Shows
Retire In TexasHow Do Different Personality Types Handle Money? In this week's episode of Retire in Texas, Darryl Lyons explores one of the most overlooked drivers of long-term financial success: behavior. Rather than focusing on market performance or investment selection, Darryl breaks down why the way we think, communicate, and make decisions could potentially have a greater impact on outcomes than the strategies we choose. Darryl begins by reflecting on his own journey into behavioral finance and how studying the intersection of psychology, neuroscience, and traditional finance reshaped his perspective on the role of a financial advisor. That realization sets the foundation for today's discussion: helping i...
2025-12-1718 min
Retire In TexasIs Wall Street Moving to Texas?In this week's episode of Retire in Texas, Darryl Lyons explores one of the most significant economic shifts happening in our state: the creation of the Texas Stock Exchange - and what this means for business owners, investors, and the long-term financial landscape of Texas. Darryl begins by sharing a personal story from a recent trip to New York with his daughter, reflecting on how Wall Street has changed over time and how electronic trading has transformed the markets. That reflection sets the stage for today's discussion: the movement of major financial infrastructure away from New York...
2025-12-1016 min
Retire In TexasHow Do I Prepare My Business for a Future Sale?In this episode of Retire in Texas, Darryl Lyons and PAX Financial Advisor Greyson Hanna take listeners through the emotional, practical, and behavioral realities that business owners face when preparing to transition out of their companies. Drawing on years of advising entrepreneurs - and personal experience from a family of business owners - Darryl explains why selling a business is far more than a financial transaction. They break the conversation into the six phases of PAX Financial Group's business transition process: Phase Zero: Understanding the Owner and Spouse, including personal history, sacrifices, communication styles, and...
2025-12-0318 min
Retire In TexasHow Do I Improve My Mental Health in Today's Economy?In this episode of Retire in Texas, Darryl Lyons addresses the growing emotional and mental strain many Americans are experiencing in today's economic climate. With 83% of individuals reporting that rising costs are affecting their mental health, Darryl unpacks the concept of "stressflation" and explains why financial pressure has become overwhelming for many households. He breaks the discussion into five key areas using the PERMA happiness framework: Positive emotions, including how practicing gratitude, shifting perspective, and focusing on personal progress can help reduce negative reactions to financial stress. Engagement, emphasizing how finding activities that...
2025-11-2618 min
Retire In TexasWhat Tax Moves Can I Make Before 2025 Ends?In this episode of Retire in Texas, Darryl Lyons offers a general year-end reminder list to help listeners stay organized as they review their financial and tax-related items. As the year closes, Darryl walks through several topics that individuals and families may want to revisit with their tax or financial professionals. He breaks the discussion into four broad areas: Considerations such as reviewing pay stubs, retirement distributions, and personal budgeting tools to help ensure your information is accurate. General guidance on contribution deadlines, RMD requirements, Roth conversion considerations, and recent legislative updates.
2025-11-1919 min
Retire In TexasAre Women Better Investors Than Men?In this week's episode of Retire in Texas, host Darryl Lyons, CEO and Co-Founder of PAX Financial Group, explores a fascinating question supported by years of research: why do studies suggest that women often achieve different investing results than men? Darryl unpacks two key reasons - overconfidence and impulsiveness - and how humility and patience can support more thoughtful, long-term decision-making. He shares personal stories, including how his own wife's encouragement shaped his career, and how engaging a spouse in financial decisions can foster stronger communication and perspective. You'll also hear how legendary investors like...
2025-11-0516 min
Retire In TexasIs a 2030 Depression Really Coming? Part IIIIn the final installment of this three-part series, Darryl Lyons, CEO & Co-Founder of PAX Financial Group, takes a deeper look at the widely discussed predictions of a potential market downturn in 2030. Rather than leaning into fear, headlines, or doomsday forecasts, Darryl breaks down the four major forces that many believe could collide: government spending, inflation, demographic shifts, and a potential AI bubble. Darryl also discusses the "Chicken Little" voices that have been calling for market catastrophe for decades, spotlighting the dangers of linear thinking, pessimistic modeling, and predictions that ignore innovation, human behavior, and historical resilience. With...
2025-10-2224 min
Retire In TexasIs a 2030 Depression Really Coming? Part II Is the "2030 Depression" really inevitable - or just overhyped? In this continuation of his three-part series, Darryl Lyons, CEO & Co-Founder of PAX Financial Group, dives deeper into the predictions surrounding a potential economic downturn and examines the four "vehicles" that could collide to create it: government spending, inflation, demographic trends, and the AI bubble. Building on Part 1's historical parallels, Darryl unpacks how rising national debt, compounding inflation, shrinking birth rates, and market speculation around artificial intelligence are shaping today's financial landscape. Using his "traffic light" analogy, he illustrates how these forces might intersect...
2025-10-1516 minRetire In TexasIs a 2030 Depression Really Coming? What History and Economics Tell Us | Retire in Texas 200th Episode SpecialIn this 200th-episode special of Retire in Texas, Darryl Lyons, CEO & Co-Founder of PAX Financial Group, begins a three-part series exploring why some economists are discussing the potential for a future downturn, and what history can teach us about investor behavior during times of uncertainty. From the fall of Rome to the Great Depression to today's evolving economy, Darryl connects four powerful influences - government spending, inflation, demographics, and technology - and discusses how these forces interact to shape long-term economic outcomes. He also examines how optimism and pessimism affect investor psychology and what it means to...
2025-10-0819 min
Retire In TexasWhere are the Best Places to Retire in Texas?Where should you retire in Texas? In this week's episode of Retire in Texas, CEO and Co-Founder of PAX Financial Group, Darryl Lyons, shares his top five towns for retirement in the Lone Star State. From the lakes of Marble Falls to the fast-growing hub of New Braunfels, Darryl explains what makes each community stand out and why the Texas Triangle is such an important region to consider. He explores how healthcare access, lifestyle variety, airports, and cost of living all factor into retirement decisions - while highlighting the unique character of each T...
