Pivot with Darryl Lyons

In this week's episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, takes a deep dive into the complex and controversial topic of tariffs - unpacking what they are, why they exist, and how they affect not just global economies, but your personal financial plan.

Darryl explores the motivations behind America's shifting tariff strategies, from supply chain security to deficit reduction, and how political perspectives, media bias, and management styles shape the broader conversation. With clear explanations, real-world examples, and a steady focus on the "why" behind the policy decisions, this episode provides the insight you need to navigate today's volatile market with more confidence.

Key highlights of the episode include: • Four primary reasons tariffs are imposed - and what each means for your investments. • How political bias clouds the public discourse around trade and economic strategy. • The ripple effect of tariffs on companies like Tesla, Intel, and broader stock market behavior. • What history (and the Smoot-Hawley Act) teaches us about tariff backlash and economic recovery. • Why patience, perspective, and long-term thinking are essential in uncertain times.

Whether you're watching the headlines with concern or just wondering how it all ties back to your retirement plan, this episode offers grounded, big-picture thinking for today's investors.

For more insights or to connect with a PAX Financial Group advisor, visit www.PAXFinancialGroup.com.

Like what you heard? Share this episode with a friend and remember - you think different when you think long term.

In this week's episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, breaks down five common retirement outcomes - some inspiring, some sobering - and shares how intentional planning and mindset shifts can help you pivot toward a more meaningful future.

Drawing on a decades-old survey of 90-year-old women who shared what they would've done differently in life, Darryl explores how those insights can shape our retirement journey. From nightmare scenarios to dream retirements, he provides real-life examples, biblical context, and actionable advice to help you evaluate your own path.

Key highlights of the episode include:

• The "four retirements" model, plus a bonus fifth, and how to tell which one you're headed for.
• Why relationships matter just as much as money when it comes to long-term well-being.
• How to avoid becoming a financial burden to family or the system.
• What legacy planning really means - and how to start one even with modest resources.
• The surprising health benefits of feeling connected to a larger community.

Whether you're preparing for retirement or already living it, this episode offers practical and heartfelt wisdom for navigating the road ahead with clarity and purpose.

For more insights and to connect with a PAX Financial Group advisor, visit www.PAXFinancialGroup.com.

If this episode sparked some reflection, don't forget to share it with a friend!

In this week's episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, reflects on the deeper meaning of work, beyond the paycheck and the hustle, and explores how our jobs can serve as a spiritual journey.

This episode offers a thoughtful look at the concept of the dignity of work, making the case that how we work - and how we view work - can shape not just our careers, but our character and communities. Darryl shares personal stories, scriptural insights, and life lessons that challenge the cultural narrative of busyness and control.

Key highlights of the episode include:

• Why work isn't just about making money, and how giving can transform your perspective. • The power of workplace connections and the unexpected moments that reveal human kindness. • How small acts of improvement and growth can make work more fulfilling. • The myth of control in our professional lives, and what it means to truly trust in the long game. • How reframing your understanding of work can lead to less anxiety and more purpose.

If you've ever questioned the point of work, or found yourself weighed down by the day-to-day grind, this episode will offer a fresh and encouraging perspective. Whether you're in the thick of your career or mentoring the next generation, Darryl's message is a reminder that work, done with intention, can be one of the most meaningful parts of our lives.

For more insights and to connect with a PAX Financial Group advisor, visit www.PAXFinancialGroup.com.

If you found this episode encouraging, don't forget to share it with a friend!

In this week's episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, offers a timely market update and addresses some of the most common economic questions he's hearing right now - from inflation and tariffs to taxes and the debt ceiling.

This episode is tied closely to current events, giving listeners a snapshot of what's driving market movements and how to make sense of the headlines. Darryl breaks down complex topics in a digestible way, sharing real-life examples and practical steps to stay focused during economic uncertainty.

Key highlights of the episode include:

• Why the recent market correction isn't cause for panic - and what history teaches us about rebounds. • The role of tariff policy in market volatility and why uncertainty is more damaging than the policies themselves. • A deeper look at inflation, the Federal Reserve's strategy, and what it means for your wallet. • What to know about the upcoming expiration of the 2017 tax bill and how potential extensions could impact planning. • The significance of the debt ceiling debate - and why the U.S. Treasury market is still holding strong. • Why emotional investing can be dangerous and how staying diversified may be your best defense.

This episode is your go-to update on the state of the market, delivered in a way that's easy to understand and act on. If you're feeling uncertain about what's next, Darryl offers calm, thoughtful insights to help you navigate what's happening now - and keep an eye on the long term.

For more insights and to connect with a PAX Financial Group advisor, visit www.PAXFinancialGroup.com.

If you found this episode helpful, don't forget to share it with a friend!

Resources:

https://www.foxnews.com/category/us/immigration

Do Government Shutdowns Affect the Stock Market?

The debt ceiling is back on the table for 2025. Here's what happens next.

https://apnews.com/article/stocks-markets-rates-tariffs-trump-669605bbde01213a2d43ea80ed8af103

https://markets.businessinsider.com/news/stocks/goldman-sachs-europe-china-markets-benefiting-us-rout-decouple-outlook-2025-3?utm_source=chatgpt.com%22%20\t%20%22_blank

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

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

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

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!

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

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