Hijacked by Headlines: How Fear and Misinformation Derail Your Wealth Plan
Retire In Texas
In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, tackles one of the biggest challenges facing investors today: information overload. With news headlines, political rhetoric, and market commentary flooding our daily lives, making sound financial decisions can feel like navigating a maze. Darryl breaks down the subtle (but critical) differences between mentors, coaches, and consultants - and explains why having a trusted guide can help you stay rational when emotions threaten to derail your long-term strategy. Key Highlights Include: • How...
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Should You Worry About Government Debt in Your Investments?
Retire In Texas
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 -...
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College is Still Worth It - If You Plan Wisely
Retire In Texas
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...
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Why Doing It Yourself Might Cost You More
Retire In Texas
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...
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Is Tokenization the Future of Investing?
Retire In Texas
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,...
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Define the Date and Take the Next Step
Retire In Texas
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...
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What the U.S. Credit Downgrade Means for Your Money
Retire In Texas
In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, breaks down the recent U.S. credit downgrade by Moody’s - and what it really means for the economy, the markets, and your personal finances. While headlines may spark panic, Darryl walks listeners through the facts with clarity and perspective. From the ripple effect on mortgage rates to the role of active bond managers, Darryl explains why this downgrade, though historic, isn’t cause for alarm - and why the U.S. remains, in his words, “the cleanest shirt in a dirty load of...
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Discovery Is Not a Sales Pitch - It’s a Conversation
Retire In Texas
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...
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Lessons from Warren Buffett’s Playbook
Retire In Texas
In 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...
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Can We Save Social Security? What Every Retiree Needs to Know
Retire In Texas
In 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 -...
info_outlineIn 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, international, and global investments - and why it matters.
• How emerging markets like Brazil, Russia, India, and China compare to developed markets in Europe and Japan.
• The risks of international investing, including currency fluctuations, geopolitical tensions, and different accounting standards.
• Why experts suggest a shift toward higher international allocations in portfolios over the next decade.
A well-structured investment strategy considers more than just past performance, it looks at evolving global trends, economic shifts, and risk management. As interest rates, inflation, and trade policies change, now may be the time to reassess your international allocation.
For more insights and to connect with a PAX Financial Group advisor, visit www.PAXFinancialGroup.com.
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Resources:
Investing | international stock outlook | Fidelity
Could Emerging-Markets Stocks Outperform US Stocks? | Morningstar