Hear Steve and Derek dive into an irresistible discussion about Texas-sized appetites, Girl Scout cookies, and how food and savings strategies go hand in hand. Discover how they reminisce about local favorites like Whataburger, Taco Villa, and their love for jalapeno biscuits, and you'll quickly understand the true meaning of enjoying the best things in life.

But it's not all foodie talk. Steve and Derrick pivot to a more serious topic: taxes. They highlight the importance of tax planning in retirement, especially in light of possible future tax increases. Did you know taxes are on sale through 2026? Steve explains how the Trump tax package has influenced effective tax rates and why it's crucial to have a tax-efficient retirement plan.

The conversation takes a practical turn as they discuss tax-advantaged strategies like contributing to IRAs, beyond maxing out your 401(k). Discover how you can enhance your retirement and financial security by exploring different options to optimize your tax situation.

If you're concerned about how higher taxes might impact your retirement income and looking for ways to be proactive about managing your taxes effectively, this episode is packed with insights and advice to get you started. And if you're looking for a financial advisor who truly understands the importance of tax planning, you're in the right place!



PROTECT YOUR RETIREMENT SAVINGS: CLICK HERE TO BOOK YOUR MEETING TODAY! 





  Listen to the “Retire Texas Style” podcast anytime on  Apple or  Spotify !

 💬 Engage, Share, and Learn even more with Steve and his team at Hoyl Financial! 

Facebook

YouTube

Hear Steve and Derek dive into an irresistible discussion about Texas-sized appetites, Girl Scout cookies, and how food and savings strategies go hand in hand. Discover how they reminisce about local favorites like Whataburger, Taco Villa, and their love for jalapeno biscuits, and you'll quickly understand the true meaning of enjoying the best things in life. But it's not all foodie talk. Steve and Derrick pivot to a more serious topic: taxes. They highlight the importance of tax planning in retirement, especially in light of possible future tax increases. Did you know taxes are on sale through 2026? Steve explains how the Trump tax package has influenced effective tax rates and why it's crucial to have a tax-efficient retirement plan. The conversation takes a practical turn as they discuss tax-advantaged strategies like contributing to IRAs, beyond maxing out your 401(k). Discover how you can enhance your retirement and financial security by exploring different options to optimize your tax situation. If you're concerned about how higher taxes might impact your retirement income and looking for ways to be proactive about managing your taxes effectively, this episode is packed with insights and advice to get you started. And if you're looking for a financial advisor who truly understands the importance of tax planning, you're in the right place!   <a href="https://hoylfinancialgroup.com/">PROTECT YOUR RETIREMENT SAVINGS: CLICK HERE TO BOOK YOUR MEETING TODAY! </a>      Listen to the “Retire Texas Style” podcast anytime on <a href="https://podcasts.apple.com/us/podcast/retire-texas-style/id1495882062"> Apple</a> or <a href="https://open.spotify.com/show/3O9OlOZipTuo2u3Tqs24Ku?si=b647053408bf4d60"> Spotify</a> ! 💬 Engage, Share, and Learn even more with Steve and his team at Hoyl Financial!  <a title="Facebook" href="https://www.facebook.com/HoylFinancialLLC/" target="_blank" rel="noopener">Facebook</a> <a title="YouTube" href="https://www.youtube.com/@hoylfinancialgroup8862" target="_blank" rel="noopener">YouTube</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.

Hear Steve and Derek dive into an irresistible discussion about Texas-sized appetites, Girl Scout cookies, and how food and savings strategies go hand in hand. Discover how they reminisce about local favorites like Whataburger, Taco Villa, and their...

Advertisement