2025-10-0115 min
Retire In TexasHonoring Charlie Kirk: A Legacy of Faith and RevivalIn this heartfelt episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, is joined by guest Charles Garcia for a powerful conversation reflecting on the life, faith, and legacy of Charlie Kirk. Darryl shares the story of PAX's national strategic relationship with Charlie, how it came to be, and the impact it had on the PAX family. Together, Darryl and Charles discuss the heart of Evangelism, the courage it takes to be obedient to God's calling, and how figures like Charlie stand on the shoulders of those who came before...
2025-09-1720 min
Retire In TexasWhat Are Money Principles Every Family Should Know? Part IIIn this week's episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, continues his two-part series on the core financial principles that have guided his career, his clients, and his community. Building on last week's first ten principles, Darryl shares principles 11 through 20 - covering why retirement should be a pivot into purpose, why your net worth is a scorecard (not your identity), and why the market behaves like a child with a yo-yo on an escalator. He also discusses the healthy tension between focus and diversification, the importance of taking responsibility for...
2025-09-1020 min
Retire In TexasWhat Should You Do If Your Identity Is Stolen?In this week's episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, shares practical strategies for protecting yourself from identity theft. From freezing your credit to creating stronger passwords and monitoring your accounts regularly, Darryl walks through clear, actionable steps you can take to help reduce the risk of fraud. Along the way, Darryl highlights real-life examples and common scams, helping you stay aware and proactive in safeguarding your finances. Show highlights include: • Three preventative measures to help reduce the likelihood of ID theft. • How freezing your credit work...
2025-08-1316 min
Retire In TexasIs the U.S. Economy Healthy?In today's episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, explores a timely question: Is the economy actually doing better than we think? While pessimism often dominates the news cycle, this episode highlights five key indicators that suggest economic resilience in 2025 - and what that means for long-term investors. Darryl breaks down: -Why employment trends may be stronger than they appear - even with recent layoffs. -How recent corporate earnings from companies such as Nvidia, Microsoft, and Meta have been interpreted as signals of underlying...
2025-08-0617 min
Retire In TexasHow Do I Financially Plan for a Child With a Disability?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.
2025-07-2320 min
Retire In TexasHow Do You Collide Your Money with Your Faith?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 imp...
2025-07-1619 min
Retire In TexasHijacked by Headlines: How Fear and Misinformation Derail Your Wealth PlanIn 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 un...
2025-07-0917 minRetire In TexasShould You Worry About Government Debt in Your Investments?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...
2025-07-0218 min
Retire In TexasCollege is Still Worth It - If You Plan Wisely 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...
2025-06-2519 min
Retire In TexasWhy Doing It Yourself Might Cost You More 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...
2025-06-1818 min
Retire In TexasIs Tokenization the Future of Investing?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:
2025-06-1115 min
Retire In TexasDefine the Date and Take the Next Step 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...
2025-06-0413 min
Retire In TexasWhat the U.S. Credit Downgrade Means for Your Money 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...
2025-05-2816 min
Retire In TexasDiscovery Is Not a Sales Pitch - It's a Conversation In this week's episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, breaks down one of the most overlooked but critical elements of financial planning: the discovery meeting. Whether you're already a client or just starting to explore a relationship with an advisor, understanding how PAX approaches discovery reveals a lot about what it means to truly serve clients with clarity, care, and purpose. Darryl shares a behind-the-scenes look at how PAX advisors engage with new clients - not with sales pitches or pressure, but with thoughtful questions and deep listening. Through...
2025-05-2117 min
Retire In TexasLessons from Warren Buffett's PlaybookIn this week's episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, reflects on the life, legacy, and investing philosophy of Warren Buffett in light of his upcoming transition from CEO of Berkshire Hathaway. At 94 years old, Buffett's influence on the world of finance spans generations - and in this thoughtful episode, Darryl shares not only Buffett's remarkable accomplishments, but also the lessons that everyday investors can learn from his unique approach. Darryl unpacks Buffett's investing style, personal quirks, and lesser-known decisions, while offering insight into how value investing has evolved...
2025-05-1417 min
Retire In TexasCan We Save Social Security? What Every Retiree Needs to KnowIn this week's episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, takes on one of the most urgent and often misunderstood topics in retirement planning: Social Security. With headlines swirling, political tensions rising, and myths spreading, Darryl breaks down the real math behind the Social Security system, the challenges it faces, and what retirees (and future retirees) need to understand today. Drawing on personal stories, economic context, and practical advice, Darryl explains why this issue affects everyone - not just those currently receiving checks - and how thoughtful, long-term thinking can...
2025-05-0717 min
Retire In TexasMutual Funds or ETFs? The Critical Differences Explained In this week's episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, takes a closer look at two often misunderstood investing vehicles: mutual funds and exchange traded funds (ETFs). Building on last week's discussion about stocks and bonds, Darryl breaks down the key differences between these two types of funds, how they operate, and what investors need to know when deciding between them. Through real-world examples, historical context, and practical insight, Darryl explains why the evolution from mutual funds to ETFs has reshaped modern investing - and why understanding the nuances between...
2025-04-3017 min
Retire In TexasThe 4 Building Blocks of Every Investment Portfolio In this week's episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, brings it back to basics - but with a twist. In a time when market noise is louder than ever, Darryl offers a clear, foundational look at the four main investment types: stocks, bonds, cash, and alternatives. Whether you're a seasoned investor or just getting started, this episode delivers timeless principles, real-world context, and fresh insight to help you make better long-term decisions. Darryl explains why owning companies still offers the best opportunity for long-term growth, why cash isn't as "...
