Best Steve Hoyl Podcasts (2025)

1
Navigating Retirement: Social Security and Beyond 16:28

6d ago16:28

16:28

On this episode of Retire Texas Style Podcast, Derrick discusses retirement and delves into the complexities of Social Security, the importance of budgeting, and the strategic use of Roth IRAs for tax benefits. The discussion emphasizes the need for proactive financial planning and the potential consequences of inaction, especially as individuals a…

1
Navigating Annuities for a Secure Retirement 17:53

13d ago17:53

17:53

On this episode of Retire Texas Style Podcast, Steve discusses the critical aspects of retirement planning, focusing on the role of annuities, the psychology behind retirement decisions, the importance of finding lost retirement accounts, and the necessity of early planning. They emphasize the emotional factors in financial security and the need fo…

1
Navigating Tax Strategies for Retirement 15:47

19d ago15:47

15:47

On this episode of Retire Texas Style Podcast, Steve and Derek discuss the importance of strategic planning for retirement, focusing on tax strategies, the role of annuities, and the psychological aspects of financial planning. They emphasize the need for a comprehensive plan to ensure financial security and address common concerns such as inflatio…

1
Beyond the 401k: Comprehensive Retirement Planning 15:13

27d ago15:13

15:13

On this conversation, Steve and Derrick discuss the complexities of retirement planning, emphasizing that a 401k is just one piece of the puzzle. They explore the importance of diversification, the challenges faced by early retirees, and the need for a comprehensive financial strategy that includes considerations for healthcare costs and tax implic…

1
Mastering Retirement Planning: Insights from Experts 17:59

1M ago17:59

17:59

On this conversation, Steve and Derrick discuss the complexities of retirement planning, emphasizing the importance of customized strategies tailored to individual needs. They address common misconceptions, the role of financial advisors, and the significance of having a comprehensive plan that considers both financial and emotional aspects of reti…

1
Navigating Retirement Challenges 20:34

1M ago20:34

20:34

On this conversation, Steve and Derrick discuss the critical aspects of retirement planning, focusing on the challenges posed by inflation, healthcare costs, and the importance of having a written plan. They emphasize the significance of understanding the sequence of returns and market protection strategies, as well as the various income sources re…

1
Navigating Retirement Fears: Income vs. Savings 17:09

2M ago17:09

17:09

In this conversation, Steve and Derrick from the Hoyl Financial Group discuss the common fears surrounding retirement planning, particularly the anxiety of running out of money and the quest for a 'magic number' in savings. They emphasize the importance of focusing on income generation rather than just accumulating a certain amount of savings. The …

1
Navigating Divorce: Financial Implications and Strategies 17:45

2M ago17:45

17:45

On this conversation, Steve and Derrick discuss the complexities of retirement planning, particularly in the context of divorce and widowhood. They emphasize the importance of proper financial planning to mitigate the impact of life changes on wealth and standard of living. The discussion also touches on the financial lessons learned from high-prof…

1
The Essential Financial Plan 19:18

2M ago19:18

19:18

In this conversation, financial professionals Steve and Derrick discuss the critical importance of financial planning for retirement. They emphasize the need for individuals to consult with financial advisors early in life to create a comprehensive plan that addresses not only retirement but also other financial goals. The discussion highlights the…

1
Unveiling the Hidden Costs of 401k Plans 22:05

2M ago22:05

22:05

In this conversation, Steve and Derrick discusses the hidden fees associated with 401k plans and their significant impact on retirement savings. They emphasize the importance of taking control of personal finances, exploring alternatives to traditional 401k investments, and the role of annuities in providing guaranteed income. The discussion also c…

1
Navigating the Complexities of Retirement Planning 18:29

3M ago18:29

18:29

In this conversation, Steve and Derrick discuss the intricacies of retirement planning, emphasizing the importance of personalized strategies, tax considerations, and the psychological aspects of retirement. They address common misconceptions about retirement income, the impact of economic uncertainty, and the need for a robust financial strategy t…

1
Economic Uncertainty Can Impact Investment Strategies 17:00

3M ago17:00

17:00

In this conversation, Steve and Derrick from the Hoyl Financial Group discuss the complexities of retirement planning, particularly focusing on Roth conversions, economic uncertainties, and the evolving landscape of retirement strategies. They emphasize the importance of working with knowledgeable advisors to navigate tax implications, investment s…

1
Annuities Have Evolved 16:37

3M ago16:37

16:37

This conversation delves into the critical issues surrounding retirement planning, highlighting the significant education gap in financial literacy among Americans. The hosts discuss the importance of annuities as a viable option for retirement income, addressing common misconceptions and emphasizing the need for strategic planning, especially in l…

