retirement: The Defensive Approach You Need
|
Nov 14, 2023 |
|
Social Security: Protecting Your Retirement Income
|
Nov 07, 2023 |
|
Retire Texas Style: Charles Feeney's Legacy and Retirement Strategies
|
Oct 31, 2023 |
|
Managing Your Cash Holdings: How Much is Too Much
|
Oct 24, 2023 |
|
Texas-Size Appetites & Tax-Savvy Retirement
|
Oct 17, 2023 |
|
Secure Your Retirement: The Annuity Advantage Over Bonds
|
Oct 10, 2023 |
|
Meet Steve: Your Texas Retirement Guide!
|
Oct 03, 2023 |
|
Navigating Tax Changes: 401K Evolution & Inflation-Proof Investing
|
Sep 26, 2023 |
|
Unlocking Retirement Bliss: Dreaming of Vacations and Financial Happiness
|
Sep 19, 2023 |
|
Navigating the Stock Market and Maximizing Your Retirement Savings
|
Sep 12, 2023 |
|
Unlocking the Truth About Annuities: Dispelling Myths and Maximizing Benefits
|
Sep 05, 2023 |
|
Protect Your Retirement Income in a Recession
|
Aug 29, 2023 |
|
Demystifying Annuities and Their Benefits
|
Aug 22, 2023 |
|
Barbie Mania & Navigating the Retirement Saving Crisis
|
Aug 14, 2023 |
|
Candace Owens: Embracing the American Dream and Empowering Families
|
Aug 07, 2023 |
|
Financial Perspectives: The Impact of Being a New Grandfather
|
Jul 31, 2023 |
|
How much STOCK should we put in a potential recession?
|
Jul 17, 2023 |
|
Protect and Grow your Income with NO RISK!
|
Jul 03, 2023 |
|
Wealth Tax Bills and Trump Tax Cuts Ending in 2026!
|
Jun 19, 2023 |
|
Americans Spend 18 Minutes a Day Doing WHAT?
|
Jun 05, 2023 |
|
Beat the market and inflation & not run out of money!
|
May 22, 2023 |
|
Grow and Protect Your money TODAY!
|
May 08, 2023 |
|
If we’re headed towards another 2008, how can you protect your money?
|
Apr 24, 2023 |
|
Having a Tax-Free Retirement with Income for Life!
|
Apr 10, 2023 |
|
Do You Need More Money to Retire?
|
Mar 27, 2023 |
|
Do Rate Hike Equal Recession?
|
Mar 13, 2023 |
|
When should you Convert Your IRA or 401K?
|
Feb 27, 2023 |
|
What Happens to Your Taxes in Retirement?
|
Feb 13, 2023 |
|
Avoiding a Big Loss Before Retirement
|
Jan 30, 2023 |
|
Having Fun and Serious Money
|
Jan 16, 2023 |
|
What is Tax Loss Harvesting?
|
Jan 02, 2023 |
|
What are the chances we could fall into recession in the next year?
|
Dec 19, 2022 |
|
Should You Replace Your Bonds?
|
Dec 05, 2022 |
|
Make Time to P-L-A-N your Retirement
|
Nov 21, 2022 |
|
Listener Q&A : Is it a good time to get out of the market?
|
Nov 07, 2022 |
|
Leaving Money on the Table & Creating Income Plan
|
Oct 24, 2022 |
|
40% of Americans do WHAT?
|
Oct 10, 2022 |
|
What Do You Want Your Money to Do in Retirement?
|
Sep 26, 2022 |
|
How to Prepare NOW for Possible Recession
|
Sep 12, 2022 |
|
50 Things Every 50 Something Should Know
|
Aug 29, 2022 |
|
What does wealth mean to you?
|
Aug 15, 2022 |
|
Are we in a recession?
|
Aug 01, 2022 |
|
VP Mike Pence on the Future of Social Security
|
Jul 18, 2022 |
|
Should you pay off your mortgage before retiring?
|
Jul 04, 2022 |
|
What's the difference between a Traditional IRA and Roth IRA?
|
Jun 20, 2022 |
|
The Right and Wrong Way to Plan for Retirement
|
Jun 06, 2022 |
|
RMDs, Taxes and Annuities!
|
May 23, 2022 |
|
How can you maintain your lifestyle in retirement?
|
May 16, 2022 |
|
Steve Chats With Bill Murray !
|
May 13, 2022 |
|
How Steve can help you create a successful retirement plan!
|
May 09, 2022 |
|
What is "shrinkflation" ?
|
May 02, 2022 |
|
Is now the time to call Steve? YES!
|
Apr 25, 2022 |
|
Does the 4% Rule Apply to Retirement Today?
|
Apr 04, 2022 |
|
Financial Advisors vs. Retirement Financial Advisors
|
Mar 25, 2022 |
|
Should you set an end date for retirement?
|
Mar 11, 2022 |
|
How Important are Taxes in Retirement?
|
Feb 25, 2022 |
|
Reaching that Comfortable Number in Retirement
|
Feb 11, 2022 |
|
Hit the Sweet Spot in Your 401k!
|
Jan 28, 2022 |
|
Congress Raising the Debt Ceiling - What's this mean for you?
|
Jan 14, 2022 |
|
Income for life and protecting your money from Uncle Sam!
|
Dec 31, 2021 |
|
Is Another Recession Coming?
|
Dec 17, 2021 |
|
Your End of Year Financial Checklist
|
Dec 10, 2021 |
|
Check In with Your Retirement Accounts & Create Lifetime Income
|
Dec 03, 2021 |
|
End of Year Planning Starts Now!
|
Nov 26, 2021 |
|
The Market and Your 401k!
|
Nov 19, 2021 |
|
Nearly 1 of every 10 American adults is now a MILLIONAIRE!
