Gold Isn’t the Plan: The Retirement Mistake Too Many People Make

Gold is hitting record highs—but does that really mean it belongs at the center of your retirement plan? Steve Hoyl breaks down the role gold can play alongside income, tax planning, and long-term strategy, while warning against fixation on any single asset. The conversation expands into common ret…

The Retirement Wake‑Up Call You Didn’t Know You Needed

Overwhelmed by retirement planning and unsure where to start? On this episode, Steve Hoyl and Derrick Caldwell break down how small, intentional steps can transform financial chaos into clarity. From understanding income gaps and maximizing assets to evaluating taxes, old 401(k)s, and evolving reti…

The $3,000 Surprise That Could Break Your Retirement

A sudden $3,000 medical bill sets the stage for a candid look at why emergency funds can make or break your retirement strategy. Steve Hoyl breaks down the rising pressures on American savers — from unexpected healthcare costs to political market swings — and reveal how simple habits can build real…

Think You’re a 401(k) Millionaire? Not So Fast.

What if the 401(k) balance you’re celebrating isn’t really all yours? In this episode, Derrick Caldwell breaks down the hidden impact of taxes, rising Medicare costs, and why planning early can shape the retirement lifestyle you envision. He explores strategies like Roth options, HSAs, income plann…

The Retirement Money You Didn’t Know You Had

Unexpected income sources could transform your retirement—and most people never realize what they already have working for them. In this episode, Steve Hoyl & Derrick Caldwell break down how to identify income gaps, maximize assets like old 401(k)s, annuities, rentals, and inheritances, and avoid c…

Are Annuities Misunderstood… or Misused?

When retirement planning feels overwhelming, the real risk might be not knowing what you don’t know. On this episode, Derrick Caldwell breaks down the truth about annuities, long‑term care costs, and the misconceptions that can derail a secure retirement. They explore how income planning, risk tran…

How Much Do You REALLY Need to Retire?

What happens when your retirement dreams collide with real‑world risks? On this episode, Derrick Caldwell breaks down the hidden factors that determine whether your nest egg can truly support your lifestyle. From understanding sustainable withdrawal rates to avoiding risky overspending traps, they …

The Retirement Blind Spots You Never Saw Coming

Are you sure your retirement plan can withstand the realities of the future? On this episode, Steve Hoyl breaks down the overlooked decisions that shape your financial life after work. From income gaps and spending habits to risk exposure, outdated 401(k)s, taxation, and maximizing every asset, the…

Gen X Wake-Up Call: Surviving Layoffs and Market Shocks

Are you ready for the retirement red zone? Discover how sudden layoffs, market swings, and inflation are reshaping the path to financial security for Gen Xers. Steve Hoyl shares real stories and actionable insights on protecting your savings, building sustainable income, and avoiding common pitfall…

Retirement Blind Spots: Are You Missing the Big Risks?

Are you risking your retirement by flying blind with your investments? Join Steve Hoyl and Derek Caldwell as they reveal the hidden pitfalls of DIY retirement planning, from Roth conversion tax traps to forgotten 401(k)s. Discover why transparency, active management, and knowing your risk are essen…