Podcast appearances and mentions of darryl lyons

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 www.PAXFinancialGroup.com. Like what you heard? Share this episode with a friend!

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 www.PAXFinancialGroup.com. Like what you heard? Share this episode with a friend!

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 www.PAXFinancialGroup.com. Like what you heard? Share this episode with a friend Resources: What Are The Historical Returns For Stocks, Bonds, Gold, Real Estate, And Cash? (Asset Class Returns) - QuantifiedStrategies.com S&P 500 Annual Total Return Yearly Analysis: S&P 500 Returns | YCharts Annualized Returns By Asset Class From 1999 to 2018 Historical and expected returns - Bogleheads

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 www.PAXFinancialGroup.com. Like what you heard? Share this episode with a friend and remember - you think different when you think long term.

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 www.PAXFinancialGroup.com. If this episode sparked some reflection, don't forget to share it with a friend!

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 www.PAXFinancialGroup.com. If you found this episode encouraging, don't forget to share it with a friend!

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 www.PAXFinancialGroup.com. If you found this episode helpful, don't forget to share it with a friend! Resources: https://www.foxnews.com/category/us/immigration Do Government Shutdowns Affect the Stock Market?  The debt ceiling is back on the table for 2025. Here's what happens next.  https://apnews.com/article/stocks-markets-rates-tariffs-trump-669605bbde01213a2d43ea80ed8af103 https://markets.businessinsider.com/news/stocks/goldman-sachs-europe-china-markets-benefiting-us-rout-decouple-outlook-2025-3?utm_source=chatgpt.com%22%20t%20%22_blank

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: Investing | international stock outlook | Fidelity  Could Emerging-Markets Stocks Outperform US Stocks? | Morningstar  Morningstar India Index 

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: Putting a value on your value: Quantifying Vanguard Advisor's Alpha dont-miss-best-days.pdf

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 www.PAXFinancialGroup.com. If you found this episode valuable, share it with someone who could benefit! Resource https://www.nytimes.com/2025/02/26/us/christianity-us-religious-study-pew.html 

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 www.PAXFinancialGroup.com. If you found this episode valuable, share it with someone who could benefit!

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 www.PAXFinancialGroup.com. If you enjoyed this episode, share it with someone who could benefit! Resources: Amazon.com: The Allocator's Edge: A modern guide to alternative investments and the future of diversification: 9780857197931: Huber, Phil, Asness, Clifford: Books

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 www.PAXFinancialGroup.com. If you enjoyed this episode, share it with someone who could benefit! Resources: Keys to Financial Success and how Behavioral Tendencies can Impact... Is It Safer to Travel by Car or Plane? A Comprehensive Safety Comparison for Travelers  DALBAR Releases 30th Annual QAIB Report  How Investors Are Costing Themselves Money  5 Behavioral Biases That Affect Investing Decisions 

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 www.PAXFinancialGroup.com. If you enjoyed this episode, share it with someone who could benefit! Resources: 10 of the Best Small-Cap Stocks to Buy Today | Morningstar  (9) Have the insatiable private markets eaten the small cap effect? | LinkedIn  The Cross‐Section of Expected Stock Returns - FAMA - 1992 - The Journal of Finance - Wiley Online Library  StepStone PowerPoint Presentation Template_Jan 2024  The stars appear aligned for small caps  The best and worst Small Growth funds 

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 www.PAXFinancialGroup.com. If you enjoyed this episode, share it with someone who could benefit! Resources: Housing Market Predictions For 2025: When Will Home Prices Drop? – Forbes Advisor Trump wants to fix the housing affordability crisis: Can he? | Fox Business About - The Hotel Guide Moore's Law Texas' Main Voucher Bill This Chart Shows How Often Stock Market Corrections Occur | Money Travel 2025: The Forecast on Pricing is Mixed - The New York Times

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 www.PAXFinancialGroup.com. If you enjoyed this episode, share it with someone who could benefit! Resources: Mitch on the Markets The Strong Dollar's Impact on Markets and Economy in 2025 Decisive: How to Make Better Choices in Life and Work

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 www.PAXFinancialGroup.com. If you enjoyed this episode, share it with someone who could benefit! Resources: https://www.carsongroup.com/insights/blog/the-real-message-behind-missing-the-best-market-days-chart/ www.eventide.com https://www.thewealthadvisor.com/article/stock-markets-momentum-poised-shift-2025?mkt_tok=NjY2LVBIQS05NTgAAAGX4cJOvDMCrG-KdOpyw4xXagyLXAXeKV2TRrwjkkeRiR4mkA5jC6oavlNp9NpnnLAdLFVk00VA0D2DC5YMPz7nJau5SeYkRqCiO347 https://drive.google.com/file/d/14GhhPcotO_CFqa8tTgOhgGlt3TMjjDLc/view?usp=sharing

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 www.PAXFinancialGroup.com. If you found this episode helpful, share it with someone who might benefit! Resources: Opinion: Trump is right on tariffs, here's why Americans Are Less Confident About Where The US Economy Is Headed | The WealthAdvisor

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 www.PAXFinancialGroup.com. If you found this episode valuable, share it with someone else who might benefit! Resource: 2025 Schwab Market Outlook | Schwab Funds

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 www.PAXFinancialGroup.com. If you enjoyed this episode, share it with someone who might find it useful! Resources: make Travis' first song in almost a decade -- a song called, "Where That Came From." Artificial intelligence - Machine Learning, Robotics, Algorithms | Britannica AI Trends 2025 | Info-Tech Research Group Why you won't find many options if you're looking for AI gifts How artificial intelligence helped country music icon Randy Travis get back his renowned singing voice

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 www.PAXFinancialGroup.com. If you found this episode helpful, be sure to share it with others who may benefit from it!

