Retire Texas Style!

We have some breaking news, courtesy of the financial geniuses at Market Watch :  They’re reporting that … quote, “ Most people have no clue what they pay for their 401(k) .”  Hmmm, let’s see … where have we heard that before?  Oh yeah, we heard it from you … right here on this show !  You’ve been telling us for a long time that a lot of retirement savers are having their returns eaten up by fees...

Retirement is something we look forward to – if we’re prepared.  But the Census Bureau says the pandemic is forcing some 3 million older Americans to retire earlier than they’d planned. Steve discusses how if you're in this situation, how he can help you - its never to late for financial planning. Then, Steve talks about how President Biden said that no one making under $400,000 will have taxes in...

On this weeks show, you may have heard Steve interviewing Bill Murray - how cool is that ? Steve had the opportunity to meet and chat with Bill Murray and his brothers (Brian Doyle, Joel, Andy and Johnny) during their 20th " Murray Bros. Caddyshack Charity Golf Tournament " in St. Augustine, FL!  This is a small part of the interview that didn't air - enjoy!  See omnystudio.com/listener for privac...

When it comes to the different expenses you’re going to have in retirement, most of them are fairly predictable .  But there’s one that could range from a little … to a lot :  Healthcare.  You might get lucky … or you might suffer a major illness that wipes out the savings you thought would last you 20 or 30 years.  So, how can we plan for healthcare, when we really have no way of knowing how much...

Do you worry about running our of money in retirement? How much money would you need to have in your retirement account to feel comfortable? Steve shares his bucket approach and how he can help you retire STRESS FREE and never run out of money!  See omnystudio.com/listener for privacy information.

A lot of investors have been celebrating the new record highs on Wall Street.  But CNBC’s Jim Cramer is not one of them.  Cramer says the rallies are not supported by the fundamentals , a condition he describes as being a “frothy” market…what about those of us who have retirement savings in the market – do we also need to “take something off the table”?   See omnystudio.com/listener for privacy in...

Steve talks about if it's okay to invest “a small amount of money” in Bitcoin, or is it just too risky for those of us who are trying to grow our nest egg? See omnystudio.com/listener for privacy information.

It's TAX TIME!  Steve discusses what you need to know about the stimulus payment's impact to your taxes!     See omnystudio.com/listener for privacy information.

President Biden has repeatedly told us that – unless we earn more than $400,000 a year – he won’t be raising our taxes.  But we know that he’s considering an increase in the capital gains tax. So, if this happens, how do we approach our holdings in stocks?  See omnystudio.com/listener for privacy information.

We’ve seen a lot in the news lately about GameStop.  Supposedly, individual traders banded together on social media to somehow manipulate that company’s stock price.  The claim is that these traders are getting rich – and they’re doing it at the expense of hedge fund managers.  Is this a way to make some easy money – or is it a case of “ If it seems too good to be true… ?”  See omnystudio.com/list...

What questions should you ask while looking for the perfect advisor for you?  Then, a study by Capital One finds that the average age at which someone inherits money is 51, meaning the money comes just about the time the heir is trying to boost his-or-her nest egg.  So, let’s pose a hypothetical:  Suppose I’m in my 50s … I inherit maybe 50-or-100 thousand dollars … and I want to use that money to...

Happy New Year! Hear Steve explain what possible financial and tax changes could be coming our way in this new year and how he can help you protect and GROW your income.  See omnystudio.com/listener for privacy information.

BlackRock has started to offer something in certain 401(k)s that’s rather new.  The Wall Street Journal reports that five employers have signed up with the investment giant to offer annuities in their plans.  In theory, that would allow workers to receive retirement payments for the rest of their lives.  Could this savings approach turn into a trend?  How do you know if the annuity they’re offerin...

Is now the time to take everything out of the market? Whats the best approach during this market volatility with an uncertain future? Three months ago, one of the most common questions among baby boomers was “Can I afford to retire?” Now that the market has dropped, I’m guessing it’s even more common. Should the answer to that question be any different today than it was then?  In these times of so...

Looking back at our childhood, many of us would agree that our parents had a harder life than we ’ve had.  But the Money Talks News website argues that our parents had an easier retirement than we’ll probably have.  Why do you suppose that is?  Visit Steve today!  See omnystudio.com/listener for privacy information.

Fox Business cites a survey showing that a majority of Americans believe the outcome of the election is going to hurt them, financially.  And surprisingly, people from both major political parties feel that way!  Regardless of how you feel about the election results, there’s a good chance your tax rates will be going up in 2021.  But IRA expert Ed Slott tells Yahoo Finance it’s up to you to decide...

The new healthcare estimates are in:  Fidelity says a 65-year-old couple retiring this year can expect to spend about $295,000 in healthcare costs, over the rest of their lives!  That’s $10,000 more than last year.  And considering that we’ll still have all our other retirement expenses to pay, how in the world do we prepare for that? Fidelity’s annual Health Care Cost Estimate says a 65-year-old...

How much money do you waste a month? Did you know the average baby boomers spends $680+ a month on nonessentials? That’s a $1 here, $5 here and only $10 next time, well it adds up!  Did you ever think that you were wasting money or leaving money on the table? Do you REALLY need that new iPhone? Or Starbucks every day? What if you could take that extra cash and put it towards something more rewardi...

Steve discusses why its so important to be proactive with your financial plan and if your married, why both spouses need to be on the same page. Then some analyst say we are headed into a bull market while other say we're going into a recession - how do we know who to believe and how can we protect our money? Plus, what you need to know about your first meeting with Steve!  Call to schedule a FREE...

Reuters is reporting a rush on estate planning appointments, because of fears about how the rules might change if Joe Biden wins the election.  Are there steps  we could take now that would benefit us in the event that the rules do change? Steve talks about taking control of your money!  Schedule a Complimentary Consultation with Steve TODAY!  See omnystudio.com/listener for privacy information.

How many different income streams or buckets of money do you think you need? Hear how Steve says planning for retirement is like a symphony! See omnystudio.com/listener for privacy information.

The biggest fear of planning for retirement, is running out money. Make sense, right? You have received a paycheck you're working life, so where does the paycheck come when you leave the working world for retirement? That's were Steve comes in! Steve can show you how he can create income you can't outlive and give you that added peace of mind. Have you thought about what you will do in retirement?...

Democratic presidential nominee Joe Biden wants to change the way the tax code treats 401(k) contributions.  Investing strategist Matthew Sommer tells CNBC that Biden wants to convert the tax deductibility of contributions to a 26% refundable tax credit. It sounds like he's saying this would be good for low-income savers, but bad for everyone else.  Is that accurate and – if so – how would you adv...

Was 2020 your year to retire? Has the pandemic and market volatility caused you to change your mind? Is it still possible to retire in 2020?  Hear how Steve helps people just like you comb through the many income options and decisions and puts a plan together that works specifically for YOU.  Call Steve today for a Complimentary Portfolio Review ! This is a great time to see if you are on the righ...

Steve welcomes teammate Derrick to the show! Derrick talks about what makes Hoyl Financial stand out among other financial advisors, what makes Steve so special as an advisor and how they focus on creating and building a relationship as a foundation with clients. Plus, hear some great client stories ! Is Steve a fit for you? Is Hoyl Financial a fit for you? Find out!  If you have questions, concer...