Retire In Texas
If you are close to retirement and your plan is to retire in Texas, this is the right money conversation for you. Here you will learn the Texas nitty-gritty of money and financial topics from a highly sought-after financial advisor, author, co-founder, and CEO of PAX Financial Group, Darryl Lyons. If your faith, family, and freedom are important to you, then you will love the Retire in Texas Podcast.
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Hijacked by Headlines: How Fear and Misinformation Derail Your Wealth Plan
07/09/2025
Hijacked by Headlines: How Fear and Misinformation Derail Your Wealth Plan
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 mentors, coaches, and consultants each play unique roles in your financial life. • The behavioral traps that can derail even the most rational investors. • A real-life case study of emotional decision-making during market turmoil. • How misinformation influences your perception of risk and opportunity. • Why your advisor should be more than just a financial “consultant”. Whether you're feeling stuck or simply want to build a better decision-making framework, this episode offers a thoughtful and empowering perspective. For more insights or to connect with a PAX Financial Group advisor, visit www.PAXFinancialGroup.com. Like what you heard? Share this episode with a friend! Resource:
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Should You Worry About Government Debt in Your Investments?
07/02/2025
Should 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 - and why it deserves your attention. Key Highlights: • Why bonds still play a vital role - even if you prefer stocks. • What bond auctions reveal about global trust in the U.S. economy. • The four principles every investor should follow when it comes to bonds. • Why professional bond management can make a major difference. • How to stay calm (and informed) in the face of economic uncertainty. Whether you’re nearing retirement or helping a loved one navigate their investment journey, this episode provides timeless insights with a steady hand. For more insights or to connect with a PAX Financial Group advisor, visit www.PAXFinancialGroup.com. Like what you heard? Share this episode with a friend! Resources: 🌐https://www.ceicdata.com/en/indicator/greece/long-term-interest-rate 🌐 https://bipartisanpolicy.org/explainer/why-the-national-debt-matters-for-the-u-s-bond-market-and-the-economy/ 🌐 https://www.ib.barclays/our-insights/five-forces-affecting-fixed-income-markets.html?cid=paidsearch-textads_google_google_themes_fixed-income_us_fixed-income
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College is Still Worth It - If You Plan Wisely
06/25/2025
College 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 hard way: how you pay for college matters just as much as where you go. Key Highlights: Why “ignorance is not an excuse” when it comes to student loan debt. The $365,000 medical school debt story - and what it teaches us. What most borrowers say they regret about college financing. The importance of making affordability a higher priority than reputation. How parents can help kids “think long term” when planning their future. Whether you’re planning for your child’s education or revisiting your own financial journey, this episode delivers the kind of clarity that cuts through the noise. For more insights or to connect with a PAX Financial Group advisor, visit . Like what you heard? Share this episode with a friend! Resources:
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Why Doing It Yourself Might Cost You More
06/18/2025
Why 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, and guidance matter when navigating your financial future. Show highlights include: What happened when a client chose DIY over working with an advisor. Three qualities a successful DIY investor must have. Common (and costly) DIY mistakes Darryl has seen firsthand. Why advisors act more like copilots and river guides than stock-pickers. A powerful reminder about the role of compounding and proper strategy at any age. For more insights or to connect with a PAX Financial Group advisor, visit . Like what you heard? Share this episode with a friend!
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Is Tokenization the Future of Investing?
06/11/2025
Is 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: • What tokenization means and how it works. • How blockchain technology supports this financial evolution. • Real-world examples, including Nas and Taylor Swift royalties. • What this could mean for individual investors - and the hurdles that still exist. • Why regulation and infrastructure are key to mainstream adoption. Darryl also shares personal stories from his early days as an ETF adopter, highlights the costs saved through innovation, and reflects on how tokenization might bridge the gap between consumers and ownership. For more insights or to connect with a PAX Financial Group advisor, visit www.PAXFinancialGroup.com. Like what you heard? Share this episode with a friend!
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Define the Date and Take the Next Step
06/04/2025
Define 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 of the episode include: Why “five years from now” is often more of a coping mechanism than a plan. Why defining your retirement date matters, and how to actually do it. Small but powerful first steps that move your plan forward (like healthcare and Social Security strategy). Why simplifying your life may be the smartest financial move you make. Whether you're five years out from retirement - or have been saying that for the last decade - this episode offers thoughtful insights to help you stop waiting and start planning. For more insights or to connect with a PAX Financial Group advisor, visit . Like what you heard? Share this episode with a friend!