2025-04-2319 min
Retire In TexasThe Tariff Tug-of-War: What Investors Need to Know 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...
2025-04-1619 min
Retire In TexasThe Five Types of Retirement - and How to Pivot Toward the Best One 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. ...
2025-04-0914 min
Retire In TexasThe Divine Purpose of Work 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...
2025-04-0215 min
Retire In TexasCurrent Market Conditions: What Investors Should Know 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...
2025-03-2618 min
Retire In TexasThe Case for International Stocks in Today's Market 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, inte...
2025-03-1917 min
Retire In TexasBeyond the Numbers: The True Value of a Financial Advisor 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...
2025-03-1217 min
Retire In TexasRedeeming Money: Aligning Faith and Finances 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...
2025-03-0517 min
Retire In TexasThe #1 Reason Investors Underperform - And How to Fix ItIn 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 impa...
2025-02-1216 min
Retire In TexasThe Power of Small-Cap Stocks: Hidden Opportunities in Your Portfolio 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 u...
2025-02-0518 min
Retire In Texas2025 Financial Convictions: Preparing for the Year Ahead 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% mark...
2025-01-2923 min
Retire In TexasThe Art of Decisiveness: Making Better Financial Choices 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...
2025-01-2217 min
Retire In TexasPatience Pays: Avoiding Costly Investment Mistakes 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...
2025-01-1518 min
Retire In TexasThe Complexity of Global Trade and What It Means for You 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...
2025-01-0815 min
The Dark Side of FinanceIvan Boesky: Wall Street’s Most Infamous Insider Trading Scandal In this week’s episode of The Dark Side of Finance, Darryl Lyons takes us on a deep dive into one of the most infamous insider trading scandals in Wall Street history - the rise and fall of Ivan Boesky. Known as "Ivan the Terrible," Boesky's story is a riveting tale of ambition, greed, and the consequences of financial misconduct that rocked the 1980s financial world. Darryl unpacks how Boesky leveraged insider information to amass a fortune, only to face a dramatic downfall orchestrated by federal prosecutors, including Rudy Giuliani. Along the way, listeners will gain insights in...
2024-12-2018 min
Retire In Texas2025 Market Insights: What Investors Need to Know 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...
2024-12-1820 min
The Dark Side of FinanceHorror Investments: A Financial Advisor’s Shocking Misuse of Trust In this week’s episode of The Dark Side of Finance, Darryl Lyons dives into the murky world of independent film investments and the devastating consequences of financial misconduct within the industry. Centered on the story of Helen Grace Caldwell, a former Citigroup advisor turned horror film producer, this episode unravels how Caldwell exploited her position to manipulate elderly clients into funding low-budget, niche movies. Darryl explores how Caldwell’s unchecked access to client accounts enabled her to misappropriate millions of dollars. Through vivid storytelling and expert insights, Darryl uncovers the systemic gaps that allowed Caldwell to oper...
2024-12-1323 min
Retire In TexasAI and Your Financial Future: What You Need to Know 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...
2024-12-1119 min
Retire In TexasAdvisory Council Insights: Building Better Financial Solutions Together 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...
2024-12-0417 min
The Dark Side of FinanceThe $50,000 Scam: How Even Experts Can Be Fooled In this week’s eye-opening episode of The Dark Side of Finance, Darryl Lyons unpacks the harrowing story of Charlotte Cowles, a successful financial journalist whose expertise couldn’t shield her from becoming the victim of a sophisticated scam. Charlotte, known for her insightful personal finance columns, fell prey to a group of con artists who manipulated her trust, used fear tactics, and ultimately stole $50,000 of her savings. Darryl explores how scammers exploited Charlotte’s vulnerability with a chillingly calculated methodology, including fake calls from Amazon, the Federal Trade Commission, and even the CIA. Through deceitful claims of fra...
2024-11-2921 min
Retire In TexasSimplifying Required Minimum Distributions (RMDs) for Your Retirement 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...
2024-11-2717 min
Retire In TexasThree Paths to Faith-Based Investing 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...
2024-11-2015 min
The Dark Side of FinanceCrypto Deception: The Rise and Fall of Sam Bankman-Fried In today’s episode of The Dark Side of Finance, Darryl Lyons dives into the fascinating and shocking story of Sam Bankman-Fried, the crypto wunderkind whose fall from grace has rocked the financial world. Once hailed as a visionary in the world of cryptocurrency, Sam went from rubbing shoulders with celebrities like Tom Brady to serving time in prison for one of the largest embezzlement scandals in recent history. This episode uncovers how Bankman-Fried, founder of Alameda Research and FTX, embezzled billions of dollars from unsuspecting investors under the guise of innovation and philanthropy. From cozying up to...
2024-11-1515 min
Retire In TexasYour Financial FAQs: Essential Money Tips for Every Stage of Life In this week's episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, tackles some of the most frequently asked financial questions he receives, covering topics that impact individuals and families alike. Darryl offers straightforward advice on everything from debt management strategies to understanding the potential tax implications of government proposals, providing listeners with practical steps to improve their financial outlook. Darryl dives into each question, sharing resources, strategies, and unique perspectives on topics like paying for college, retirement preparation, and managing investments effectively. His thoughtful answers empower listeners to make informed decisions...
2024-11-1316 min
Retire In TexasLeading with Purpose: Unlocking Your Leadership PotentialIn this week's episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, explores the theme of leadership and its impact on personal and financial growth. Moving beyond traditional topics, Darryl shares his own experiences and insights on how true leadership plays a pivotal role in shaping our lives and communities. Key show highlights include: • Understanding leadership as influence and the importance of guiding others with integrity. • Darryl's personal journey and the mentors who shaped his career and values. • How to identify your own strengths and develop them i...
