Retire Texas Style!

Find out how Steve and his team are adjusting to this "new normal" hosting ZOOM meetings with clients. Plus, Steve shares his advice for people on how can they make their money back during this current market volatility. Plus, what are some common concerns people have with their 401Ks? 

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We all just want to go back to "normal," right? Seems what we are living today is our "new normal." So what can we do to better position ourselves for when the economy goes up and (hopefully) soon fully recovers? Steve explains why his tools and strategies can help you make sure you are in the right position today and tomorrow, no matter what the market is doing. Plus, have you ever heard of the "Rule of 100?" Hear why this strategy can help you manage your risk tolerance. Plus, if you would have known the financial crisis of this health crisis was coming, what would you have done differently? 

Steve and his team are back in the office ready for meetings - using social distancing of course and using proper sanitation and cleaning processes. Steve is also available via phone and ZOOM meetings. Call today, start the conversation. You can't help what comes in the future, but you CAN help what happens to you AND your MONEY in the future. 

Contact Steve today! 

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If you're concerned about your 401(k), your money, your retirement, know that you are not alone. 

Oil prices are plummeting, the market is struggling and we are all wondering what it will take to get back to "normal." 

Steve gives his professional advice for what we can do now to be prepared for a better future, adding that added sleep insurance and protection to your money. 

Contact Steve today for a virtual meeting! 

Note: Market values may have changed when this podcast was published. 

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Craig Anderson of KWEL interview Steve about his opinion on the recent market, the financial crisis we could face, what we can do about it and HOW we can protect our money today! 

Call Steve today for a virtual appointment!  

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They’re calling it “the biggest rescue package in history.” The federal government is spending $2 trillion to help overcome the economic damage from the corona virus. I’m not questioning the need for a stimulus … but we should remember that we’re eventually going to have to repay that money, one way or another. And I’m guessing repayment will come in the form of higher taxes, somewhere down the line. What’s that going to mean for our retirement?

Most of us will be receiving a $1200 check, as part of the stimulus package approved by Congress. For those who don’t need that money right away, any recommendations for what they should do with it?

One provision of the new stimulus package waives Required Minimum Distributions for 2020.  Waiving RMDs and great news if you don’t need the money but, is there anything we can also do to reduce those RMDs in the future?

Then, its it too late if you were planning to retire in 2020?

The good news is Steve is here to help you and to be a resource during these uncertain times. You can connect with him on the phone and set up a virtual meeting! 

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There are many things in life we can't control - two of them being, the market and this crazy corona virus. So, what can you do during this time of uncertainty? Steve Hoyl, with over three decades of experience says DON'T PANIC! Find out what Steve says you SHOULD be doing during this time and how you can better position yourself for WHEN the market goes back up. 

Plus, with new terms like "social distancing" Steve is offering phone consultations and virtual meetings. You know how you FaceTime your family and friends? These virtual meetings are similar and just as simple! 

Contact Steve today - the worst thing you could do right now is nothing. Do something. Look at your accounts, see where you stand, and Steve will walk you though any decisions that need to be made to get you back on the right path. 

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Over the past few weeks we have seen major volatility in the market, what does that mean for you and your money? What does it mean when Wall Street halts the market? Steve talks about how you capitalize when market going up and when it goes down you will be protected.

If you'd like to schedule a time to talk with Steve and set up a virtual appointment, CLICK HERE !

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If we want to have a nice retirement, there are certain steps we need to take to make it happen, right?, Good news:  The “Shamrock Shake” is back!  McDonald’s offers the green, mint-flavored, milkshake for a limited time each year, right around St. Patrick’s Day.  And since it was first introduced in 1970, this is the shake’s 50th anniversary!  So, think about this:  If you’d bought ten dollars’ worth of McDonald’s food in 1970, it would cost you sixty-seven dollars to buy that same amount of food today! How’s that for inflation? Ever think about how inflation will impact your retirement? 

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 In 1970, we were paying about $118 a year, per person, in out-of-pocket health care costs.  Today, that number is more than $4500 a year!  What does that tell us about our likely health care expenses in retirement ? 

We’re all looking for ways to improve our tax situation and one of the most popular tools for that is the Roth IRA.  Unfortunately, income limits mean that not everyone is eligible to contribute to a Roth.  Steve explains why some should consider whats called a "backdoor roth."  

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Why is it so important for you to pay attention to this new Secure Act? Plus, did you know your kids retirement could depend on decisions you make today for your retirement?  Steve explains why planning for retirement is 25% numbers and 75% emotions and much more!  

Retirement Fun Facts from The Motley Fool:

• 47% have saved less than $25,000 saved for retirement.
• Millions get 90% of their retirement income from SS
• Theirs a $16,728 SS bonus most retirees completely overlook.

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