In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, sits down with PAX Financial Advisor Haley Wall for a heartfelt discussion on the emotional and financial challenges faced by widows.

Drawing from real-life experiences and her work as a certified Loss of Life Advocate, Haley explains how widows can regain clarity and make informed financial decisions after a loss. From navigating life insurance and estate documents to avoiding predatory scams and understanding Social Security’s widow blackout period, this episode offers practical guidance and emotional insight.

Key highlights include:

• The first financial step every widow should take - pause.
• Why widows are often targeted by scammers and opportunists.
• The importance of updating wills, beneficiaries, and medical directives.
• How the widow’s Social Security blackout period works - and how to prepare.
• The emotional weight of stewardship and honoring a spouse’s legacy.
• Available community resources, including grief counseling and support groups.

Whether you’re navigating widowhood yourself or supporting someone who is, this episode offers both compassion and direction.

For more support, visit PAXFinancialGroup.com or contact Haley directly at [email protected].

In this heartfelt episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, sits down with fellow PAX advisor David Alvarez to discuss a deeply personal and often overlooked financial planning topic - supporting families who have children or loved ones with disabilities.

David shares his own journey into financial services, shaped by his family's background and a career that began at the peak of economic uncertainty. Now a key member of the PAX team, David has developed a specialized focus on serving families navigating the complex realities of long-term disability planning.

Together, Darryl and David explore: • How David’s passion for serving families with special needs began. • The emotional and financial toll of long-term illness or disability. • Key planning tools like ABLE accounts and Special Needs Trusts. • The importance of acting on important, but not always urgent, financial tasks. • How PAX’s “Honest Conversations” methodology helps both spouses find clarity and peace of mind.

Whether it’s planning for a child with autism, preparing for future medical expenses, or simply figuring out where to start, this episode offers real-world guidance for those walking a challenging path.

If you or someone you know is navigating life with a loved one who has special needs, don’t miss this episode. And remember - you think different when you think long term.

Learn more or reach out at PAXFinancialGroup.com.

In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, sits down with Roger Stukkie - Certified Financial Planner™, Certified Kingdom Advisor®, and Financial Advisor at PAX - for a thought-provoking conversation about the intersection of faith and finances.

From biblical definitions of generosity to real-world giving strategies, this episode dives into steps you can take to be both a Christian and a steward of your financial resources. Darryl and Roger explore how aligning your money mindset with your faith can lead to deeper fulfillment, more intentional giving, and long-term impact.

Key Highlights Include: • The difference between becoming a Christian and living as one - especially when it comes to money.

• Why generosity is more about stewardship than sacrifice.

• How to overcome skepticism and give with confidence (even if you don’t fully trust the organization).

• Checks and balances in nonprofit financials and how to evaluate them.

• Two tax-efficient giving strategies every faith-driven investor should know: QCDs and donor-advised funds.

Whether you're a faith-forward investor or simply exploring how your values align with your financial life, this episode offers practical tools and spiritual insight to help guide your giving.

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

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In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, tackles one of the biggest challenges facing investors today: information overload. With news headlines, political rhetoric, and market commentary flooding our daily lives, making sound financial decisions can feel like navigating a maze.

Darryl breaks down the subtle (but critical) differences between mentors, coaches, and consultants - and explains why having a trusted guide can help you stay rational when emotions threaten to derail your long-term strategy.

Key Highlights Include: • How mentors, coaches, and consultants each play unique roles in your financial life. • The behavioral traps that can derail even the most rational investors. • A real-life case study of emotional decision-making during market turmoil. • How misinformation influences your perception of risk and opportunity. • Why your advisor should be more than just a financial “consultant”.

Whether you're feeling stuck or simply want to build a better decision-making framework, this episode offers a thoughtful and empowering perspective.

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!

Resource: https://www.justfactsdaily.com/50-examples-of-fake-news-in-2024 

In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, unpacks the complex world of bonds and why they matter to everyday investors. With market headlines swirling and interest rates shifting, Darryl breaks down what bonds really are, how they function in your portfolio, and why government debt isn’t just a political issue - it’s a personal one.

From explaining how bond auctions work to highlighting the risks of chasing returns, this episode offers a practical and reassuring look at what is often considered the “boring” side of investing - and why it deserves your attention. Key Highlights:

• Why bonds still play a vital role - even if you prefer stocks. • What bond auctions reveal about global trust in the U.S. economy. • The four principles every investor should follow when it comes to bonds. • Why professional bond management can make a major difference. • How to stay calm (and informed) in the face of economic uncertainty.

Whether you’re nearing retirement or helping a loved one navigate their investment journey, this episode provides timeless insights with a steady hand.