2024-11-0619 min
The Dark Side of FinanceFaith and Fraud: The Case of "The Investment Preacher" In this week’s episode of The Dark Side of Finance, Darryl Lyons tackles a fresh and deeply personal case, shedding light on a financial scandal that’s still unfolding. This episode dives into the case of David Anthony Wright, a former pastor-turned-financial advisor, who defrauded clients under the guise of faith. Known as "The Investment Preacher," Wright orchestrated a $2 million fraud by selling fraudulent promissory notes to clients while misleading them with promises of safety, religious rhetoric, and misused biblical references. The twist? Wright himself may have been conned, leading to an even more convoluted outcome. Key...
2024-11-0116 min
Retire In TexasThe Retirement Crisis: Are You Prepared for the Long Haul? In this episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, tackles a critical issue facing many Americans: the retirement crisis. Darryl breaks down the risks of running out of money in retirement, emphasizing how financial insecurity can impact both individuals and families. He shares insights into the characteristics of financially secure retirees and highlights the alarming fact that many seniors in the U.S. do not meet these criteria. Darryl also covers essential steps for those in both the accumulation and distribution phases of retirement, offering practical advice to help listeners...
2024-10-3017 min
Retire In TexasBetting on Texas: Growth, Opportunity, and Innovation In this week's episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, takes a deep look into the booming economic landscape of Texas. Darryl explores the key factors driving Texas' rapid growth, from its business-friendly environment to the ongoing migration of companies and people from other states. With a focus on the Texas Triangle (Dallas, Houston, San Antonio), he discusses the unique ecosystem forming between these cities and how it's shaping the future of commerce. Darryl also shares his personal journey through various Texas towns, offering listeners insight into the diverse subcultures...
2024-10-2317 min
The Dark Side of FinanceThe Rise and Fall of Dawn BennettIn this week’s episode of The Dark Side of Finance, Darryl Lyons unpacks the shocking case of Dawn Bennett, once a top financial advisor with a dazzling reputation, now serving a 20-year prison sentence for orchestrating one of the most bizarre financial frauds in recent history. From her rise to fame as one of the country's leading female advisors to her fall involving a Ponzi scheme and occult rituals, this story is one you won’t believe. Key show highlights include: ● The unique story of Dawn Bennett, one of the most renowned female financial advisors.
2024-10-1815 minRetire In TexasNavigating Election Volatility: 4 Pillars for Smart InvestingIn this week's episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, dives into the topic of market volatility surrounding elections and how investors should approach this unique time. With historical insights and practical strategies, Darryl explores how election cycles affect the stock market and why it's essential to stay calm amidst the noise. Through an engaging discussion, Darryl highlights the importance of maintaining a long-term mindset and avoiding emotional decision-making during times of market uncertainty. He also shares four key pillars that can help guide investors through the volatility, offering a...
2024-10-1613 minRetire In TexasMedicare vs. Social Security: What You Need to Know Before 65In this week's episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, sits down with Justin Elliott, an Insurance Advisor at PAX, to explore the intricacies of Medicare and Social Security. Together, they dive into the evolving healthcare landscape and the critical decisions retirees face when it comes to Medicare Supplements and Medicare Advantage Plans. Through clear explanations and real-world insights, Justin sheds light on the differences between these plans, how healthcare providers approach Medicare claims, and why the Social Security fund might be at greater risk than Medicare in the near...
2024-10-0917 min
The Dark Side of FinanceThe Queen of Mobile Homes: The Chimene Van Gundy StoryIn this week’s episode of The Dark Side of Finance, CEO and co-founder of PAX Financial Group, Darryl Lyons, tells the astonishing story of Chimene Van Gundy, a woman who rose from extreme poverty and foster care to amass a multi-million-dollar fortune flipping mobile homes. However, her success story takes a dark turn as she becomes embroiled in a financial scandal that left hundreds of investors in financial ruin. Key show highlights include: The incredible rags-to-riches story of Chimene Van Gundy, who built a $2 million fortune flipping mobile homes. An exploration of th...
2024-10-0422 minRetire In TexasThe BlackRock Effect: A Deep Dive into the World's Largest Asset ManagerIn this week's episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, tackles the topic of BlackRock, the world's largest asset manager, and its everchanging role in the financial world. Darryl shares insights into BlackRock's influence on global markets, its relationship with government entities, and its controversial engagement with Environmental, Social, and Governance (ESG) initiatives. Through candid storytelling, Darryl explains how BlackRock's policies have impacted PAX Financial's client portfolios and the broader investment community. The episode also touches on the importance of maintaining trust and transparency in financial partnerships, and how PAX...
2024-10-0217 minRetire In TexasYou May Not Realize It, But the Fed Matters to YouIn this week's episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, dives into the often misunderstood yet vital topic of the Federal Reserve and its profound influence on the economy and your investments. Darryl breaks down the complex functions of the Federal Reserve, from setting monetary policy to banking supervision, and explains how decisions made by the Fed impact everything from inflation to employment. Through personal anecdotes, historical examples, and even a few dad jokes, Darryl demystifies the Fed's role in the market and answers key questions such as whether the...
2024-09-2515 min
Retire In TexasHow Behavioral Finance Shapes Your Financial Success (and Failure)In this week's episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, opens up about the powerful world of behavioral finance by sharing his own personal investment mistakes. Darryl discusses four key missteps he made throughout his financial journey, ranging from herd mentality to overconfidence, and how each error offers valuable lessons for investors. Through these stories, Darryl emphasizes the importance of self-awareness and learning from mistakes, rather than being hindered by them. Whether you're a seasoned investor or just starting out, Darryl's insights provide a valuable roadmap for avoiding common behavioral...
