Best Steve Hoyl Podcasts (2024)

1
Taking a Holistic Approach to Retirement Planning 18:48

6h ago18:48

18:48

The importance of diversification, the impact of market volatility, the benefits of annuities, understanding Social Security, and strategies for maximizing retirement income. Steve and Derrick emphasize the need for a holistic approach to retirement planning and highlight the expertise of the Hoyl Financial Group in providing personalized strategie…

1
Preparing for Potential Changes and Uncertainties 20:55

3d ago20:55

20:55

Episode Takeaways: Market volatility is inevitable and will occur multiple times during retirement, so it's important to have a proper retirement strategy and diversification. Being proactive in retirement planning is crucial, and waiting for things to happen and then reacting is not a good strategy. Having a customized portfolio that matches an in…

1
The Myth of the Magic Retirement Number 15:53

22d ago15:53

15:53

Many Americans plan to retire in their early 60s, but this may not be a wise decision due to financial considerations. Leaving work at 62 means having to pay for medical bills until Medicare kicks in at 65, and even then, Medicare doesn't cover everything. Retirees often overlook the Medicare gap, which can cost around $2,000 per month per person. …

1
Maximizing Tax Benefits: The Benefits of Roth Conversions 20:45

1M ago20:45

20:45

Consider doing a Roth conversion before the expiration of the Trump tax cuts to take advantage of lower tax rates now. Plan for tax-free income in retirement by strategically converting a portion of your retirement nest egg to a Roth IRA. Be proactive in preparing for potential changes to Social Security by creating a retirement plan that takes int…

1
Taking Control of Your Financial Future 17:06

1M ago17:06

17:06

Planning for retirement and taking control of your financial future is crucial, especially during uncertain times like an election season. It's important to have a proactive approach and not let external factors dictate your financial decisions. Market crashes and downturns are inevitable, so it's important to have a market downturn protection plan…

1
Managing Fees and Fund Selection in 401k Investments 19:05

2M ago19:05

19:05

The conversation discusses various topics related to retirement planning, including the impact of the Dow Jones surpassing 40,000 on 401k investments, the importance of understanding fees and fund selection in 401ks, the potential for interest rate hikes and their effects on the economy, the challenges of high interest rates and inflation on retire…

1
The Pitfalls of DIY Retirement Planning 18:44

2M ago18:44

18:44

Planning for retirement is essential for financial success and peace of mind. Many people in their 50s feel they will never be able to retire because they haven't consulted with financial professionals. Having a financial plan and working with a professional can provide a path to financial success. Procrastination and fear of the unknown often prev…

1
Retirement Planning Pitfalls: Why DIY Isn't Always the Answer 16:15

2M ago16:15

16:15

In this episode Steve and Derrick delve into the challenges of do-it-yourself (DIY) approaches to retirement planning. Inspired by their own DIY home repair stories, they draw parallels to the complexities and potential pitfalls of managing your own retirement. Discover why relying solely on Google for your retirement strategy can lead to costly mi…

1
Debunking Investment Myths 13:21

3M ago13:21

13:21

Steve and Derrick tackle the old Wall Street adage "Sell in May and Go Away." Discover why this outdated advice might not align with your investment goals today. Learn about the importance of long-term planning, the pitfalls of target date funds, and how a personalized approach to retirement planning can make all the difference. Plus, hear insights…

1
Retirement Planning Beyond Finances 15:38

3M ago15:38

15:38

Learn why it's crucial to have a diversified portfolio, the potential pitfalls of gold IRAs, and the impact of consumer confidence on investment decisions. With practical advice and heartwarming anecdotes, this episode is a must-listen for anyone looking to balance financial security with the joy of making lasting memories in retirement. Get your F…

1
Navigating Retirement Planning Amidst Political Uncertainty and Economic Volatility 18:09

3M ago18:09

18:09

In this episode, Steve and Derrick dissect the impact of the upcoming 2024 election on retirement finances, discussing market volatility, potential recessions, and the looming specter of Social Security uncertainty. From analyzing the aftermath of Tesla layoffs to dissecting the nuances of annuities and tax-saving strategies, Steve and Derrick offe…