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What the U.S. Credit Downgrade Means for Your Money
05/28/2025
What 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 dirty load of laundry.” Key highlights of the episode include: What the Moody’s downgrade means - and why it happened now. How it impacts stock and bond markets differently (and why the stock market already saw it coming). The connection between U.S. Treasury yields and rising mortgage rates. Why active bond management matters more in volatile conditions. The long-term perspective: why the U.S. is still the safest place for capital despite the headlines. Whether you're an investor, homeowner, or business owner, this episode offers a calm, candid take on a complex topic - helping you understand what really matters behind the noise. For more insights or to connect with a PAX Financial Group advisor, visit . Like what you heard? Share this episode with a friend!
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Discovery Is Not a Sales Pitch - It’s a Conversation
05/21/2025
Discovery 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 personal stories, lessons from past client experiences, and insights drawn from behavioral finance, this episode offers a valuable window into how the right discovery process sets the foundation for long-term success. Key highlights of the episode include: What a discovery meeting is really about - and how it differs from old-school sales tactics. Why the first question a good advisor asks isn’t “What do you have?” but “What do you want?” How behavioral finance tools like “Money Mind” and “Honest Conversations” help uncover what truly matters. The importance of including both spouses - and why trust, relief, and clarity are the true deliverables. How today’s advisors are thinking partners - not brokers, not salespeople - and why that distinction matters. Whether you’re looking to revisit your own financial goals or want to understand how PAX serves the people you refer, this episode reframes financial planning not as a product, but as a partnership rooted in values and vision. For more insights or to connect with a PAX Financial Group advisor, visit . Like what you heard? Share this episode with a friend!
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Lessons from Warren Buffett’s Playbook
05/14/2025
Lessons from Warren Buffett’s Playbook
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 offering insight into how value investing has evolved - and where it may still hold relevance in a fast-moving, AI-driven market. Key highlights of the episode include: • What really made Warren Buffett successful - and why focus, brilliance, and longevity matter. • The origins of Berkshire Hathaway and how it became a powerhouse holding company. • Why Buffett’s love of insurance companies fueled many of his smartest investments. • The difference between value and growth investing - and where you may fit. • How Buffett’s famous quotes reflect deeper truths about risk, reputation, and success. From reflections on Buffett’s personal life and ethics to the power of focus and time, this episode invites listeners to think more intentionally about their financial lives - and to consider how long-term thinking, not short-term wins, truly builds wealth and wisdom. For more insights or to connect with a PAX Financial Group advisor, visit www.PAXFinancialGroup.com. Like what you heard? Share this episode with a friend!
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Can We Save Social Security? What Every Retiree Needs to Know
05/07/2025
Can We Save Social Security? What Every Retiree Needs to Know
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 - and how thoughtful, long-term thinking can help you navigate decisions like when to claim benefits, how to plan for your spouse’s future, and what tax impacts to watch for. Key highlights of the episode include: • Why Social Security has been called a “Ponzi scheme” - and whether that label is fair. • The looming 2033 shortfall and what it could mean for benefit payouts. • Why investment policy (or the lack of it) in the Social Security trust fund matters so much. • The dangers of claiming benefits early without considering your spouse’s future. • How Social Security taxation really works - and the thresholds that affect you. Whether you’re already retired or getting close, this episode is designed to help you understand how Social Security impacts your financial picture - and what you can do now to make informed, confident decisions about your retirement income. For more insights or to connect with a PAX Financial Group advisor, visit . Like what you heard? Share this episode with a friend!
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Mutual Funds or ETFs? The Critical Differences Explained
04/30/2025
Mutual 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 them could be critical for your financial future. Key highlights of the episode include: • The origin of mutual funds, their human-driven decision-making, and the potential risks of overconcentration. • Why exchange traded funds (ETFs) offer lower costs, greater accessibility, and often outperform traditional mutual funds. • The behavioral traps of ETFs - including the temptation to panic-sell - and why discipline is key. • The truth about 401(k)s, IRAs, and how they simply serve as “wrappers” for your actual investments. • When actively managed mutual funds may still outperform passive index funds - and where an advisor can add real value. Whether you're debating between mutual funds and ETFs or simply want a better grasp of where your money is invested, this episode provides a thoughtful, accessible guide to making smarter investment choices - with an eye always on the bigger picture. For more insights or to connect with a PAX Financial Group advisor, visit . Like what you heard? Share this episode with a friend!