2024-09-1818 minRetire In TexasInvesting Beyond the Basics: Exploring Alternative Asset ClassesIn this week's episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, dives into the fascinating world of alternative investments and their place in a balanced portfolio. From guns to sports cards and even wine, Darryl shares insights on why these assets gained popularity during the Covid era and how they fit into your financial strategy. Using a business lens, he examines key factors like liquidity, rate of return, and risk, while emphasizing the importance of keeping these investments within a reasonable portion of your overall wealth. Key show highlights include:...
2024-09-1120 min
The Dark Side of FinanceLove and Lies: The Pig Butchering SchemeIn this week’s episode of The Dark Side of Finance, CEO and co-founder of PAX Financial Group, Darryl Lyons, explores a chilling "pig butchering" scam that tragically ensnared a 75-year-old retiree. Through gripping narratives and detailed analyses, he reveals the psychological manipulations and deceptive tactics used by today's financial criminals to build trust and manipulate their victims into devastating losses. Key show highlights include: *A detailed examination of the "pig butchering" scheme, where scammers build trust and manipulate victims into investing large sums of money. *The heartbreaking story of a 75-year-old retiree who...
2024-09-0620 minRetire In TexasRethinking Retirement: A New Perspective for Generation XIn this week's episode of Retire in Texas, Darryl Lyons, CEO and co-founder of PAX Financial Group, dives into the evolving concept of retirement, particularly for Generation X. Darryl challenges the traditional notion of retirement and explores the idea of pivoting rather than retiring, urging listeners to reconsider the inherent value of work. He discusses the unique financial challenges facing Gen Xers, from the 401(k) experiment to the changing landscape of Social Security, and emphasizes the importance of saving not just for retirement but for life's unexpected turns. Key show highlights include: The evolving definition of...
2024-09-0413 minRetire In TexasPurposeful Planning - Using Reflection to Shape Your FutureIn this week's episode of Retire in Texas, Darryl Lyons, CEO and co-founder of PAX Financial Group, asks the profound question: "Where are you going with your life?" Using a blend of personal reflection and a structured framework, Darryl challenges listeners to take a step back and evaluate the direction of their careers, businesses, and overall life journey. Drawing inspiration from the life and leadership of Abraham Lincoln, Darryl introduces a powerful process for looking back, looking up, looking around, and looking ahead. He weaves in personal anecdotes, Lincoln's wisdom, and the importance of aligning one's life with a...
2024-08-2813 min
The Dark Side of FinanceWelcome to The Dark Side of FinanceWelcome to The Dark Side of Finance, where we uncover the hidden world of financial crime, revealing the deception and schemes used to prey upon unsuspecting individuals. Hosted by Darryl Lyons, CEO and co-founder of PAX Financial Group and a seasoned expert in the financial industry, this podcast explores the intricate and often insidious methods used by financial criminals to manipulate and deceive. Key show highlights include: *An explanation of the mission behind The Dark Side of Finance podcast. *Personal stories and insight from Darryl Lyons that reveal the origin of his interest w...
2024-08-2314 minRetire In TexasTurning Off the Noise: Managing Market StressIn this week's episode of Retire in Texas, Darryl Lyons, CEO and co-founder of PAX Financial Group, reflects on the unexpected chaos that unfolded on August 5th and its impact on the financial markets. Sharing a personal story from his recent trip, Darryl walks listeners through the challenges of managing market volatility and the relentless nature of news cycles. He discusses the importance of maintaining a clear perspective amidst media-induced panic and provides a detailed outlook for the fourth quarter of 2024, emphasizing historical trends and their relevance to today's market. Key show highlights include: *A...
2024-08-2115 minRetire In TexasUnlocking Your Investment 'Why' with Bryan WingIn this week's episode of Retire in Texas, Darryl Lyons, CEO and co-founder of PAX Financial Group, is joined by Bryan Wing, Financial Advisor and Advice Research Manager at PAX, to discuss the intricate landscape of investment strategies. They break down the importance of having a clear 'why' behind investment decisions and the role of behavioral finance in achieving financial goals. Bryan shares insights from his extensive research background and highlights both simple and complex investment strategies, including the growing market of alternative investments. Key show highlights include: *The significance of a strong 'why' in...
2024-08-1415 minRetire In TexasA Secure Retirement: Mastering Pivot Planning"Retirement is not the end of the road. It's the beginning of the open highway." In this week's episode of Retire in Texas, CEO and co-founder of PAX Financial Group, Darryl Lyons, explains the innovative concept of pivot planning. The goal, to provide a flexible framework that helps retirees transition smoothly into their next chapter without feeling like their life's value has diminished. Key show highlights include: *An explanation on how pivot planning was born from collaborative efforts among PAX's Certified Financial Planners™. *Analysis of the five bucke...
2024-08-0714 minRetire In TexasUnderstanding Financial Guidance and Introducing New PerspectivesIn this week's episode of Retire in Texas, Darryl Lyons, CEO and Co-founder of PAX Financial Group, explains the pivotal role financial advisors play in helping clients navigate complex financial decisions. Highlighting real-life examples and personal insights, Darryl underscores the importance of having a trusted advisor as a thinking partner. Additionally, Darryl introduces his new podcast, The Dark Side of Finance, which will spotlight stories of financial crime and underscore the need for vigilance. Key highlights include: *How financial advisors assist with major life decisions, from evaluating job offers and insurance policies to planning for...