1
Strategies to Minimize Taxes on Inherited Assets 20:46

3M ago20:46

20:46

Many Americans are retiring early, but this poses challenges such as healthcare costs and the lack of social security income. Planning for retirement is crucial to address these challenges. A 401k is only one part of the financial puzzle, and there are many other aspects to consider, such as social security, insurance, long-term care, and different…

1
The Importance of Generating Income in Retirement 16:24

4M ago16:24

16:24

The conversation focuses on retirement planning and the importance of generating income during retirement. Steve and Derrick discuss the misconception of relying solely on a specific savings number and emphasize the need for guaranteed sources of income like Social Security. They also highlight the benefits of fixed annuities and the potential risk…

1
Retire Texas Style: Building Your Financial Legacy 16:23

4M ago16:23

16:23

In this episode, Steve and Derrick delve into the importance of meticulous planning, tax strategies, and risk assessment to ensure a smooth transition into retirement. Learn how to create a sturdy income plan that lasts through retirement and discover strategies for managing financial risks effectively. From navigating Social Security to mitigating…

1
Don't Delay Your Dreams: Plan for Retirement Today! 18:26

4M ago18:26

18:26

Are you approaching retirement and feeling overwhelmed by the financial planning process? On todays episode we will discuss... The importance of acknowledging and managing your emotions when planning for retirement. How to create a realistic budget that considers future expenses, including potential assistance for your children. Why having a consis…

1
Maximizing Wealth: The Power of Deferred Tax Strategies with Shawn O'Keefe 10:56

4M ago10:56

10:56

Steve is joined with special guest Shawn O'Keefe, and they explore a crucial tax strategy for maximizing wealth. Discover how this unique approach allows sellers of highly appreciated assets to defer capital gains taxes, keeping more money working for them. Whether you're a small business owner, entrepreneur, or investor, this strategy offers a gam…

1
Mastering Retirement: Navigating Taxes & Strategic Financial Planning 8:23

4M ago8:23

8:23

Discover the importance of having a solid tax strategy in retirement, as Steve and Derrick discuss the significant impact taxes can have on your retirement income. Learn why merely having financial assets isn't enough and how a comprehensive tax plan can optimize your financial future. Delve into practical steps to develop a customized tax plan tai…

1
Overcoming Retirement Spending Fears 9:26

5M ago9:26

9:26

Learn why understanding your retirement income potential is crucial for living your best life post-retirement. Explore heartwarming stories of clients who have embraced their golden years with joy and fulfillment, debunking the myth of dwindling opportunities in retirement. Gain valuable tips on crafting a retirement plan that aligns with your goal…

1
Jeff Bezos Tax Strategy: Navigating Retirement Taxes & Inflation 7:00

5M ago7:00

7:00

Discover actionable insights to safeguard your wealth against inflationary pressures and market uncertainties, as Steve and Derrick provide expert guidance on building a comprehensive retirement income plan. From Roth conversions to diversification strategies, learn how to maximize income streams and mitigate risks in an evolving financial landscap…

1
Navigating Divorce & Retirement: Financial Insights for Life Transitions 8:58

5M ago8:58

8:58

From the impact on standard of living to the division of assets and retirement planning, Steve and Derrick provide valuable insights into the financial repercussions of divorce. They emphasize the importance of total re-planning and proper financial guidance to mitigate the challenges of starting over. Additionally, they discuss crucial factors suc…

1
Shaq's Financial Playbook: Strategies for Smart Investments 8:11

5M ago8:11

8:11

Despite his immense wealth, Shaq's journey to financial stability offers valuable lessons for everyone. Learn how Shaq leverages his trusted advisors to evaluate business offers and secure his financial future. Discover the importance of having a non-emotional approach to financial planning and how it can lead to long-term success. Steve and Derric…