1
Annuities Can Provide a Reliable Income Stream 21:20

3M ago21:20

21:20

In this conversation, Derrick from The Hoyl Financial Group discuss the evolution of retirement planning, particularly in light of the 4% rule and the changing landscape of investment strategies. They emphasize the importance of diversification, the role of annuities, and the need for personalized financial planning. The discussion also covers how …

1
Mastering Retirement Planning 17:17

3M ago17:17

17:17

This conversation delves into the complexities of retirement planning, emphasizing the emotional aspects of financial decisions, the impact of national debt on personal finances, and the importance of strategic savings and tax planning. Steve highlights common challenges faced by individuals approaching retirement and offer insights into effective …

1
Navigating Retirement: Key Strategies for Success 17:24

4M ago17:24

17:24

In this conversation, Steve and Derek from the Hoyl Financial Group discuss the critical aspects of retirement planning, including the impact of market corrections, tax implications, and the importance of having a comprehensive financial plan. They emphasize the need for proactive planning to ensure financial security in retirement, addressing comm…

1
Navigating Retirement: Success Rates and Strategies 17:35

4M ago17:35

17:35

This conversation between Steve & Derrick delves into the complexities of retirement planning, emphasizing the importance of personalized strategies tailored to individual financial situations. The hosts discuss the varying success rates of retirement plans, the impact of economic factors like inflation and market volatility, and the future of soci…

1
Navigating Retirement Planning in Uncertain Times 16:46

4M ago16:46

16:46

In this conversation, Steve and Derek discuss the importance of proactive retirement planning amidst economic uncertainties. They emphasize the need for a solid financial plan, understanding market risks, and the significance of tax strategies and annuities in securing a stable retirement income. The discussion highlights the necessity of being inf…

1
Many Retirees Fear Spending, Leading to a Frugal Lifestyle 19:36

4M ago19:36

19:36

This conversation focuses on the importance of spending wisely in retirement, overcoming the fear of financial insecurity, and understanding personal retirement goals. Steve and Derrick emphasize the role of annuities in providing a stable income stream and the need for comprehensive planning to ensure a comfortable retirement. They also highlight …

1
Knowledge Is Power When It Comes to Financial Planning 17:37

5M ago17:37

17:37

This conversation discusses the importance of retirement planning, focusing on annuities, social security, and tax strategies. They emphasize the lessons learned from historical figures like Babe Ruth regarding guaranteed income and the need for proactive financial planning to secure a stable retirement income. The discussion also highlights the ri…

1
Key Milestones and Strategies 15:58

5M ago15:58

15:58

This conversation delves into the essential milestones and strategies for effective retirement planning. The hosts discuss key ages for retirement benefits, the importance of understanding social security options, and the necessity of having a proactive financial plan. They emphasize the significance of tailoring retirement strategies to individual…

1
Divorce and Retirement: A Financial Perspective 16:16

5M ago16:16

16:16

In this conversation, Steve and Derrick discuss the significant impact of divorce on retirement planning, particularly for individuals over 65. They emphasize the need for comprehensive financial planning, especially for those who are widowed or considering divorce. The discussion also highlights the importance of having a solid income strategy for…

1
Navigating Retirement Planning in a Changing Economy 17:47

5M ago17:47

17:47

In this conversation, Steve and Derrick discuss the intricacies of retirement planning in the current economic climate, emphasizing the importance of guaranteed income and debunking common myths surrounding annuities. They highlight the need for a well-structured financial plan that accounts for market volatility and inflation, and they stress the …

1
Preparing for Tax Season and Retirement Planning 10:50

6M ago10:50

10:50

In this conversation, Steve and Derrick discuss the intricacies of retirement planning, focusing on tax efficiency, required minimum distributions (RMDs), and legacy planning. They emphasize the importance of understanding tax strategies to maximize retirement savings and minimize tax burdens, particularly in light of RMDs. The discussion also high…

1
Taxes and Social Security in Retirement 22:29

6M ago22:29

22:29

In this conversation, Steve and Derrick discuss the critical aspects of retirement planning, emphasizing the importance of having a solid plan in place, understanding tax strategies, and preparing for the future of Social Security. They highlight the emotional side of retirement planning and the necessity of communication between spouses regarding …

1
Tax Planning vs. Tax Filing: What You Need to Know 20:55

6M ago20:55

20:55

In this episode, Jessica, Derek, and Steve discuss essential aspects of retirement planning, emphasizing the importance of year-round tax planning, understanding retirement returns, and the role of financial advisors. They delve into the complexities of annuities, their benefits and drawbacks, and the critical need for long-term care planning as he…