2024-07-3114 minRetire In TexasDefending Faith: The Work of Alliance Defending Freedom (ADF)In this week's episode of Retire in Texas, Darryl Lyons, CEO and co-founder of PAX Financial Group, dives into the significant work of Alliance Defending Freedom (ADF) in safeguarding religious freedoms across various spheres. Highlighting notable cases and personal stories, Darryl illustrates the challenges and triumphs of defending deeply held convictions in today's socio-political climate. Key highlights include: *The case of Jack Phillips and the legal battles faced by the Masterpiece Cakeshop owner. *ADF's role in ensuring medical professionals' rights are protected against mandates that violate their beliefs. *The impact of...
2024-07-2415 minRetire In TexasThe Impact of Conflicting Thoughts on Investment DecisionsIn this week's episode of Retire in Texas, Darryl Lyons, CEO and co-founder of PAX Financial Group, discusses the complexities of cognitive dissonance and its impact on financial decisions. Drawing from recent experiences and a notable psychological experiment, Darryl examines how holding conflicting thoughts can lead to anxiety and poor decision-making, especially in investing. Key highlights include: *Insights from ringing the bell at the New York Stock Exchange and attending the Alliance Defending Freedom Conference. *Understanding how social pressure can influence individual decisions, even against clear evidence. *Analysis of recent inflation...
2024-07-1715 minRetire In TexasThe Mental Habits of Financial HealthIn this weeks' episode of Retire in Texas, Darryl Lyons, CEO and co-founder of PAX Financial Group, breaks down the psychology of poverty and the mindset that perpetuates it. Reflecting on personal experiences and observations, Darryl explores the habits and beliefs that distinguish a poor mindset from a wealthy one, regardless of actual financial status. Key highlights include: *Darryl's personal anecdotes on the mental fog of financial struggle and its impact on decision-making. *A comprehensive list of 20 thoughts and behaviors that characterize a poor mindset. *Insightful discussions on the victim mentality...
2024-07-1012 minRetire In TexasAligning Your Beliefs with Your Financial GoalsHave you ever wondered how your beliefs shape your financial decisions? In this week's episode of Retire in Texas, Darryl Lyons, CEO and co-founder of PAX Financial Group, explains the philosophy of Biblical Responsible Investing and its impact on financial decision-making. Drawing on personal convictions and Biblical principles, Darryl explores the deep connection between one's view of God and their approach to money. Key highlights include: *Exploring the three attitudes towards God: God is nothing, God is something, and God is everything. *Understanding how these attitudes influence financial decisions and priorities.
2024-07-0312 minRetire In TexasNavigating Investment Quicksand: Practical Tips for Freeing Your PortfolioIn this week's episode of Retire in Texas, Darryl Lyons, CEO and co-founder of PAX Financial Group, breaks down a number of strategies to get your investment portfolio unstuck. Drawing inspiration from the challenges of navigating quicksand, Darryl applies these survival tactics to managing your investments. Key highlights include: *Understanding the importance of remaining calm and avoiding hasty decisions. *Practical steps to reduce financial burden and improve portfolio performance. *Analogies between quicksand dynamics and financial strategies for asset recovery. *Detailed advice from a survival guide to inform investment decisions.
2024-06-2613 minRetire In TexasThe Impact of News Consumption on Your Financial Well-BeingIn this week's episode of Retire in Texas, Darryl Lyons, CEO and co-founder of PAX Financial Group, dives into the effects of news consumption on our mental and financial health. Through insightful analysis and personal experiences, Darryl challenges listeners to reconsider their relationship with news and social media. Today's show highlights include: *The dangers of over-consuming news and social media, comparing them to addictive substances. *The concept of "information vs. wisdom" and how our society suffers more from a lack of wisdom than a lack of information. *Key insights from Rolf...
2024-06-1913 minRetire In TexasNavigating Retirement Planning Tools with Jacob CampbellIn this week's episode of Retire in Texas, Darryl Lyons, CEO and co-founder of PAX Financial Group, dives deep into the essential tools and strategies for successful retirement planning with guest Jacob Campbell, a Certified Financial Planner™ at PAX. Join Darryl and Jacob as they explore the quantitative and qualitative aspects of financial planning, ensuring you're well-prepared for your future. Today's show highlights include: Jacob shares his experience with the rigorous CFP® exam, highlighting the dedication required to achieve this prestigious certification. Why "pivoting" is a more accurate term than "retirement," and the importance of having a p...
2024-06-1216 minRetire In TexasThe Power of Excellence: Unlocking Financial Success through Personal and Professional GrowthIn this week's episode of Retire in Texas, Darryl Lyons, CEO and co-founder of PAX Financial Group, explores the transformative power of excellence in achieving financial success. Through engaging stories and practical insights, Darryl emphasizes the importance of pursuing excellence in all aspects of life, whether in your career, business, or personal endeavors. Today's show highlights include: *Why striving for excellence is crucial for achieving financial goals and personal growth. *Understanding how excellence is like maintaining different rooms in a house, with some areas requiring more attention and effort than others. *A...
2024-05-2914 minRetire In TexasBuilding Wealth Through Business OwnershipOwning companies is a powerful strategy for wealth accumulation, offering opportunities beyond traditional investments. In this week's episode of Retire in Texas, Darryl Lyons, CEO and co-founder of PAX Financial Group, explores the concept of investing as a means to own businesses, emphasizing how this approach can generate long-term financial growth. Show highlights include: *Exploring why owning a business is considered the best way to accumulate wealth, supported by evidence and examples. *Differentiating between passive and active real estate ownership, and their impacts on wealth-building. *Understanding the connection between i...
2024-05-2215 minRetire In TexasBusiness Exit Planning: Essential Steps for a Successful TransitionIn today's episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, shares a compelling discussion centered around the unique challenges faced by business owners when it comes to exit planning. Darryl and guest Jon FitzSimon, the 401(k) Coordinator at PAX, delve into the intricacies of retirement planning for business owners and the critical role of 401(k) plans in diversifying assets beyond the business. Listeners will gain valuable insights into PAX's Business Pivot Planning service—a five-step process designed to assist business owners in preparing for successful business exits or transitions. The episode ex...