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

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Resources: 🌐https://www.ceicdata.com/en/indicator/greece/long-term-interest-rate

🌐 https://bipartisanpolicy.org/explainer/why-the-national-debt-matters-for-the-u-s-bond-market-and-the-economy/ 

🌐 https://www.ib.barclays/our-insights/five-forces-affecting-fixed-income-markets.html?cid=paidsearch-textads_google_google_themes_fixed-income_us_fixed-income

In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, shares a timely and personal perspective on the cost - and value - of college education. With one child already in college and another preparing to go, Darryl walks listeners through findings from SoFi’s “The Cost of Admission” report and offers four hard-hitting takeaways that every family should consider before signing on the dotted line.

From real-life debt stories to the generational impact of poor financial decisions, this episode is a candid look at what too many Americans learn the hard way: how you pay for college matters just as much as where you go.

Key Highlights:

• Why “ignorance is not an excuse” when it comes to student loan debt.
• The $365,000 medical school debt story - and what it teaches us.
• What most borrowers say they regret about college financing.
• The importance of making affordability a higher priority than reputation.
• How parents can help kids “think long term” when planning their future.

Whether you’re planning for your child’s education or revisiting your own financial journey, this episode delivers the kind of clarity that cuts through the noise.

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

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Resources:

New SoFi Report Uncovers the Biggest Challenge in Financing Higher Education: Understanding the True Cost

About Dr. Riley – College App 101

Scholarships for College: Find and Apply Online for Free | Going Merry

In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, shares a cautionary tale about the hidden costs of do-it-yourself investing. With relatable personal stories and real client experiences, Darryl explores the traps that DIY investors often fall into - missed opportunities, tax missteps, and emotionally driven decisions - and explains why having a trusted advisor can make all the difference.

Whether you're confident in your own financial abilities or know someone who insists on doing it alone, this episode offers a practical, grounded look at why experience, emotional discipline, and guidance matter when navigating your financial future.

Show highlights include:

• What happened when a client chose DIY over working with an advisor.
• Three qualities a successful DIY investor must have.
• Common (and costly) DIY mistakes Darryl has seen firsthand.
• Why advisors act more like copilots and river guides than stock-pickers.
• A powerful reminder about the role of compounding and proper strategy at any age.

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

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In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, dives into a cutting-edge topic that could reshape the future of finance: tokenization. While the conversation touches on familiar ground like Bitcoin and blockchain, the real focus is on how tokenization may democratize access to investments and redefine ownership in a digital age.

Drawing comparisons to past investment evolutions - from mutual funds to ETFs - Darryl explains why tokenization could be the next major shift, offering both new opportunities and new risks.

In this episode, you’ll learn: • What tokenization means and how it works. • How blockchain technology supports this financial evolution. • Real-world examples, including Nas and Taylor Swift royalties. • What this could mean for individual investors - and the hurdles that still exist. • Why regulation and infrastructure are key to mainstream adoption.

Darryl also shares personal stories from his early days as an ETF adopter, highlights the costs saved through innovation, and reflects on how tokenization might bridge the gap between consumers and ownership.

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

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In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, unpacks one of the most common phrases he hears from clients: “I’ll retire in five years.” But what does that really mean - and what’s holding people back from following through?

With stories drawn from real-life experience, Darryl explores how this five-year mindset can become a psychological trap, one that offers comfort without commitment. From the emotional side of financial planning to the real-life consequences of delay, this episode is a call to clarity and action.

Key highlights of the episode include:

• Why “five years from now” is often more of a coping mechanism than a plan.
• Why defining your retirement date matters, and how to actually do it.
• Small but powerful first steps that move your plan forward (like healthcare and Social Security strategy).
• Why simplifying your life may be the smartest financial move you make.

Whether you're five years out from retirement - or have been saying that for the last decade - this episode offers thoughtful insights to help you stop waiting and start planning.

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

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In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, breaks down the recent U.S. credit downgrade by Moody’s - and what it really means for the economy, the markets, and your personal finances. While headlines may spark panic, Darryl walks listeners through the facts with clarity and perspective.

From the ripple effect on mortgage rates to the role of active bond managers, Darryl explains why this downgrade, though historic, isn’t cause for alarm - and why the U.S. remains, in his words, “the cleanest shirt in a dirty load of laundry.”

Key highlights of the episode include:

• What the Moody’s downgrade means - and why it happened now.
• How it impacts stock and bond markets differently (and why the stock market already saw it coming).
• The connection between U.S. Treasury yields and rising mortgage rates.
• Why active bond management matters more in volatile conditions.
• The long-term perspective: why the U.S. is still the safest place for capital despite the headlines.

Whether you're an investor, homeowner, or business owner, this episode offers a calm, candid take on a complex topic - helping you understand what really matters behind the noise.

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

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