When should you hire a financial advisor - and when don't you need one?

In this episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, breaks down the real-life situations where having a thinking partner can help you make more informed decisions. While technology gives us endless financial calculators and online tools, Darryl explains why more informed financial decisions still happen in conversation - especially during emotionally charged life events.

Darryl walks through seven specific scenarios where professional financial guidance can help you avoid costly mistakes and gain clarity:

Episode highlights include:

• Why online calculators aren't enough - and how personalized advice can help you and your spouse get aligned on your future.

• How poor financial decisions during divorce can cost six figures - and why strategy matters.

• Protecting against financial scams and providing a calm, steady voice during an emotional season.

• Why the skills that built your business won't help you transition out, and how to avoid post-exit regret.

• Addressing burnout, student loans, retirement planning, and career decisions.

• Building discipline during high-earning years to create long-term stability.

• Navigating the "sandwich generation" with thoughtful planning, family conversations, and resource coordination.

If you or someone you love is going through one of these situations, Darryl shares how PAX offers specific consulting services - not just asset management - designed to help people navigate life's most complex financial moments.

To learn more or start a conversation, visit PAXFinancialGroup.com and click "Connect With Us".