2024-05-1519 minRetire In TexasExposed: Deception in Financial CounselingFinancial crime, exemplified by Caz Craffy's deceitful actions, remains a prevalent threat within the financial counseling system, highlighting the importance of vigilance and skepticism. In today's episode of Retire in Texas, PAX Financial Group CEO and Co-Founder, Darryl Lyons, delves into a poignant account of financial crime affecting military families. He shines a light on the story of Natasha Bovard, a widow grappling with the aftermath of her husband's tragic passing. Darryl discusses the critical support provided by the Department of Veterans Affairs to families of fallen soldiers and reveals how this system was exploited by unscrupulous...
2024-05-0813 minRetire In TexasThe Power of Roth IRA ConversionsRoth IRA conversions can provide significant tax benefits by allowing tax-free growth and withdrawals, making them a crucial strategy for long-term financial planning and legacy wealth transfer. In this week's special episode of Retire in Texas, PAX Co-Founders Darryl Lyons and Joseph Schuetze dive into the critical topic of Roth IRA conversions. They discuss the benefits of tax-free growth and withdrawals with Roth IRAs compared to traditional IRAs, highlighting the importance of strategic planning for retirement. Learn why Roth conversions are advantageous, the optimal timing for conversions, and how financial advisors and CPAs collaborate to maximize tax e...
2024-05-0115 minRetire In TexasInvestment Clues for Long-Term ThinkingThe impact that inflation is having on consumer costs can't be overstated, and it is affecting the daily lives of Americans everywhere. In today's episode of Retire in Texas, PAX Financial Group CEO and Co-Founder, Darryl Lyons, explores the intricacies of the current economic landscape, providing valuable insights on navigating investment strategies amidst rising inflation and market uncertainties. He discusses the importance of diversification, analyzes the performance of stocks, bonds, and cash, and introduces the concept of a "core-satellite portfolio" for optimizing risk and opportunity in today's dynamic market environment. Today's show highlights include:
2024-04-2416 minRetire In TexasAssessing the Gold Surge and the Digital Dollar DebateCostco sold out of gold quickly after offering it for sale at $1,900, surprising many with the demand for this traditionally valuable asset. In this week's episode of Retire in Texas, Darryl Lyons delves into the unexpected surge of interest in gold sparked by Costco's foray into selling the precious metal, while also exploring the contentious debate surrounding the potential introduction of a government-backed digital dollar. Show highlights include: *A breakdown of gold's recent surge in value and why it is attributed to inflation hedging and fear in the market, with concerns about potential...
2024-04-1714 minRetire In TexasUnderstanding Inflation: Past, Present, and Future PerspectivesGrocery prices have increased by 25% over the past four years, impacting families everywhere who are facing significant challenges in managing their monthly expenses In this week's episode of Retire in Texas, Darryl Lyons dives deep into the complexities of inflation and its profound impact on households today. Gain valuable insights and practical strategies to navigate rising costs and safeguard your financial future in an evolving economic landscape. Show highlights include: *A discussion of the real impact of inflation on everyday life. *A breakdown of inflation from past causes to present effects...
2024-04-1016 minRetire In TexasEmpowering Financial Futures: Practical Tools for Budgeting and SavingSaving money doesn't have to be difficult. If you find yourself in need of tips and tricks for budgeting and growing your personal savings, in an easy and cost-effective way, then we've got the perfect episode for you! In this episode of Retire in Texas, Darry Lyons explores the practical realm of personal finance, stepping away from market-centric discussions to focus on tangible strategies that can be incorporated into everyday life. Show highlights include: *Darryl Lyons' recount of the personal financial struggles he faced living beyond his means, accumulating debt, and relying on c...
2024-04-0312 minRetire In TexasProsperity vs. Perception: Unraveling the Economic DisconnectDespite record highs in major stock market indices and decreasing unemployment rates, many Americans express dissatisfaction and unhappiness, suggesting a disconnect between economic indicators and societal well-being. In this week's episode of Retire in Texas, Darryl Lyons breaks down the crucial topic of financial planning amid the backdrop of societal discontent and economic prosperity. He navigates the complexities of navigating personal finances in a world where perceptions often diverge from economic realities. Show highlights include: *Why, despite economic prosperity, many Americans express dissatisfaction and unhappiness, similar to sentiments observed during deep recessions.
2024-03-2712 minRetire In TexasProtecting Your Wealth: Insights from the Tim Duncan ScandalRonald Reagan said it best, trust but verify. In this week's special edition of Retire in Texas, Darryl Lyons dives into the world of financial crime, breaking down the story of Tim Duncan's unfortunate encounter with deceit and manipulation in the realm of wealth management. Through a detailed recounting of Duncan's experience, Lyons sheds light on the tactics employed by fraudsters like Charles Banks IIII, emphasizing the importance of vigilance and due diligence in safeguarding one's financial well-being. Show highlights include: *The story of Tim Duncan, an NBA Hall of Famer, and how...
2024-03-2015 minRetire In TexasTax-Smart Retirement Planning: Insights on Roth ConversionsFor those looking to optimize their long-term wealth preservation and succession planning, strategic Roth conversions may be the answer you are searching for. In this week's episode of Retire in Texas, Darryl Lyons is joined by PAX's very own advisor, Roger Stukkie. Together, the duo provides valuable insights into Roth conversions, expanding on the potential benefits, risks, and strategic considerations, while also expressing the importance of seeking individualized financial advice. Show highlights include: *A discussion of the concept of Roth conversions and how they differ from traditional IRAs in terms of taxation.
