Retire In Texas podcast

Retire In Texas

1
The Case for International Stocks in Today’s Market 17:37

منذ 4 أيام17:37

17:37

In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, explores the role of international investments in a well-balanced portfolio. While many investors focus on domestic markets, international stocks have shown significant potential - sometimes even outperforming U.S. stocks. Darryl unpacks insights from leading financial institutions, including Hartford and Fidelity, to assess whether now is the time to increase international exposure. Key highlights of the episode include: • Why international stocks are gaining traction and how they fit into a diversified portfolio. • The difference between domestic, international, and global investments - and why it matters. • How emerging markets like Brazil, Russia, India, and China compare to developed markets in Europe and Japan. • The risks of international investing, including currency fluctuations, geopolitical tensions, and different accounting standards. • Why experts suggest a shift toward higher international allocations in portfolios over the next decade. A well-structured investment strategy considers more than just past performance, it looks at evolving global trends, economic shifts, and risk management. As interest rates, inflation, and trade policies change, now may be the time to reassess your international allocation. For more insights and to connect with a PAX Financial Group advisor, visit www.PAXFinancialGroup.com. If you found this episode valuable, share it with someone who could benefit! Resources: Investing | international stock outlook | Fidelity Could Emerging-Markets Stocks Outperform US Stocks? | Morningstar Morningstar India Index…

Retire In Texas

1
Beyond the Numbers: The True Value of a Financial Advisor 17:39

منذ 11 يومًا17:39

17:39

In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, dives into the real value that financial advisors bring to the table - beyond just investment returns. Drawing insights from the latest Vanguard, Morningstar, and Michael Kitces studies, Darryl unpacks how advisors help clients navigate investment strategies, manage emotions, and create long-term financial sustainability. Key highlights of the episode include: • How financial advisors add measurable value beyond their fees, as confirmed by industry research. • The importance of collaboration between advisors and clients to maximize returns and long-term financial stability. • The dangers of chasing investment trends and why a slow, steady approach often wins the race. • Why strategic rebalancing and tax-efficient investing can lead to better financial outcomes. • How a well-structured portfolio - including core investments and satellite strategies - can balance risk and opportunity. A strong advisor-client relationship isn’t just about numbers, it’s about making informed, disciplined financial choices that align with your future goals. Whether it's avoiding costly mistakes, reducing tax burdens, or ensuring a lasting legacy, the right financial strategy can make all the difference. For more insights and to connect with a PAX Financial Group advisor, visit www.PAXFinancialGroup.com. If you found this episode valuable, share it with someone who could benefit! Resources: Putting a value on your value: Quantifying Vanguard Advisor’s Alpha dont-miss-best-days.pdf…

Retire In Texas

1
Redeeming Money: Aligning Faith and Finances 17:32

منذ 18 يومًا17:32

17:32

In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, explores the concept of Redeeming Money - how faith and finances intersect and how money can be used as a tool for greater purpose. Many people struggle with aligning their investments and financial decisions with their values, but Darryl shares insights on how faith-driven investing is growing and shaping the financial industry. Key highlights of the episode include: The shifting landscape of faith and secularization in America and what it means for financial decision-making. How biblical principles can guide investment strategies, including moral screening, impact investing, and corporate engagement. Why financial advisors and investors are taking a more intentional approach to where their money goes. The role of faith-based investing in driving positive change and advancing values-driven financial stewardship. Insights from the Redeeming Money Conference and how thousands of advisors are embracing this movement. Your money isn’t just a resource - it’s an opportunity to make a meaningful impact. Whether through avoiding harmful investments, supporting businesses that align with your beliefs, or advocating for change within companies, there are ways to integrate faith into financial decisions. For more insights and to learn how PAX Financial Group can help you align your finances with your values, visit www.PAXFinancialGroup.com . If you found this episode valuable, share it with someone who could benefit! Resource https://www.nytimes.com/2025/02/26/us/christianity-us-religious-study-pew.html…