1
Maximizing Social Security Benefits: Strategies for a Secure Retirement 9:26

6M ago9:26

9:26

Discover how timing plays a crucial role in Social Security elections and how making informed choices can significantly impact your retirement income. Learn from real-life examples, including one where a client preserved their benefits by understanding the implications of their decision. Don't leave your retirement to chance—tune in to this episode…

1
Babe Ruth's Annuity Legacy & Securing Retirement Income: Insights from Hoyl Financial Group 9:21

6M ago9:21

9:21

Discover how Ruth's purchase of an annuity in the 1920s provided him with financial security during the tumultuous years following the Great Depression, offering valuable lessons for today's retirement planning. In this episode, Steve and Derek discuss the evolution of annuities and the importance of choosing the right annuity to meet individual fi…

1
Tyler Perry's Retirement Plan & Unveiling Retirement Myths: A Financial Insight 9:39

6M ago9:39

9:39

Join Steve and Derrick as they discuss the fascinating retirement plans of Tyler Perry and unveil common retirement myths. From Tyler Perry's vision of a laid-back retirement to the reality of financial planning, this episode offers valuable insights into retirement preparation. Explore the importance of having a personalized retirement plan tailor…

1
Overcome Financial Mistakes with Hoyl Financial Group 7:54

6M ago7:54

7:54

In this episode, Steve and Derrick share insights on overcoming financial mistakes, handling unexpected challenges, and crafting a secure financial future. Discover how Steve and his team help clients navigate through credit card debt, auto loans, and retirement planning intricacies. Whether you're a risk-taker in the oil fields or someone cutting …

1
Trump Tax Cuts and Your Retirement Strategy 7:25

7M ago7:25

7:25

Join Steve and Derrick as they address the implications of the Trump tax cuts signed into law in 2017. With these cuts set to expire soon, Steve and Derrick discuss the potential impact on individual tax rates, standard deductions, and more. Learn how to proactively plan for changes in tax policies, ensuring your retirement remains secure. Discover…

1
Securing Your Retirement: Navigating Social Security Risks with David Duley 20:11

7M ago20:11

20:11

In this special edition, Steve is joined by David Duley, the founder of the Social Security Risk Score. Dive into the crucial discussion about the future of Social Security and how it impacts your retirement. As 2024 unfolds with uncertainties, they explore the individual decisions surrounding Social Security, potential income gaps, and strategies …

1
Decoding the Stealthy Impact of Inflation: Unraveling the Silent Killer of Your Finances 7:29

7M ago7:29

7:29

Are you feeling like you can never get ahead financially, no matter your income? You're not alone. The staggering reality is that the typical American household must spend an additional $11,434 annually just to maintain the same standard of living as of January 2021. Learn how inflation isn't just a number on the news but a silent force impacting y…

1
Rollovers Demystified: Taking Control of Your Retirement 7:16

7M ago7:16

7:16

In today's episode, Steve and Derrick break down the intricacies of 401K rollovers. With a surge in interest, as highlighted by a 150% increase in requests for advice, the hosts shed light on the expected $760 billion rollover market this year. Don't miss this empowering episode that will equip you with the knowledge to take charge of your retireme…

1
Decoding the 4% Rule: Navigating Modern Retirement Challenges 5:17

7M ago5:17

5:17

Join Steve and Derrick for this eye-opening episode as they dissect the traditional 4% rule for retirement spending. The landscape has changed, and the rule has evolved. Learn why withdrawing 4% in the first year may no longer be sufficient and why aiming for around 4.7% might be the sweet spot. The hosts delve into the risks associated with deviat…

1
Retirement Planning in a Shifting Political Landscape: Navigating the Trump Tax Code and Beyond 5:00

8M ago5:00

5:00

With the Trump tax code set to undergo changes, Steve and Derrick explore the impact on financial and retirement planning, emphasizing the need for a proactive approach. The hosts stress the urgency of taking advantage of the current historically low tax rates, offering a unique perspective on the potential challenges that could arise in the next f…