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The 4 Building Blocks of Every Investment Portfolio
04/23/2025
The 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 “safe” as it feels, and how innovations like private equity are reshaping the investment landscape. Most importantly, he challenges listeners to rethink risk, recognize the power of compounding, and stop letting fear keep money on the sidelines. Key highlights of the episode include: The four building blocks of any portfolio - and what each one really means for your future. The difference between growth and income stocks, and why mid-size companies may offer a “Goldilocks” sweet spot. What bonds are, how they pay you, and the hidden risks in both high-yield and investment-grade debt. Why cash loses value over time - and how behavioral biases cost investors more than they realize. How alternative investments like private equity and structured products are changing the game for everyday investors. Whether you’ve been in the market for decades or are still holding too much cash “just in case,” this episode helps reframe the investing conversation around clarity, confidence, and long-term thinking. For more insights or to connect with a PAX Financial Group advisor, visit . Like what you heard? Share this episode with a friend Resources:
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The Tariff Tug-of-War: What Investors Need to Know
04/16/2025
The 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 provides the insight you need to navigate today’s volatile market with more confidence. Key highlights of the episode include: • Four primary reasons tariffs are imposed - and what each means for your investments. • How political bias clouds the public discourse around trade and economic strategy. • The ripple effect of tariffs on companies like Tesla, Intel, and broader stock market behavior. • What history (and the Smoot-Hawley Act) teaches us about tariff backlash and economic recovery. • Why patience, perspective, and long-term thinking are essential in uncertain times. Whether you’re watching the headlines with concern or just wondering how it all ties back to your retirement plan, this episode offers grounded, big-picture thinking for today’s investors. For more insights or to connect with a PAX Financial Group advisor, visit . Like what you heard? Share this episode with a friend and remember - you think different when you think long term.
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The Five Types of Retirement - and How to Pivot Toward the Best One
04/09/2025
The 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. Key highlights of the episode include: The “four retirements” model, plus a bonus fifth, and how to tell which one you’re headed for. Why relationships matter just as much as money when it comes to long-term well-being. How to avoid becoming a financial burden to family or the system. What legacy planning really means - and how to start one even with modest resources. The surprising health benefits of feeling connected to a larger community. Whether you’re preparing for retirement or already living it, this episode offers practical and heartfelt wisdom for navigating the road ahead with clarity and purpose. For more insights and to connect with a PAX Financial Group advisor, visit . If this episode sparked some reflection, don’t forget to share it with a friend!
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The Divine Purpose of Work
04/02/2025
The 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 control. Key highlights of the episode include: • Why work isn’t just about making money, and how giving can transform your perspective. • The power of workplace connections and the unexpected moments that reveal human kindness. • How small acts of improvement and growth can make work more fulfilling. • The myth of control in our professional lives, and what it means to truly trust in the long game. • How reframing your understanding of work can lead to less anxiety and more purpose. If you’ve ever questioned the point of work, or found yourself weighed down by the day-to-day grind, this episode will offer a fresh and encouraging perspective. Whether you’re in the thick of your career or mentoring the next generation, Darryl’s message is a reminder that work, done with intention, can be one of the most meaningful parts of our lives. For more insights and to connect with a PAX Financial Group advisor, visit . If you found this episode encouraging, don’t forget to share it with a friend!
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Current Market Conditions: What Investors Should Know
03/26/2025
Current 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 the episode include: • Why the recent market correction isn’t cause for panic - and what history teaches us about rebounds. • The role of tariff policy in market volatility and why uncertainty is more damaging than the policies themselves. • A deeper look at inflation, the Federal Reserve’s strategy, and what it means for your wallet. • What to know about the upcoming expiration of the 2017 tax bill and how potential extensions could impact planning. • The significance of the debt ceiling debate - and why the U.S. Treasury market is still holding strong. • Why emotional investing can be dangerous and how staying diversified may be your best defense. This episode is your go-to update on the state of the market, delivered in a way that’s easy to understand and act on. If you're feeling uncertain about what’s next, Darryl offers calm, thoughtful insights to help you navigate what’s happening now - and keep an eye on the long term. For more insights and to connect with a PAX Financial Group advisor, visit . If you found this episode helpful, don’t forget to share it with a friend! Resources:
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The Case for International Stocks in Today’s Market
03/19/2025
The 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, 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. If you found this episode valuable, share it with someone who could benefit! Resources:
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Beyond the Numbers: The True Value of a Financial Advisor
03/12/2025