1
Navigating Retirement in 2025 20:36

6M ago20:36

20:36

Steve and Derrick discuss the importance of proactive retirement planning as we enter 2025. They emphasize the need for individuals to take control of their financial futures, especially in light of inflation and healthcare costs. The conversation covers the significance of custom financial strategies, the psychology behind retirement decisions, an…

1
Proactive Retirement Planning 20:48

8M ago20:48

20:48

Steve and Derrick discuss the complexities of retirement planning, emphasizing the importance of financial literacy, understanding risks, and finding a balance in financial strategies. They share personal anecdotes and insights from their extensive experience in the field, highlighting the evolving landscape of retirement planning and the necessity…

1
How to Create Your Own Pension 20:41

8M ago20:41

20:41

In this conversation, Steve and Derrick from discuss the importance of creating a personal pension for retirement, especially in the absence of traditional pensions. They emphasize the need for proactive financial planning, including tax strategies and addressing common fears about retirement. The conversation also touches on the future of Social S…

1
Navigating National Debt: A Call to Action 15:27

8M ago15:27

15:27

In this conversation, Steve and Derrick discuss the pressing issues surrounding national debt, tax strategies for retirement, and the importance of personal finance management. They emphasize the need for effective retirement planning and the services they offer to help individuals navigate their financial futures. The discussion highlights the emo…

1
Navigating Economic Predictions for Retirement 21:02

9M ago21:02

21:02

Steve and Derrick discuss the importance of having a solid retirement plan amidst economic uncertainties. They emphasize the need for individuals to focus on their personal financial situations rather than external economic predictions. The discussion covers risk management, the significance of sustainable income, tax strategies, and the emotional …

1
Reaching the American Dream in Retirement 18:46

9M ago18:46

18:46

This conversation delves into the complexities of retirement planning, focusing on withdrawal strategies, the impact of inflation, and the importance of having a comprehensive financial plan. Steve and Derrick emphasize the need for diversification in assets and the significance of understanding market conditions when planning for retirement. They …

1
Investment Strategies for Market Volatility 21:08

9M ago21:08

21:08

takeaways 73% of people report anxiety due to the election. Proactive financial planning is crucial in uncertain times. Investment strategies should account for market volatility. Inflation significantly impacts retirement savings. Couples often have differing financial perspectives. Staying informed about IRA and 401k changes is essential. Diversi…

1
Crafting a Detailed Retirement Plan 18:36

10M ago18:36

18:36

In this conversation, Steve and Derrick discuss the critical aspects of retirement planning, focusing on the implications of potential tax changes, the importance of having a detailed retirement plan, and common misconceptions that individuals have about retirement income. They emphasize the need for proactive management of retirement funds, partic…

1
Common Retirement Mistakes to Avoid 21:16

10M ago21:16

21:16

The conversation focuses on the importance of comprehensive retirement planning, emphasizing the role of 401(k)s, income strategies, emotional aspects of retirement, and the need for effective tax strategies. Steve and Derrick discuss common mistakes individuals make regarding retirement, including the handling of Required Minimum Distributions (RM…

1
Building a Sustainable Retirement Plan 18:50

10M ago18:50

18:50

Steve and Derrick discuss the implications of falling interest rates on retirement planning, the importance of refinancing retirement, and the fears surrounding income security in retirement. They emphasize the need for long-term care planning and estate planning to secure one's legacy. The discussion highlights the interconnectedness of financial …

1
The Necessity of Proactive Financial Planning 17:41

10M ago17:41

17:41

Steve and Derrick emphasize the importance of creating income strategies that can withstand economic fluctuations, particularly in light of political uncertainties. The discussion also covers the significance of proactive financial planning, legacy considerations, and the need for comprehensive financial reviews to ensure clients are well-prepared …

1
The Importance of Professional Guidance in Retirement Planning 20:37

10M ago20:37

20:37

Today's conversation revolves around the rising costs of groceries, gas, and everyday expenses, and the need for a solid income strategy in retirement. The hosts discuss the importance of evaluating and adjusting income plans to keep up with inflation. They also explore the outdated 4% rule for retirement withdrawals and advocate for utilizing fixe…

1
The Impact of the Election on Finances 19:46

11M ago19:46

19:46

Steve and Derrick discuss the importance of tuning out the noise and focusing on what you can control when it comes to financial planning. They emphasize the need to have a plan in place and not let fear and uncertainty drive your decisions. They also discuss the impact of the upcoming election on finances and advise against making drastic changes …

1
Taking a Holistic Approach to Retirement Planning 18:48

11M 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

11M 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

12M 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

1y 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

1y 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

1y 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

1y 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

1y 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

1y 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

1y 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

1y 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…

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Steve Hoyl Podcasts

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