Retire In Texas

1
Avoid the Chaos: How a Will Protects Your Family & Assets 15:21

منذ 25 يومًا15:21

15:21

In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, breaks down the critical topic of estate planning and why having a will is essential for protecting your legacy. Many people put off drafting a will, assuming they have time or that their estate isn’t complex enough to require one - but history shows that failing to plan can create unnecessary legal battles, tax burdens, and family disputes. Key highlights of the episode include: • The real-life consequences of not having a will, featuring case studies on Prince, Abraham Lincoln, Pablo Picasso, and Sonny Bono. • How probate works and why it can take years to settle an estate without a clear legal plan. • The impact of estate taxes and why high-net-worth individuals could lose up to 50% of their wealth without proper planning. • The roles of trustees, guardians, and corporate trustees in managing your estate effectively. • Practical steps to ensure your assets are distributed according to your wishes. Your will isn’t just a legal document, it’s a conversation about the future of your wealth and your family’s well-being. Don’t leave it to chance. For additional insights and to learn how PAX Financial Group can help guide your estate planning journey, visit www.PAXFinancialGroup.com . If you found this episode valuable, share it with someone who could benefit!…

Retire In Texas

1
Why Diversification Matters: Beyond the S&P 500 17:25

منذ 5 weeks17:25

17:25

In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, explores the importance of diversification and why blindly following the S&P 500 may not be the best investment strategy. While many investors believe in a simple, passive approach, history has shown that overreliance on any single asset class can be risky - especially in unpredictable market cycles. Key highlights of the episode include: • Lessons learned from the Lost Decade (2000-2010) and how a stagnant S&P 500 impacted investors. • Why the four largest companies in the world in 1989 - based in Japan - led to a 30-year bear market. • The role of alternative investments such as private equity, private debt, and infrastructure in modern portfolios. • How PAX Financial Group approaches diversification to balance risk and opportunity in today’s market. For additional insights and to learn how PAX Financial Group can guide your financial journey, visit www.PAXFinancialGroup.com . If you enjoyed this episode, share it with someone who could benefit! Resources: Amazon.com: The Allocator's Edge: A modern guide to alternative investments and the future of diversification: 9780857197931: Huber, Phil, Asness, Clifford: Books…

Retire In Texas

1
The #1 Reason Investors Underperform - And How to Fix It 16:42

منذ 6 weeks16:42

16:42

In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, uncovers the surprising ways investors sabotage their own success. Despite strong market performance, studies show that the average investor consistently underperforms - by as much as 5% per year. Why? Behavioral biases. Key highlights of the episode include: •The Dow Bar study’s shocking findings on why investors consistently earn 5% less than the market. •How overconfidence causes even successful professionals to make costly financial mistakes. •Why recency bias leads investors to chase trends and panic during downturns. •The impact of confirmation bias and how it keeps investors from seeing the full picture. •Real-world examples of billionaires, fund managers, and everyday investors who fell into these traps. For additional insights and to learn how PAX Financial Group can guide your financial journey, visit www.PAXFinancialGroup.com . If you enjoyed this episode, share it with someone who could benefit! Resources: Keys to Financial Success and how Behavioral Tendencies can Impact... Is It Safer to Travel by Car or Plane? A Comprehensive Safety Comparison for Travelers DALBAR Releases 30th Annual QAIB Report How Investors Are Costing Themselves Money 5 Behavioral Biases That Affect Investing Decisions…

