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 

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