Beyond 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-term financial stability. • The dangers of chasing investment trends and why a slow, steady approach often wins the race. • Why strategic rebalancing and tax-efficient investing can lead to better financial outcomes. • How a well-structured portfolio - including core investments and satellite strategies - can balance risk and opportunity. A strong advisor-client relationship isn’t just about numbers, it’s about making informed, disciplined financial choices that align with your future goals. Whether it's avoiding costly mistakes, reducing tax burdens, or ensuring a lasting legacy, the right financial strategy can make all the difference. For more insights and to connect with a PAX Financial Group advisor, visit www.PAXFinancialGroup.com. If you found this episode valuable, share it with someone who could benefit! Resources:
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Redeeming Money: Aligning Faith and Finances
03/05/2025
Redeeming 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 investment strategies, including moral screening, impact investing, and corporate engagement. Why financial advisors and investors are taking a more intentional approach to where their money goes. The role of faith-based investing in driving positive change and advancing values-driven financial stewardship. Insights from the Redeeming Money Conference and how thousands of advisors are embracing this movement. Your money isn’t just a resource - it’s an opportunity to make a meaningful impact. Whether through avoiding harmful investments, supporting businesses that align with your beliefs, or advocating for change within companies, there are ways to integrate faith into financial decisions. For more insights and to learn how PAX Financial Group can help you align your finances with your values, visit . If you found this episode valuable, share it with someone who could benefit! Resource
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Avoid the Chaos: How a Will Protects Your Family & Assets
02/26/2025
Avoid the Chaos: How a Will Protects Your Family & Assets
In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, breaks down the critical topic of estate planning and why having a will is essential for protecting your legacy. Many people put off drafting a will, assuming they have time or that their estate isn’t complex enough to require one - but history shows that failing to plan can create unnecessary legal battles, tax burdens, and family disputes. Key highlights of the episode include: • The real-life consequences of not having a will, featuring case studies on Prince, Abraham Lincoln, Pablo Picasso, and Sonny Bono. • How probate works and why it can take years to settle an estate without a clear legal plan. • The impact of estate taxes and why high-net-worth individuals could lose up to 50% of their wealth without proper planning. • The roles of trustees, guardians, and corporate trustees in managing your estate effectively. • Practical steps to ensure your assets are distributed according to your wishes. Your will isn’t just a legal document, it’s a conversation about the future of your wealth and your family’s well-being. Don’t leave it to chance. For additional insights and to learn how PAX Financial Group can help guide your estate planning journey, visit . If you found this episode valuable, share it with someone who could benefit!
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Why Diversification Matters: Beyond the S&P 500
02/19/2025
Why Diversification Matters: Beyond the S&P 500
In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, explores the importance of diversification and why blindly following the S&P 500 may not be the best investment strategy. While many investors believe in a simple, passive approach, history has shown that overreliance on any single asset class can be risky - especially in unpredictable market cycles. Key highlights of the episode include: • Lessons learned from the Lost Decade (2000-2010) and how a stagnant S&P 500 impacted investors. • Why the four largest companies in the world in 1989 - based in Japan - led to a 30-year bear market. • The role of alternative investments such as private equity, private debt, and infrastructure in modern portfolios. • How PAX Financial Group approaches diversification to balance risk and opportunity in today’s market. For additional insights and to learn how PAX Financial Group can guide your financial journey, visit . If you enjoyed this episode, share it with someone who could benefit! Resources:
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The #1 Reason Investors Underperform - And How to Fix It
02/12/2025
The #1 Reason Investors Underperform - And How to Fix It
In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, uncovers the surprising ways investors sabotage their own success. Despite strong market performance, studies show that the average investor consistently underperforms - by as much as 5% per year. Why? Behavioral biases. Key highlights of the episode include: •The Dow Bar study’s shocking findings on why investors consistently earn 5% less than the market. •How overconfidence causes even successful professionals to make costly financial mistakes. •Why recency bias leads investors to chase trends and panic during downturns. •The impact of confirmation bias and how it keeps investors from seeing the full picture. •Real-world examples of billionaires, fund managers, and everyday investors who fell into these traps. For additional insights and to learn how PAX Financial Group can guide your financial journey, visit . If you enjoyed this episode, share it with someone who could benefit! Resources:
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The Power of Small-Cap Stocks: Hidden Opportunities in Your Portfolio
02/05/2025
The 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 up 5-15% of a portfolio. • The impact of interest rates on small caps and why rate cuts could create a tailwind for these stocks. • Why private equity is changing the small-cap landscape and what that means for investors. • Examples of small-cap companies that have grown into industry giants, like Monster Energy and Pilgrim’s Pride. • The pros and cons of investing in small caps, including their potential for high returns and their vulnerability to market swings. For additional insights and to learn how PAX Financial Group can guide your financial journey, visit . If you enjoyed this episode, share it with someone who could benefit! Resources:
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2025 Financial Convictions: Preparing for the Year Ahead
01/29/2025