Retire In Texas

1
The Power of Small-Cap Stocks: Hidden Opportunities in Your Portfolio 18:14

منذ 7 weeks18:14

18:14

In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, explores the world of small-cap stocks and their potential role in your investment portfolio. While often overlooked, these companies present unique opportunities for growth - but also come with specific risks. Darryl unpacks the fundamentals of small caps, their historical performance, and key factors influencing their future outlook. Key highlights of the episode include: • The definition of small-cap stocks and why they differ from traditional small businesses. • How small-cap companies fit into a diversified investment strategy, typically making up 5-15% of a portfolio. • The impact of interest rates on small caps and why rate cuts could create a tailwind for these stocks. • Why private equity is changing the small-cap landscape and what that means for investors. • Examples of small-cap companies that have grown into industry giants, like Monster Energy and Pilgrim’s Pride. • The pros and cons of investing in small caps, including their potential for high returns and their vulnerability to market swings. For additional insights and to learn how PAX Financial Group can guide your financial journey, visit www.PAXFinancialGroup.com . If you enjoyed this episode, share it with someone who could benefit! Resources: 10 of the Best Small-Cap Stocks to Buy Today | Morningstar (9) Have the insatiable private markets eaten the small cap effect? | LinkedIn The Cross‐Section of Expected Stock Returns - FAMA - 1992 - The Journal of Finance - Wiley Online Library StepStone PowerPoint Presentation Template_Jan 2024 The stars appear aligned for small caps The best and worst Small Growth funds…

Retire In Texas

1
2025 Financial Convictions: Preparing for the Year Ahead 23:33

منذ 8 weeks23:33

23:33

In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, breaks down his top ten convictions for 2025, exploring trends and insights shaping the financial landscape in the year ahead. From housing market optimism to artificial intelligence entering the mainstream, Darryl offers thoughtful perspectives to help you navigate opportunities and challenges in the coming year. Key highlights of the episode include: ● Why millennials and Gen Z may finally catch a break in the housing market as regulatory incentives and builder optimism reshape the landscape. ● Preparing for a potential 10% market pullback, driven by an unexpected and significant event. ● Insights on how diversification may lead to opportunities beyond the "Magnificent Seven" tech stocks. ● How the expiration of the Tax Cuts and Jobs Act (TCJA) could impact estate taxes, deductions, and planning strategies. ● How significant advancements in artificial intelligence will begin to reshape productivity and innovation across industries, with companies leveraging AI to achieve unprecedented efficiencies and create new opportunities for growth. For additional insights and to learn how PAX Financial Group can guide your financial journey, visit www.PAXFinancialGroup.com . If you enjoyed this episode, share it with someone who could benefit! Resources: Housing Market Predictions For 2025: When Will Home Prices Drop? – Forbes Advisor Trump wants to fix the housing affordability crisis: Can he? | Fox Business About - The Hotel Guide Moore's Law Texas’ Main Voucher Bill This Chart Shows How Often Stock Market Corrections Occur | Money Travel 2025: The Forecast on Pricing is Mixed - The New York Times…

Retire In Texas

1
The Art of Decisiveness: Making Better Financial Choices 17:37

منذ 9 weeks17:37

17:37

In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, dives into the art of decision-making and how honing this skill can elevate your financial and personal life. Drawing parallels between the decisiveness needed in investing and the permanence of tattoos, Darryl shares practical tips to help listeners approach life’s toughest choices with a thoughtful and deliberate mindset. Key highlights of the episode include: ● The distinction between decisiveness and impulsiveness - and how to avoid costly mistakes. ● Why setting the right mental stage (including adequate sleep and a clear mind) is crucial for sound investment decisions. ● The importance of asking better questions to uncover deeper insights for your financial strategy. ● Insights from Jim Collins’ Good to Great : quoting “Fire bullets, not cannons” for measured, thoughtful decision-making. ● The risks of overconfidence in investments, including myths about the U.S. dollar and diversification strategies. ● How to measure and manage downside risk effectively using tools like Monte Carlo analyses and structured products. For more insights and to explore how PAX Financial Group can guide you on your financial journey, visit www.PAXFinancialGroup.com . If you enjoyed this episode, share it with someone who could benefit! Resources: Mitch on the Markets The Strong Dollar's Impact on Markets and Economy in 2025 Decisive: How to Make Better Choices in Life and Work…

