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Retire Texas Style!

Retire Texas Style!

Written by: Steve Hoyl
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About this listen

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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2026 Steve Hoyl Economics Personal Finance
Episodes
  • The Retirement Money You Didn’t Know You Had

    The Retirement Money You Didn’t Know You Had
    Jan 20 2026

    Unexpected income sources could transform your retirement—and most people never realize what they already have working for them. In this episode, Steve Hoyl & Derek Caldwell break down how to identify income gaps, maximize assets like old 401(k)s, annuities, rentals, and inheritances, and avoid costly tax mistakes. They share real client stories on reinvesting RMDs, funding grandkids’ futures, and creating flexible, evolving retirement strategies. The conversation highlights why taking control early can redefine both your lifestyle and legacy.

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    21 mins
  • Are Annuities Misunderstood… or Misused?

    Are Annuities Misunderstood… or Misused?
    Jan 13 2026

    When retirement planning feels overwhelming, the real risk might be not knowing what you don’t know. On this episode, Derrick Caldwell breaks down the truth about annuities, long‑term care costs, and the misconceptions that can derail a secure retirement. They explore how income planning, risk transfer, and customized strategies can help you navigate rising healthcare expenses and avoid burdening your family. With real stories and practical insights, this conversation helps listeners understand the decisions that shape their financial future.

    Get Your Complimentary Retirement Analysis

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    16 mins
  • How Much Do You REALLY Need to Retire?

    How Much Do You REALLY Need to Retire?
    Jan 6 2026

    What happens when your retirement dreams collide with real‑world risks? On this episode, Derrick Caldwell breaks down the hidden factors that determine whether your nest egg can truly support your lifestyle. From understanding sustainable withdrawal rates to avoiding risky overspending traps, they reveal how tools like fixed index annuities, long‑term care planning, and realistic budgeting shape a stable retirement. They also discuss the emotional and financial weight of caregiving and why preparing early matters. A straightforward, eye‑opening conversation for anyone rethinking their retirement strategy.

    Get Your Complimentary Retirement Analysis

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    See omnystudio.com/listener for privacy information.
    Show More Show Less
    19 mins
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