Pivot with Darryl Lyons

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

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

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

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

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

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

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

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!

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

In this week's episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, takes a deep look into faith-based investing, sharing insights on how Judeo-Christian values can shape investment strategies. Darryl explores how the investment landscape has shifted over the past five years, leading to the rise of values-based investing for those seeking to align their portfolios with their beliefs.

Darryl breaks down three distinct approaches to faith-based investing, helping listeners identify where they might fit and offering practical guidance on how to incorporate biblical principles into financial planning. Whether you're looking to avoid "bad" companies, disrupt corporate behavior, or simply work with an advisor who honors your faith, this episode has something for everyone.

Key highlights of the episode include:

• Understanding the avoid and embrace philosophy, which focuses on excluding companies with practices contrary to biblical values while supporting companies that align with those principles.
• Exploring the influence and disrupt approach, which leverages shareholder voting power to advocate for positive change within companies.
• Learning about the give and support mindset, where the priority is working with a firm that aligns with Judeo-Christian values and supports strategic charitable giving, such as tithing or legacy planning.
• Addressing challenges like navigating ethical dilemmas, implementing donor-advised funds, and leveraging technology to identify company practices.
• Biblical insights into money management, drawn from over 2,000 scriptures, to help listeners align their finances with their faith.

For more resources and to connect with a financial advisor who shares your values, visit www.PAXFinancialGroup.com. If you enjoyed this episode, share it with a friend who might find it inspiring!

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:

Why I Was Skeptical of Faith-Based Investing — and What Changed My Mind - Eventide Center for Faith & Investing

Voters anchorage can protect womens privacy ballot initiative

British pro-life advocate again arrested for 'thoughtcrime' of silent prayer near abortion clinic

The Dangers of the Equality Act | The Heritage Foundation

Anti-Christian hate rising in Europe: From job firings to arson to murders - The Lion

Why I Was Skeptical of Faith-Based Investing — and What Changed My Mind - Eventide Center for Faith & Investing