1
Mastering Your Retirement Finances: The 401(k) Management Guide 5:07

8M ago5:07

5:07

In this insightful episode of Retire Texas Style, join Steve and Derrick as they unravel the complexities of 401(k) management. The hosts address common concerns and confusion about planning for retirement, offering guidance and practical tips. Discover the key challenges post-retirement when managing your 401(k) and the need for a comprehensive in…

1
Unveiling the Millionaire Mindset: Do You Need $1 Million to Retire? 5:22

8M ago5:22

5:22

The age-old question resurfaces: Do millionaires truly feel rich? A recent survey reveals that only 8% of Americans with at least $1 million consider themselves wealthy. But here's the twist – does the concept of being rich even have a fixed number in today's dynamic financial landscape? Steve and Derrick Hoyl Financial break down this topic and mo…

1
Navigating Market Storms: Strategies for a Calm Retirement 5:51

8M ago5:51

5:51

Drawing inspiration from best-selling author Patrick Kelly, Steve and Derrick discuss the importance of planning for market storms before they hit, likening it to Noah building the ark before the downpour. The duo emphasizes the emotional impact of market swings and provides practical advice for investors of all ages. With the year-end approaching,…

1
Decoding the 2024 Tax Landscape: What New Brackets Mean for Your Paycheck and Social Security 7:26

9M ago7:26

7:26

Join Steve Hoyl and Derrick Caldwell from the Hoyl Financial Group as they unravel the intricacies of the IRS's latest tax bracket adjustments, set to roll out in 2024. While the prospect of lower tax rates sounds promising, Steve and Derek delve into a crucial aspect that often gets overlooked—how these adjustments impact the taxation of Social Se…

1
Maximizing Your Retirement: Insights from Black Rock's $8.5 Trillion Report 6:24

9M ago6:24

6:24

In this episode, we explore Black Rock's recent report, revealing insights into creating a successful retirement. With an astonishing $8.5 trillion in assets under management, Black Rock shares unconventional strategies that go beyond market risks. Join hosts Steve, Derrick, and Jess as they discuss key recommendations from Black Rock, including de…

1
David Foster & Katharine McPhee: Love, Family, and Making Music Magic 7:31

9M ago7:31

7:31

Join host Steve Hoyl for an unforgettable interview with music legend David Foster and his talented wife, singer-songwriter, and actress Katharine McPhee. With 16 Grammy Awards and a remarkable career, David Foster shares insights into his journey, while Katharine McPhee discusses her experience as a new mom. The conversation also touches on their …

1
Securing Your Retirement: The Defensive Approach You Need 5:54

9M ago5:54

5:54

Despite Wall Street's recent struggles, Steve emphasizes the need to be defensive and protect your capital. Join us as we explore the Rule of 100, guiding you on managing risk as retirement approaches. Steve shares crucial insights into a unique strategy that offers upside exposure without the downside risk, ensuring your money stays safe while sti…

1
Social Security: Protecting Your Retirement Income 7:09

10M ago7:09

7:09

You've heard the rumors, "Social Security is going broke!" There are growing fears that Social Security may face financial challenges, potentially leading to reduced benefits for retirees as early as 2033. Join our hosts, Steve and Derrick, as they discuss the implications of potential Social Security cuts and how it can impact your retirement. The…

1
Retire Texas Style: Charles Feeney's Legacy and Retirement Strategies 7:44

10M ago7:44

7:44

Join Steve and Derrick, your trusted financial advisors with offices spanning across the great state of Texas, from Midland and Odessa to Lubbock, Amarillo, Dallas-Fort Worth, and Austin, among others. In this episode, we explore the inspiring story of Charles Feeney, a billionaire philanthropist who chose to give away most of his wealth while he w…

