Retire Texas Style!Retire Texas Style!
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Think You’re a 401(k) Millionaire? Not So Fast.

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Retire Texas Style!

Steve Hoyl and Derrik Caldwell have worked tirelessly to craft personalized, high-quality financial services to a diverse group of clients at all inco 
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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 planning, and turning savings into reliable monthly paychecks. Learn how small decisions today can influence how confidently you step into retirement tomorrow.

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Retire Texas Style!

For over 30 years, Steve has worked tirelessly to craft personalized, high-quality financial service 
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