Shows
The Caprock Blueprint: A Richer, More Balanced Life with Dereck BlairEpisode 12: Pension Payouts, Annuities & Hidden Retirement Risks – What You Need to KnowEpisode 12: Pension Payouts, Annuities & Hidden Retirement Risks – What You Need to KnowIn Episode 12, Dereck Blair, President of Caprock Financial Group, tackles the most pressing—and misunderstood—topics facing pre-retirees and retirees today: pension decisions, annuity options, legislative threats, and interest rate shifts. If you’ve ever wondered what the best way to protect your spouse, maximize your pension, or avoid hidden fees in annuities might be—this episode is for you.💬 Inside this episode, you’ll learn:✔️ How to unlock hidden pension secrets and choose the payout o...
2025-10-2328 minThe Caprock Blueprint: A Richer, More Balanced Life with Dereck BlairEpisode 11: Functional Medicine, Resilience & Retirement Planning — Featuring Dr. Jon Skelton of Live Life Well ClinicThe Caprock Blueprint for a Richer, More Balanced Life Episode 11: Functional Medicine, Resilience & Retirement Planning — Featuring Dr. Jon Skelton of Live Life Well ClinicIn this compelling conversation, Dereck Blair, President of Caprock Financial Group, is joined by Dr. Jon Skelton, founder of Live Life Well Clinic in Lubbock, TX. With a background that includes serving on the front lines of COVID-19, Dr. Skelton shares his powerful transition from traditional emergency care to functional, patient-centered medicine—and how this shift mirrors the same holistic approach Dereck uses...
2025-09-1927 minThe Caprock Blueprint: A Richer, More Balanced Life with Dereck BlairEpisode 10: Healing Naturally, Living Boldly — Featuring Jimmy Fitzpatrick of Hub City Organics🎙️ The Caprock Blueprint for a Richer, More Balanced Life Episode 10: Healing Naturally, Living Boldly — Featuring Jimmy Fitzpatrick of Hub City OrganicsIn this energizing and eye-opening episode, Dereck Blair, President of Caprock Financial Group, sits down with Jimmy Fitzpatrick, founder and owner of Hub City Organics in Lubbock, TX. From detox therapies to entrepreneurial breakthroughs, this conversation celebrates natural healing, transformation at any age, and the power of purpose-driven growth.💬 You’ll hear stories and insights on:✔️ Infrared sauna and salt t...
2025-09-1529 minThe Caprock Blueprint: A Richer, More Balanced Life with Dereck BlairEpisode 9: Discovering Your 100% – Wellness, Wealth & Removing Roadblocks with Dr. Kallie CorbinIn this follow-up episode, Dereck Blair, President of Caprock Financial Group, is joined once again by Dr. Kallie Corbin of MaxLiving Chiropractic in Lubbock, TX to explore how to live life at 100%—physically, emotionally, and financially. Together, they break down the roadblocks that often hold people back from reaching their full potential and discuss how holistic wellness and intentional financial planning can work hand in hand.💬 This episode explores topics like:✔️ Why strength training and cardiovascular health are essential for long-term vitality ✔️ How removing internal and...
2025-08-2832 minThe Caprock Blueprint: A Richer, More Balanced Life with Dereck BlairEpisode 8: Living Longer, Healthier & Wealthier — Featuring Dr. Kallie Corbin of MaxLiving ChiropracticIn this uplifting and educational episode, Dereck Blair, President of Caprock Financial Group, welcomes Dr. Kallie Corbin of MaxLiving Chiropractic in Lubbock, TX to share a refreshing perspective on how physical wellness and financial wellness go hand in hand. Together, they explore the habits and principles that lead to long-term vitality—not just in retirement accounts, but in everyday living.💬 In this episode, you’ll discover:✔️ How the “80/20 Rule” can simplify healthy eating and build sustainable habits ✔️ A 98-year-old’s inspiring secret to longevity — and why simple movement...
2025-08-2028 minThe Caprock Blueprint: A Richer, More Balanced Life with Dereck BlairEpisode 7: The One Big Beautiful Bill Act, IRMAA Fees & Estate Planning — Featuring Becky Swansburg, CEO of Stonewood FinancialIn this high-impact episode, Dereck Blair, President of Caprock Financial Group, is joined once again by Becky Swansburg, CEO of Stonewood Financial, to unpack how recent legislative changes—especially the One Big Beautiful Bill Act, signed into law on July 4, 2025—could reshape the retirement landscape for American savers and investors.💬 This episode delivers clear answers to big questions like:✔️ What does the One Big Beautiful Bill Act mean for estate tax exemptions, Social Security, and Medicare? ✔️ How long will current estate tax protections last—and what should h...
