Think retiring at 62 is a dream come true? Think again. In this episode, Steve Hoyl and Derrick Caldwell of the Hoyl Financial Group unpack the hidden costs of early retirement—from the Medicare gap to risky portfolio decisions. They share real client stories, debunk the myth of the “magic number,” and explain why planning is everything. Whether you're eyeing annuities or just starting to think about retirement, this episode is a wake-up call to get laser-focused on your future.

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Think retiring at 62 is a dream come true? Think again. In this episode, Steve Hoyl and Derrick Caldwell of the Hoyl Financial Group unpack the hidden costs of early retirement&mdash;from the Medicare gap to risky portfolio decisions. They share real client stories, debunk the myth of the &ldquo;magic number,&rdquo; and explain why planning is everything. Whether you're eyeing annuities or just starting to think about retirement, this episode is a wake-up call to get laser-focused on your future.
Get Your Complimentary Retirement Analysis
Social Media:&nbsp;<a href="https://www.facebook.com/HoylFinancialLLC">Facebook</a> | <a href="https://x.com/HoylFinanacial">X</a>

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

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 <a href="https://hoylfinancialgroup.com/podcast/">here</a>.
Don't miss an episode. Subscribe or follow wherever you get your favorite podcasts!
For more helpful insights follow on social media: <a href="https://www.facebook.com/HoylFinancialLLC">Facebook </a>and <a href="https://twitter.com/HoylFinanacial">X</a>

Retire Texas Style!

For over 30 years, Steve has 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 his community — alongside more than three decades of industry experience — that allows Steve to create retirement strategies that are as unique as his clients and the place they live.

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