2025 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% market pullback, driven by an unexpected and significant event. ● Insights on how diversification may lead to opportunities beyond the "Magnificent Seven" tech stocks. ● How the expiration of the Tax Cuts and Jobs Act (TCJA) could impact estate taxes, deductions, and planning strategies. ● How significant advancements in artificial intelligence will begin to reshape productivity and innovation across industries, with companies leveraging AI to achieve unprecedented efficiencies and create new opportunities for growth. For additional insights and to learn how PAX Financial Group can guide your financial journey, visit . If you enjoyed this episode, share it with someone who could benefit! Resources:
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The Art of Decisiveness: Making Better Financial Choices
01/22/2025
The 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) is crucial for sound investment decisions. ● The importance of asking better questions to uncover deeper insights for your financial strategy. ● Insights from Jim Collins’ Good to Great: quoting “Fire bullets, not cannons” for measured, thoughtful decision-making. ● The risks of overconfidence in investments, including myths about the U.S. dollar and diversification strategies. ● How to measure and manage downside risk effectively using tools like Monte Carlo analyses and structured products. For more insights and to explore how PAX Financial Group can guide you on your financial journey, visit . If you enjoyed this episode, share it with someone who could benefit! Resources:
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Patience Pays: Avoiding Costly Investment Mistakes
01/15/2025
Patience 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 managers can reduce risk. The critical role of due diligence in assessing underperforming assets or asset managers. Why switching "money lanes" prematurely is one of the most common and costly errors investors make. How PAX Financial Group remains loyal to clients by maintaining transparency and avoiding conflicts of interest. For more insights and to explore how PAX Financial Group can guide you on your financial journey, visit . If you enjoyed this episode, share it with someone who could benefit! Resources:
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The Complexity of Global Trade and What It Means for You
01/08/2025
The 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 into the Consumer Confidence Index and what declining numbers signal about the economy. Why diversification remains crucial in managing risk during uncertain times. Opportunities for innovation and strategic investment in a complex global market. Practical advice for overcoming fear and making sound financial decisions in a multifaceted environment. To learn more and explore how PAX Financial Group can help you navigate economic challenges, visit . If you found this episode helpful, share it with someone who might benefit! Resources:
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2025 Market Insights: What Investors Need to Know
12/18/2024
2025 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 investor or someone simply curious about where the economy may be headed, this discussion offers clarity and actionable takeaways. Key highlights of the episode include: The potential impact of tariffs, mass deportations, and trade dynamics on the US economy and inflation. Why small businesses remain optimistic despite inflationary challenges and how they drive job growth. The importance of domestic production, innovation, and unexpected market upsides. Insights into the housing market, affordability concerns, and the role of foreign labor in construction. Opportunities in stocks, small-cap companies, private credit, and international markets as we enter 2025. Practical advice for weathering market pullbacks and preparing for volatility in a shifting economic environment. To learn more and explore how PAX Financial Group can guide you through economic changes, visit . If you found this episode valuable, share it with someone else who might benefit! Resource:
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AI and Your Financial Future: What You Need to Know
12/11/2024
AI 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 the concept of AI, this discussion is packed with valuable takeaways for everyone. Key highlights of the episode include: The difference between artificial intelligence and generative AI, with examples of how they are shaping industries. How AI-powered tools like ChatGPT and voice simulation technology are redefining customer service and creative industries. Real-world applications of AI in financial services, including portfolio analysis, tax planning, and note-taking. The security threats posed by AI, from voice replication to data breaches, and how to protect yourself. Why AI represents the next major investment opportunity, and which industries are poised for growth in this new economy. Practical steps for exploring AI in your own life, from apps like Grammarly and Waze to experimenting with AI-powered chat tools. For more insights and to explore how PAX Financial Group can help you navigate the ever-changing financial environment, visit . If you enjoyed this episode, share it with someone who might find it useful! Resources:
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Advisory Council Insights: Building Better Financial Solutions Together
12/04/2024
Advisory 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 shares practical insights that can help you rethink your financial approach. Key highlights of the episode include: The surprising number of people who still don't have a financial advisor and the importance of seeking professional guidance. Why PAX Financial Group's multiple resources, including in-house legal counsel and strategic partnerships, offer clients a comprehensive approach to solving financial challenges. The challenge of balancing personalized care with business growth while maintaining that "family feel." How financial advisors are meant to be guides - not heroes - and why your financial success is rooted in the decisions you make. A look at how PAX Financial Group is tackling the challenge of engaging with younger generations and ensuring they receive the right financial advice. The concept of core-satellite portfolio investing and why diversification remains crucial in uncertain market times. For more insights and to connect with a financial advisor who can guide you through your financial journey, visit . If you found this episode helpful, be sure to share it with others who may benefit from it!
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