2024-03-1318 minRetire In TexasInvesting with Confidence: Understanding Structured ProductsIf you're someone who's hesitant to invest due to fear of market volatility and often find yourself hoarding your money under your mattress, then this episode is tailor-made for you. In this week's episode of Retire in Texas, Darryl Lyons delves into the world of structured products, offering a comprehensive overview of their potential benefits and considerations for investors seeking a middle ground between traditional investments and safer options. Show highlights include: *Why many investors are apprehensive with the current state of the market, and why structured products may be the ideal solution...
2024-03-0614 minRetire In TexasFinding Balance in Wealth ManagementFinding the delicate balance between passive oversight and active involvement in personal financial management is a crucial challenge that everyone has to learn to overcome. In today's episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, discusses the importance of finding the perfect mix of being "lazy" with being proactive in financial planning. Today's show highlights include: *Why we see many individuals struggle with the overwhelming options and complexity of personal financial planning. *The concept of behavioral traps, which some investors fall into such as inertia...
2024-02-2813 minRetire In TexasSelf-Reflection and Financial PlanningWith the 2024 presidential election right around the corner, the significance of focusing on what one can control amid external uncertainties can't be stressed enough. In today's episode of Retire in Texas, PAX Financial Group CEO and Co-Founder, Darryl Lyons, shares insights on navigating financial decisions and life goals through a series of thought-provoking questions. He explores the importance of questioning, drawing inspiration from biblical teachings, and encourages listeners to engage in self-reflection regarding their financial priorities. Today's show highlights include: *A breakdown of the 3 essential financial questions that everyone needs to be aware...
2024-02-2114 minRetire In TexasInvesting in a Year of Political NoiseWith the 2024 Presidential election just around the corner, it is more important than ever to equip ourselves with the knowledge and mindset necessary to weather market volatility and make informed financial decisions. In today's episode of Retire in Texas, PAX Financial Group CEO and Co-Founder, Darryl Lyons, breaks down everything you need to be aware of with regards to the upcoming election, and its potential impact on your finances. By understanding the implications of political events on the economy and markets, staying focused on long-term goals, and avoiding emotional reactions to short-term fluctuations, investors can navigate uncertain...
2024-02-1413 minRetire In TexasUnderstanding Financial Implications of the 2024 ElectionAs the 2024 Presidential election approaches, it's crucial for Americans to discern what truly matters to them in order to make informed voting decisions. In today's episode of Retire in Texas, PAX Financial Group CEO and Co-Founder, Darryl Lyons, dives into the intricate world of financial planning amidst the political landscape. With a focus on key issues like taxes, Social Security, and healthcare, he navigates the complexities of how proposed policies may impact personal finances. Show highlights include: *A discussion of the concept of "fair share" in taxes and how it's often framed in...
2024-02-0714 minRetire In TexasEstate Strategies: Maximizing Wealth, Minimizing TaxesFor 2024, estates exceeding $13,610,000 (or $26 million for married couples) may be subject to estate taxes, making strategic planning essential for wealth preservation, and this number could be even higher in 2025. In today's episode of Retire in Texas, PAX Financial Group CEO and Co-Founder, Darryl Lyons, dives deep into the intricate world of inheritance and legacy planning, shedding light on key tax considerations that can significantly impact your estate and the wealth you pass on to the next generation. Some of today's show highlights include: *A breakdown of the immense tax benefits of living in...
2024-01-3113 minRetire In TexasBiblical Responsible Investing: Decoding Christian Financial WisdomDid you know that Christians collectively hold a substantial 55% share of the world's entire wealth.? In today's episode of "Retire in Texas," Darryl Lyons introduces his upcoming book, "Biblical Responsible Investing" which explores the unique motivations driving Christian financial thinking. Throughout the podcast, Darryl provides an in-depth overview of the book's chapters, covering topics from political motivations to multi-generational wealth transfer. With endorsements from industry figures, the episode offers a glimpse into a distinct approach to financial decision-making rooted in faith. Some of today's show highlights include: * A high-level overview of e...
2024-01-2414 minRetire In TexasAchieving Financial Goals and Making a Community ImpactWhile the focus of financial services often gravitates towards investment strategies and market forecasts, the essence of fostering trust through open communication, integrity, and making a positive difference in the community plays a pivotal role. This episode sheds light on how PAX Financial Group not only acknowledges but prioritizes these fundamental values, offering a unique perspective on the often-overlooked dimensions that shape a truly impactful financial service experience. In today's episode of Retire in Texas, Darryl Lyons offers a detailed glimpse into the inner workings and recent developments within PAX Financial Group. Some o...
2024-01-1714 minRetire In TexasFaith and Finance: The Spiritual Battle for Your WealthJust as businesses have target markets, financial thieves also target specific groups, which emphasizes the need for heightened awareness in safeguarding against evolving threats. In today's episode of Retire in Texas, Darryl Lyons dives deep into the existence of evil and its impact on financial strategies, addressing theft, the killing of joy through anxiety, and the attempt to destroy the religious fabric in today's financial ecosystem. Some of today's show highlights include: *Why certain groups, such as the boomer generation and Christians, are specifically targeted by financial thieves. *An explanation of...
2024-01-1016 min
Real Faith Stories181: When Mental Toughness & Extra Effort No Longer Work - Darryl Lyons“Mental toughness, extra effort” was the self-sufficient mantra Darryl lived by, until one February day that became nothing more than a powerless saying. He came to the end of himself and discovered how abiding in Jesus moment by moment was what his heart had always longed for.Special Guest: Darryl Lyons.Links:Meet DarrylDarryl's WebsiteDarryl W. Lyons | LinkedInDarryl Lyons | FacebookDarryl Lyons | Instagram photos and videosMore about the Real Faith Stories PodcastConnect with Brian Robinson
2023-12-0733 min