|
Nov 05, 2021 |
|
Football Defense and Your Retirement (Plus Market Volatility!)
|
Oct 22, 2021 |
|
Are some of us being forced to change our retirement plans?
|
Oct 08, 2021 |
|
Do you have a Will or an Estate Plan?
|
Sep 24, 2021 |
|
Steve's KLVT Interview 9/13/21: Prepare for Higher Taxes NOW!
|
Sep 21, 2021 |
|
How can You Keep Up with Inflation in Retirement?
|
Sep 10, 2021 |
|
Inflation and Facing the Perfect Storm
|
Aug 27, 2021 |
|
Steve's KLVT Interview Aug. 9, 2021: How do You know WHEN You can Retire?
|
Aug 17, 2021 |
|
Small Business Owners: Hear how YOU can protect your business and your assets from President Biden
|
Aug 13, 2021 |
|
Inflation & Being Prepared for Retirement Taxes
|
Jul 30, 2021 |
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Steve's KLVT Interview July 19, 2021: Being Confident and Having Successful Retirement!
|
Jul 26, 2021 |
|
President Biden: Big Tax Changes Coming Your Way - How will they impact YOU?
|
Jul 16, 2021 |
|
Having Financial Independence: Hear How Steve Can Replace Your Payment in Retirement!
|
Jul 02, 2021 |
|
The Difference Between Income and Money
|
Jun 18, 2021 |
|
Do You Know What You Pay for Your 401k?
|
Jun 04, 2021 |
|
Are You Being Forced to Retire Early?
|
May 28, 2021 |
|
Steve Chats with Bill Murray : What Didn't Air!
|
May 18, 2021 |
|
Paying for Healthcare in Retirement
|
May 11, 2021 |
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How Much Money Do You Need?
|
Apr 19, 2021 |
|
Investing in a Frothy Market
|
Apr 05, 2021 |
|
Investing in Bitcoin
|
Mar 16, 2021 |
|
Is the Stimulus Payment Taxable?
|
Mar 08, 2021 |
|
What Does Your Tax Future Look Like?
|
Mar 01, 2021 |
|
What Actually Happened with Gamestop Stock?
|
Feb 15, 2021 |
|
Questions to Ask Your Advisor
|
Feb 08, 2021 |
|
Happy 2021!
|
Jan 18, 2021 |
|
What is a 401k Annuity?
|
Jan 14, 2021 |
|
Finding Opportunity in the Obstacle!
|
Dec 28, 2020 |
|
Retirement Then and Now
|
Dec 21, 2020 |
|
2021 Politics and YOUR Taxes!
|
Dec 14, 2020 |
|
What Will Cost You $300K in Retirement?
|
Dec 04, 2020 |
|
How Much Money Do You Waste a Month?
|
Nov 20, 2020 |
|
Be Proactive and Protect Your Money
|
Nov 13, 2020 |
|
If Biden Wins - What Does that Mean for Your Estate Plan?
|
Nov 06, 2020 |
|
Find Out Why Planning for Retirement is like a Symphony!
|
Oct 30, 2020 |
|
Do This for 30 Minutes a Day to Improve YOUR Finances!
|
Oct 23, 2020 |
|
Possible Biden Changes to Your 401k and what it means to YOU!
|
Oct 16, 2020 |
|
Can You Still Retire in 2020?
|
Oct 09, 2020 |
|
Why Steve? Why Hoyl Financial?
|
Oct 02, 2020 |
|
How Much Money Do I Need To Retire ?
|
Sep 25, 2020 |
|
32% of Americans would Sacrifice THIS to Retire Early - Would you?
|
Sep 18, 2020 |
|
How Financial Secrets Can HURT Your Retirement
|
Sep 14, 2020 |
|
Steve Can Help You NEVER Run Out of Income!
|
Sep 04, 2020 |
|
Clients are Family!
|
Aug 28, 2020 |
|
Steve Debunks Retirement Myths!
|
Aug 14, 2020 |
|
Retirement Debt and Stock Market Concerns
|
Aug 07, 2020 |
|
Don't Forget that Old 401K!
|
Jul 31, 2020 |
|
The Market is Up... but the Economy is Suffering - Why?
|
Jul 24, 2020 |
|
Why You Need a Plan & Sometimes You Have to Give and Take!
|
Jul 10, 2020 |
|
Are We Headed into Another Bull Market or a Recession?
|
Jul 03, 2020 |
|
Is it OK to Withdrawal from Your Retirement Accounts Early?
|
Jun 19, 2020 |
|
ZOOM with Steve!
|
May 29, 2020 |
|
Having a Plan and The Rule of 100
|
May 08, 2020 |
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KCRS Interview: Steve calls into the Morning Show - Why you NEED a PLAN
|
Apr 24, 2020 |
|
KWEL Interview: Steve Weighs in on the Pandemic - What you NEED to know NOW!
|
Apr 20, 2020 |
|
The Stimulus Package and RMD Updates!
|
Apr 06, 2020 |
|
The Positive Side of Recent Market Volatility
|
Mar 30, 2020 |
|
With The Recent Market Volatility, Should We Panic?
|
Mar 19, 2020 |
|
Protect Your Wealth From Inflation!
|
Mar 16, 2020 |
|
Healthcare Expenses and Backdoor Roth
|
Mar 09, 2020 |
|
How The Secure Act Affects You and Your Kids Retirement!
|
Feb 07, 2020 |
|
Important Lessons From Grandma and The Hoyl Difference
|
Jan 22, 2020 |
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Lessons From My Cat and Working as a Team
|
Jan 22, 2020 |
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How the New Security Act will Impact You
|
Jan 21, 2020 |
|
Building Relationships and The Cost of Healthcare
|
Jan 21, 2020 |