Retire In Texas

1
Patience Pays: Avoiding Costly Investment Mistakes 18:00

منذ 10 weeks18:00

18:00

In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, explores the nuances of investment decision-making and the importance of patience in achieving long-term financial success. Drawing on real-world examples and lessons from PAX Financial’s due diligence process, Darryl unpacks the complexities of managing portfolios and avoiding common investment pitfalls. Key highlights of the episode include: The importance of patience and why the market rewards long-term investors. Real-life examples of investment mistakes, including the infamous Zoom vs. Zoom Technologies mix-up. Insights on diversification and how outsourcing to skilled money managers can reduce risk. The critical role of due diligence in assessing underperforming assets or asset managers. Why switching "money lanes" prematurely is one of the most common and costly errors investors make. How PAX Financial Group remains loyal to clients by maintaining transparency and avoiding conflicts of interest. For more insights and to explore how PAX Financial Group can guide you on your financial journey, visit www.PAXFinancialGroup.com . If you enjoyed this episode, share it with someone who could benefit! Resources: https://www.carsongroup.com/insights/blog/the-real-message-behind-missing-the-best-market-days-chart/ www.eventide.com https://www.thewealthadvisor.com/article/stock-markets-momentum-poised-shift-2025?mkt_tok=NjY2LVBIQS05NTgAAAGX4cJOvDMCrG-KdOpyw4xXagyLXAXeKV2TRrwjkkeRiR4mkA5jC6oavlNp9NpnnLAdLFVk00VA0D2DC5YMPz7nJau5SeYkRqCiO347 https://drive.google.com/file/d/14GhhPcotO_CFqa8tTgOhgGlt3TMjjDLc/view?usp=sharing…

Retire In Texas

1
The Complexity of Global Trade and What It Means for You 15:41

منذ 11 weeks15:41

15:41

In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, tackles the growing complexity of today's world and its impact on the global economy, investment strategies, and everyday decisions. Drawing comparisons to the simplicity of the 1950s, Darryl examines how technological advancements, trade policies, and consumer behaviors have evolved and how embracing complexity can lead to better financial outcomes. Key highlights of the episode include: The importance of developing tolerance for complexity in a rapidly changing world. How tariffs, global trade, and interconnected supply chains shape economic trends. Insights into the Consumer Confidence Index and what declining numbers signal about the economy. Why diversification remains crucial in managing risk during uncertain times. Opportunities for innovation and strategic investment in a complex global market. Practical advice for overcoming fear and making sound financial decisions in a multifaceted environment. To learn more and explore how PAX Financial Group can help you navigate economic challenges, visit www.PAXFinancialGroup.com . If you found this episode helpful, share it with someone who might benefit! Resources: Opinion: Trump is right on tariffs, here’s why Americans Are Less Confident About Where The US Economy Is Headed | The WealthAdvisor…

Retire In Texas

1
2025 Market Insights: What Investors Need to Know 20:41

منذ 14 weeks20:41

20:41

In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, explores Charles Schwab's 2025 US Stock and Economic Outlook and its implications for investors in the coming year. Darryl provides a thoughtful breakdown of the report's key insights, covering everything from tariffs and trade policies to economic growth, housing affordability, and opportunities in the stock market. This episode takes a balanced look at how policy changes, economic trends, and market volatility might shape the 2025 financial landscape, helping listeners better understand what to expect in the months ahead. Whether you’re a seasoned investor or someone simply curious about where the economy may be headed, this discussion offers clarity and actionable takeaways. Key highlights of the episode include: The potential impact of tariffs, mass deportations, and trade dynamics on the US economy and inflation. Why small businesses remain optimistic despite inflationary challenges and how they drive job growth. The importance of domestic production, innovation, and unexpected market upsides. Insights into the housing market, affordability concerns, and the role of foreign labor in construction. Opportunities in stocks, small-cap companies, private credit, and international markets as we enter 2025. Practical advice for weathering market pullbacks and preparing for volatility in a shifting economic environment. To learn more and explore how PAX Financial Group can guide you through economic changes, visit www.PAXFinancialGroup.com . If you found this episode valuable, share it with someone else who might benefit! Resource: 2025 Schwab Market Outlook | Schwab Funds…

