Retire Texas Style!

Hosted by Steve Hoyl

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266

Latest episode

Oct 2026

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About the show

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 . Don't miss an episode. Subscribe or follow wherever you get your favorite podcasts! For more helpful insights follow on social media: Facebook and X

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60 recent

November 3, 202611 min

Steve Hoyl with The Morning Drive on NewsTalk 550 KCRS

Retirement planner Steve Hoyl joins The Morning Drive hosts Mark and Spencer to explain how a written retirement plan can address fears around dependable income, healthcare costs, market risk, inflation, and unexpected expenses. He emphasizes planning for sustainable income and purchasing power, then outlines the elements of a comprehensive strategy, from taxes and Social Security to estate planning. Get Your Complimentary Retirement Analysis Social Media: Facebook | X See omnystudio.com/listener for privacy information.

October 27, 202616 min

Is Your Retirement Income Ready to Go the Distance?

Retirement isn’t just about how much you’ve saved, but how you’ll turn those savings into income. Steve Hoyl discusses building a personalized retirement income strategy, deciding when to claim Social Security, managing different income “buckets,” and accounting for inflation. He also explores why some retirees hesitate to spend even when they have the resources, plus key questions around budgeting, healthcare costs, and creating dependable income throughout retirement. Get Your Complimentary Retirement Analysis Social Media: Facebook | X See omnystudio.com/listener for privacy information.

October 20, 202617 min

Has Your Retirement Strategy Expired?

Could an outdated retirement strategy be quietly working against the future you’ve planned? Steve Hoyl explores why retirement plans may need a fresh look as taxes, risk, and income needs evolve. He discusses Roth conversions, choosing and reviewing annuities, moving beyond traditional withdrawal rules, and building an income strategy designed around your individual situation. Plus, Steve explains why coordinating income, taxes, investments, and estate planning can become even more important as retirement unfolds. Get Your Complimentary Retirement Analysis Social Media: Facebook | X See omnystudio.com/listener for privacy information.

October 13, 202612 min

Steve Hoyl with The Morning Drive on NewsTalk 550 KCRS

Market volatility can shake your confidence, but should it shake up your retirement plan? Steve Hoyl joins The Morning Drive to discuss why understanding your risk, income needs, and time horizon becomes increasingly important as retirement approaches. He explores market corrections, inflation’s impact on purchasing power, emergency savings, tax strategies, and creating dependable retirement income. Plus, hear why having a written plan and preparing for unexpected expenses can help retirees navigate periods of economic uncertainty without letting short-term headlines drive long-term financial decisions. Get Your Complimentary Retirement Analysis Social Media: Facebook | X See omnystudio.com/listener for privacy information.

October 6, 202614 min

The Medicare Changes Retirees Can’t Afford to Ignore

Could a $700 Medicare Part D deductible or rising healthcare costs reshape your retirement plan? Steve Hoyl discusses Medicare enrollment season, changes that could affect prescription coverage, and why reviewing your Medicare supplement may be more important than ever. They also explore the impact of inflation on retirement savings, the role of emergency funds, catch-up contributions in your 50s, healthcare expenses in retirement, and strategies for creating dependable retirement income when pensions are no longer the norm. Get Your Complimentary Retirement Analysis Social Media: Facebook | X See omnystudio.com/listener for privacy information.

September 29, 202619 min

Social Security Cuts? Why Your Retirement Plan Needs More

What if the biggest retirement risk isn’t running out of money, but running out of income? Steve Hoyl discusses the growing concerns around Social Security's future, why retirement planning is about more than reaching a million-dollar savings target, and the importance of building dependable income streams. He explains how income, growth, tax, healthcare, and estate strategies work together in a written retirement plan, and why having a roadmap for unexpected events can make all the difference. The conversation also explores retirement psychology, market uncertainty, and common mistakes that can derail long-term financial confidence. Get Your Complimentary Retirement Analysis Social Media: Facebook | X See omnystudio.com/listener for privacy information.

September 22, 202615 min

AI Built My Retirement Plan... Should I Trust It?

Can AI really build your retirement plan, or is something essential missing? Steve Hoyl discusses the growing trend of using AI, social media, and online advice for financial decisions, and why personalized planning still matters. They explore retirement age expectations across generations, strategies involving Social Security timing, Roth conversions, inflation planning, and how different retirement income sources can work together. The conversation also highlights the importance of understanding taxes, evaluating annuity options, and creating a retirement strategy tailored to individual goals instead of following one-size-fits-all advice. Get Your Complimentary Retirement Analysis Social Media: Facebook | X See omnystudio.com/listener for privacy information.

September 15, 202617 min

Dolly Parton’s Legacy: What Retirees Can Learn About Lasting Wealth

What does Dolly Parton’s legacy have to do with retirement planning? Steve Hoyl explores the lessons behind generational wealth, family financial conversations, and creating income streams that last through retirement. He discusses helping loved ones without enabling them, preparing for market volatility, managing rising costs and interest rates, and why a retirement strategy should go beyond a 401(k). The conversation highlights the importance of income planning, risk management, and building a financial roadmap designed to support both retirees and future generations. Get Your Complimentary Retirement Analysis Social Media: Facebook | X See omnystudio.com/listener for privacy information.

September 8, 202617 min

The Chuck E. Cheese Lesson Every Future Retiree Should Hear

What if a simple trip to Chuck E. Cheese revealed one of the biggest retirement planning challenges people face today? Steve Hoyl discusses how rising costs, inflation, market volatility, and changing retirement realities are reshaping financial planning. From the disappearance of pensions to the importance of balancing risk, building emergency savings, and creating reliable income strategies, they compare retirement planning today with decades past. The conversation also explores why buying power matters more than account balances and why trusted guidance can be essential when preparing for retirement. Get Your Complimentary Retirement Analysis Social Media: Facebook | X See omnystudio.com/listener for privacy information.

September 1, 202615 min

What Would Dolly Do? Lessons on Legacy, Life, and Retirement

What if the secret to a fulfilling retirement has less to do with money and more to do with the life you build around it? This episode explores the legacy of Dolly Parton, the psychology behind spending in retirement, and why guaranteed income often feels easier to use than savings. Steve Hoyl discusses retirement income strategies, financial literacy, key milestones like age 59½, and the importance of creating a plan that balances confidence, lifestyle, and legacy. Get Your Complimentary Retirement Analysis Social Media: Facebook | X See omnystudio.com/listener for privacy information.