2025-08-0627 minThe Caprock Blueprint: A Richer, More Balanced Life with Dereck BlairEpisode 6: Social Security, IRS Traps & Tax-Free Retirement — Featuring Insights on the One Big Beautiful Bill ActMost retirees are shocked to learn their Social Security benefits may be taxed up to 85%—and that the IRS could become their largest, most silent retirement partner.In this timely episode, Dereck Blair, President of Caprock Financial Group, unpacks the real-world impact of retirement tax policy—including insights from Becky Swansburg, CEO of Stonewood Financial, on the One Big Beautiful Bill Act, a sweeping U.S. tax and spending statute signed into law on July 4, 2025. This law outlines major components of President Donald Trump’s second-term agenda and co...
2025-08-0531 minThe Caprock Blueprint: A Richer, More Balanced Life with Dereck BlairEpisode 5: Tax-Free Retirement — The Power of Life Insurance & Strategic PlanningImagine a retirement where you pay zero taxes on your income—and actually get a pay raise when you stop working. Sound too good to be true?In this eye-opening episode, Dereck Blair, President of Caprock Financial Group, reveals real-life strategies that help clients legally reduce their tax burden, build wealth through cash-value life insurance, and create income they won’t outlive. This is the episode every pre-retiree and retiree needs to hear.💬 Here’s what you’ll learn in this episode:✔️ How life insurance...
2025-08-0428 minThe Caprock Blueprint: A Richer, More Balanced Life with Dereck BlairEpisode 4: Financial Independence – Building Freedom on Your TermsIs retirement your only option—or could financial independence come sooner than you think?In this episode recorded right after Independence Day, Dereck Blair, Founder & President of Caprock Financial Group, shares how the pursuit of financial freedom is one of the most patriotic—and powerful—goals you can achieve. This episode dives into how to take control of your future by building income that works for you, understanding your choices, and reducing tax burdens along the way.💬 In this episode, Dereck covers:✔️ Retirement vs. Financial Independence—What’s the real difference?
2025-08-0228 minThe Caprock Blueprint: A Richer, More Balanced Life with Dereck BlairEpisode 3: Achieving Financial Independence — Income, Legacy & the American DreamWhat if retirement didn’t mean living on less—but gaining more?In this powerful July 5th episode, Dereck Blair, President of Caprock Financial Group, shares uplifting stories of families who are not just surviving retirement—but thriving in it. One couple even received a “pay raise” after retiring… and Dereck explains how that happened with strategic planning and smart financial choices.💬 Inside this episode, Dereck covers:✔️ How to achieve income independence in retirement—yes, even with today’s market uncertainty ✔️ The key steps to becoming debt-free while building la...
2025-07-3128 minThe Caprock Blueprint: A Richer, More Balanced Life with Dereck BlairEpisode 2: Retirement Risk, Independence & The Long GamePlanning for retirement isn't just about numbers—it's about strategy, mindset, and personalized guidance. In this episode, Dereck Blair, President of Caprock Financial Group, challenges common assumptions and highlights the risks many retirees overlook.💬 What you'll learn in this episode:✔️ Why there are no shortcuts in financial planning—and how cutting corners can cost you in retirement ✔️ The importance of understanding your unique risk profile before making investment decisions ✔️ What it means to work with an independent financial advisor and how that independence benefits you ✔️ Why longe...
2025-07-3128 minThe Caprock Blueprint: A Richer, More Balanced Life with Dereck BlairEpisode 1: The 8 Elements of Financial SuccessAre you prepared for retirement, or just hoping for the best?In this premiere episode, Dereck Blair, Founder & President of Caprock Financial Group, kicks off his powerful new radio show and podcast by answering real questions from callers just like you. He then dives into the foundation of our signature retirement process—The 8 Elements of Financial Success—a proven, personalized planning strategy designed to help you make confident, well-informed decisions for your future.💬 In this episode, Dereck answers these critical questions:✔️ When should I turn on my Social Secu...
2025-07-2528 min