1
Managing Your Cash Holdings: How Much is Too Much 9:45

10M ago9:45

9:45

In today's discussion, we tackle a financial concern that's on many minds—cash holdings. A recent study revealed that more than half of Americans are holding onto extra cash due to concerns about a market crash or recession. But how much is too much, and should you consider increasing your cash holdings? The team at Hoyl Financial offer valuable in…

1
Texas-Size Appetites & Tax-Savvy Retirement 9:17

10M ago9:17

9:17

Hear Steve and Derek dive into an irresistible discussion about Texas-sized appetites, Girl Scout cookies, and how food and savings strategies go hand in hand. Discover how they reminisce about local favorites like Whataburger, Taco Villa, and their love for jalapeno biscuits, and you'll quickly understand the true meaning of enjoying the best thin…

1
Secure Your Retirement: The Annuity Advantage Over Bonds 7:34

11M ago7:34

7:34

You've likely used the stock market to grow your retirement savings, but what happens after retirement? Roger Ibbotson, Emeritus finance professor at Yale University, advises that you should reduce risk during your early retirement years. Traditional bonds, once a go-to option, now face uncertainties due to fluctuating interest rates. So, what's th…

1
Meet Steve: Your Texas Retirement Guide! 7:44

11M ago7:44

7:44

Steve takes us on a journey through his remarkable career, spanning over three decades. Starting in Amarillo, Texas, Steve's financial expertise has taken him all over the Lone Star State. From Lubbock to Midland, Odessa to Dallas-Fort Worth, and now Austin, Steve has been helping Texans retire in style! But what sets Steve and the Hoyl Financial G…

1
Navigating Tax Changes: 401K Evolution & Inflation-Proof Investing 9:50

11M ago9:50

9:50

In this episode, we dive into two critical topics affecting your financial future: proposed changes to the tax status of the 401K and strategies to invest wisely in the face of inflation. First up, Steve discusses the proposed tax changes to 401Ks by the Biden administration. The idea of a flat 26% tax credit, regardless of your tax bracket, is cau…

1
Unlocking Retirement Bliss: Dreaming of Vacations and Financial Happiness 10:32

11M ago10:32

10:32

Welcome to "Retire Texas Style," the podcast where your retirement dreams come to life. In this episode, we explore how often people daydream about vacations and financial happiness, discussing the importance of planning for retirement like planning for a dream vacation. Surprisingly, a recent survey found that Americans spend over 109 hours a year…

1
Navigating the Stock Market and Maximizing Your Retirement Savings 8:46

11M ago8:46

8:46

Welcome to another episode of Retire Texas Style, the Podcast. Today we dive into the ever-mysterious world of the stock market. Join us in this engaging discussion where we unravel some common misconceptions and explore strategies to secure your financial future. Our conversation kicks off with a thought-provoking statement from economist David Ro…

1
Unlocking the Truth About Annuities: Dispelling Myths and Maximizing Benefits 8:59

12M ago8:59

8:59

In this episode of Retire Texas Style, we discuss the truth about annuities and how to avoid making a retirement mistake. We talk about the different types of annuities, how they work, and the potential benefits and drawbacks. We also discuss some of the common misconceptions about annuities and how to choose the right one for your needs. With over…

1
Protect Your Retirement Income in a Recession 10:26

12M ago10:26

10:26

In todays episode, Steve discusses the importance of protecting your retirement income in a recession. He shares strategies for generating guaranteed income, even in a down market. He also talks about the importance of working with a financial advisor who can help you create a personalized retirement income plan. If you're worried about how you'll …

1
Demystifying Annuities and Their Benefits 8:07

1y ago8:07

8:07

Steve takes a deep into the world of annuities, uncovering the misconceptions and shedding light on the potential benefits of these often misunderstood financial tools. Joined by Cheryl Moore, an annuity advocate, who breaks down the various types of annuities and their unique features. Cheryl emphasizes that the word "annuity" itself can sometimes…

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Steve Hoyl Podcasts

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