Our newest episode of the Main Street Money podcast is live, and it’s a timely one.

If the recent market moves have caught your attention, you’re not alone. Over the past week we’ve seen renewed volatility in the S&P 500, sharp swings in gold and silver, and notable moves from some of the largest technology companies. In this episode, Andrew Gay, Gilbert Pies, and Zachary Green unpack what’s been happening in the markets and why it matters for everyday investors, not just Wall Street headlines.

We also take on one of the most important — and least understood — retirement risks: sequence of returns risk. It’s a concept that can sound complicated, but it has very real implications for anyone taking income from an investment portfolio. We explain how poor returns early in retirement can impact long-term income, why required withdrawals from traditional IRAs can add pressure during market downturns, and what thoughtful planning can do to help manage these risks.

At Texas Hill Country Advisors, our goal is to help people gain clarity and confidence around their income, especially in retirement. This conversation is meant to educate, spark awareness, and help you ask better questions about your own plan.

Tune in, join the conversation, and share the episode with someone who could benefit from a clearer understanding of today’s markets and retirement income planning.

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

Like, share, and subscribe

#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.

This week on the For Investors Podcast, we covered a LOT — and the markets definitely kept things interesting.

Volatility made a big return, with huge swings driven by earnings surprises, shifting interest-rate expectations, and the ever-mysterious bond market. And yes… AI had its moments too.

We also dug into why these quick market moves can feel so dramatic, even though they don’t always mean investors should change course. The real triggers for rethinking a long-term plan are the big life events — the “D’s” like death, disability, divorce, diagnosis — along with positive surprises like windfalls, births, or major transitions. Those are the moments when a financial plan deserves a fresh look.

And with Thanksgiving week approaching and the holidays on the horizon, many people naturally start reflecting on their goals, families, and the financial decisions they want to feel confident about going into the new year.

Even a simple conversation can bring clarity.Whether you're getting started, preparing for retirement, or navigating a life change, we’re here in the to help make sense of it all.Tune in, share this episode and let us know what educational investing and finance topics you would like us to cover in upcoming episodes! We cannot reply to comments or questions here, but you can drop a comment below.

We’re breaking down last week’s wild market swings➡️, gold’s big move 🪙, and why rule #1 is: don’t freak out! 😅 Stay patient, stay invested, and tune in for our Main Street perspective on the latest market happenings.
🎧 Watch & subscribe on Facebook, YouTube, and LinkedIn! #Investing #FinancialAdvisors #Kerrville #ForInvestorsPodcast #MarketUpdate

The most recent interest rate cut from the Federal Reserve has financial markets trying to figure out what is coming down the pipe next.. Tune in to hear our latest perspective for investors.texashillcountryadvisors.com