Retire In Texas

1
AI and Your Financial Future: What You Need to Know 19:35

منذ 15 weeks19:35

19:35

In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, explores the transformative world of artificial intelligence (AI) and its growing influence on both daily life and the financial industry. From understanding generative AI to exploring its practical applications and investment opportunities, Darryl breaks down this complex topic with clarity and insight. This episode takes a closer look at the current state of AI adoption, its potential to revolutionize industries, and what it means for your financial future. Whether you’re a tech-savvy early adopter or someone just beginning to explore the concept of AI, this discussion is packed with valuable takeaways for everyone. Key highlights of the episode include: The difference between artificial intelligence and generative AI, with examples of how they are shaping industries. How AI-powered tools like ChatGPT and voice simulation technology are redefining customer service and creative industries. Real-world applications of AI in financial services, including portfolio analysis, tax planning, and note-taking. The security threats posed by AI, from voice replication to data breaches, and how to protect yourself. Why AI represents the next major investment opportunity, and which industries are poised for growth in this new economy. Practical steps for exploring AI in your own life, from apps like Grammarly and Waze to experimenting with AI-powered chat tools. For more insights and to explore how PAX Financial Group can help you navigate the ever-changing financial environment, visit www.PAXFinancialGroup.com . If you enjoyed this episode, share it with someone who might find it useful! Resources: make Travis' first song in almost a decade -- a song called, "Where That Came From." Artificial intelligence - Machine Learning, Robotics, Algorithms | Britannica AI Trends 2025 | Info-Tech Research Group Why you won’t find many options if you’re looking for AI gifts How artificial intelligence helped country music icon Randy Travis get back his renowned singing voice…

Retire In Texas

1
Advisory Council Insights: Building Better Financial Solutions Together 17:28

منذ 16 weeks17:28

17:28

In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, shares the insights gathered by the firm's recent advisory council meeting. With valuable feedback from a select group of clients, Darryl uncovers important lessons about the current financial climate and how PAX Financial Group is continuing to adapt to serve its clients better. This episode explores 15 key takeaways from the advisory council that shed light on challenges, opportunities, and unique strategies for financial planning. From understanding the role of a financial advisor to creating meaningful connections with younger generations, Darryl shares practical insights that can help you rethink your financial approach. Key highlights of the episode include: The surprising number of people who still don't have a financial advisor and the importance of seeking professional guidance. Why PAX Financial Group's multiple resources, including in-house legal counsel and strategic partnerships, offer clients a comprehensive approach to solving financial challenges. The challenge of balancing personalized care with business growth while maintaining that "family feel." How financial advisors are meant to be guides - not heroes - and why your financial success is rooted in the decisions you make. A look at how PAX Financial Group is tackling the challenge of engaging with younger generations and ensuring they receive the right financial advice. The concept of core-satellite portfolio investing and why diversification remains crucial in uncertain market times. For more insights and to connect with a financial advisor who can guide you through your financial journey, visit www.PAXFinancialGroup.com . If you found this episode helpful, be sure to share it with others who may benefit from it!…

Retire In Texas

1
Simplifying Required Minimum Distributions (RMDs) for Your Retirement 17:56

منذ 17 weeks17:56

17:56

In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, breaks down the complexities of Required Minimum Distributions (RMDs). RMDs can be an intimidating topic, but Darryl simplifies the details with practical guidance, actionable strategies, and insights to help you navigate this critical aspect of retirement planning. In this episode, Darryl explores the fundamentals of RMDs, explaining their impact on your tax strategy, legacy planning, and overall financial health. Whether you're nearing the RMD age, have questions about Roth conversions, or want to reduce your lifetime tax burden, this episode provides valuable insights to optimize your retirement plan. Key highlights of the episode include: Understanding the rules, including recent changes to RMD ages, and how they affect your tax obligations. Exploring Roth IRAs, qualified charitable distributions (QCDs), and how to balance traditional and Roth accounts for long-term tax efficiency. Insights on the 10-year rule for non-spouse beneficiaries, trust considerations, and how to avoid unintended tax consequences for your heirs. Breaking down calculations, life expectancy tables, and why your December 31 balance plays a critical role. Common pitfalls like missed RMDs, understanding IRS codes, and how to ensure proper reporting. For more resources and to connect with a financial advisor who can help you plan your retirement with confidence, visit www.PAXFinancialGroup.com . If you found this episode helpful, share it with someone preparing for retirement! Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm. References: 2023 Publication 590-B…

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Retire In Texas

Retire In Texas

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