This week, Andrew Gay, Gilbert Paiz, and Zachary Green break down what’s really going on in the markets—and what actually matters for long-term investors.

Here’s what we cover:

-Why the 10-year Treasury near 4.3% is surprising a lot of investors (and why Fed rate cuts don’t always mean long-term rates fall)

-What recent market volatility tells us about investor psychology—and why reacting to headlines can hurt returns

-How focusing on the short term vs. long term completely changes how market data looks

-A surprising bright spot: small-cap stocks so far this year

-Updates on inflation, Fed expectations, and what to watch next week

-Why today’s 529 plans are no longer just for college—and how recent rule changes have expanded their flexibilitySmarter, more tax-aware options for cash sitting in the bank

Big takeaway — Markets move daily, but successful investing is about discipline, perspective, and staying aligned with your long-term plan.

Listen now and let us know your thoughts

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#MainStreetMoney #InvestorPsychology #MarketVolatility #FinancialPlanning #TexasHillCountryAdvisors #LongTermInvesting #529Plans

📊 Markets, Insurance & the Big Picture | Main Street Money Podcast

2026 has gotten off to a solid start for markets—but after three straight years of 10%+ gains, many investors are asking the same question:
How long does this last, and how do I protect myself without overreacting?

On this episode of Main Street Money, we talk through:
• What’s driven markets so far this year
• Why short-term volatility doesn’t change long-term planning
• Where life insurance and annuities can (and should not) fit into a portfolio
• Why insurance products are tools—not good or bad on their own
• The importance of viewing insurance decisions as part of a holistic financial plan, not in isolation

We also break down a key issue we see often:
👉 Insurance products being presented without considering the full financial picture.

Just like you wouldn’t sit down at a restaurant and let someone tell you what to eat without seeing the menu, you shouldn’t make major financial decisions without understanding all your available options—from investments and 529 plans to insurance strategies that may or may not make sense for your situation.

🎙️ Whether you’re concerned about market risk, curious about annuities, or just trying to make more informed decisions, this episode is designed to educate—not sell.

Listen now and let us know what questions you’d like us to cover next.

📍 Texas Hill Country Advisors | Kerrville, TX
📺 Available on Facebook, YouTube & LinkedIn

We’re kicking off the year by talking about New Year resolutions, market headlines, and why so many people wait for the “perfect time” to start investing.

We dive into inflation, interest rates, and the noise surrounding the economy—and explain why starting now and staying consistent matters more than market predictions.

Markets change. The economy shifts.

But good long-term financial advice tends to stay the same.

Tune in for a practical, no-jargon conversation built for real life on Main Street.