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 provides valuable insights to optimize your retirement plan. Key highlights of the episode include: Understanding the rules, including recent changes to RMD ages, and how they affect your tax obligations. Exploring Roth IRAs, qualified charitable distributions (QCDs), and how to balance traditional and Roth accounts for long-term tax efficiency. Insights on the 10-year rule for non-spouse beneficiaries, trust considerations, and how to avoid unintended tax consequences for your heirs. Breaking down calculations, life expectancy tables, and why your December 31 balance plays a critical role. Common pitfalls like missed RMDs, understanding IRS codes, and how to ensure proper reporting. For more resources and to connect with a financial advisor who can help you plan your retirement with confidence, visit www.PAXFinancialGroup.com. If you found this episode helpful, share it with someone preparing for retirement! Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm. References: 2023 Publication 590-B

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 avoid "bad" companies, disrupt corporate behavior, or simply work with an advisor who honors your faith, this episode has something for everyone. Key highlights of the episode include: Understanding the avoid and embrace philosophy, which focuses on excluding companies with practices contrary to biblical values while supporting companies that align with those principles. Exploring the influence and disrupt approach, which leverages shareholder voting power to advocate for positive change within companies. Learning about the give and support mindset, where the priority is working with a firm that aligns with Judeo-Christian values and supports strategic charitable giving, such as tithing or legacy planning. Addressing challenges like navigating ethical dilemmas, implementing donor-advised funds, and leveraging technology to identify company practices. Biblical insights into money management, drawn from over 2,000 scriptures, to help listeners align their finances with their faith. For more resources and to connect with a financial advisor who shares your values, visit www.PAXFinancialGroup.com. If you enjoyed this episode, share it with a friend who might find it inspiring! Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm. References: Why I Was Skeptical of Faith-Based Investing — and What Changed My Mind - Eventide Center for Faith & Investing  Voters anchorage can protect womens privacy ballot initiative British pro-life advocate again arrested for ‘thoughtcrime' of silent prayer near abortion clinic  The Dangers of the Equality Act | The Heritage Foundation Anti-Christian hate rising in Europe: From job firings to arson to murders - The Lion Why I Was Skeptical of Faith-Based Investing — and What Changed My Mind - Eventide Center for Faith & Investing

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 that align with their financial goals. Key highlights of the episode include: Darryl recommends Going Mary as a resource for finding scholarships and navigating the competitive world of college funding. An explanation of the debt snowball method, focusing on paying off smaller debts first to build momentum and consistency. Insights on the potential effects of an unrealized gains tax on investors and how it might impact portfolio strategies. Examining the proposed $25,000 down payment assistance for first-time buyers, noting the benefits and potential drawbacks. Financial tips for military families preparing for retirement, emphasizing debt reduction, cash reserves, and the Survivor Benefit Plan. For more resources and to connect with a financial advisor, visit www.PAXFinancialGroup.com. If you found this episode helpful, consider sharing it with a friend or family member! Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

In 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 into meaningful contributions. • The concept of “guru,” someone who brings others from “darkness to light,” and why everyone can be a leader in their own circle. • Practical tips for fostering a culture of curiosity and growth within your community. Tune in to reflect on your own leadership potential and gain insights on how to positively influence others. If you enjoyed this episode, be sure to share it with friends, family, or anyone interested in growing as a leader! Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.  

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 build a secure future. From saving 15% of income during the accumulation phase to "stress-testing" finances for different scenarios in retirement, he presents actionable steps to address potential gaps in retirement plans. Key highlights of the episode include: Understanding the factors behind America's retirement crisis and the common challenges faced by retirees. Insights into building a financially secure future, including Darryl's 15% rule for retirement savings. The importance of “stress-testing” retirement funds to prepare for unexpected life changes. Practical advice on navigating Social Security uncertainties and maximizing 401(k) contributions. Darryl's perspectives on financial security and retirement planning, rooted in over 20 years of experience. For more resources, visit www.paxfinancialgroup.com. If you found this episode helpful, be sure to share it with a friend! Resources: Voters 50+ Share Their Candidate Preferences and Top Issues for 2024 in These Battleground Surveys No Matter How We Measure It, There's No Retirement Crisis | American Enterprise Institute - AEI  Republicans and Democrats agree: America faces a retirement crisis  Social Security, Medicare benefits at risk with looming shortfalls  Addressing the Nation's Retirement Crisis    Disclosure: Testimonials are based on unique experiences from current clients and are not representative of all client experiences. Testimonials are (un)solicited and no cash or non-cash compensation was paid for such testimonials. Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

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 of the state and the bond that unites Texans. From the challenges of traffic and infrastructure to the expansion of high-paying job opportunities, Darryl breaks down why Texas remains a smart bet for businesses and families alike. Key show highlights include: The population boom in Texas and its impact on the economy. A closer look at the Texas Triangle and its role in attracting major companies like Tesla, Oracle, and Apple. How industries like oil, natural gas, technology, and alternative energy are shaping Texas' future. Darryl's personal experiences growing up in Texas and how the state's unique culture plays into its success. Insights into infrastructure projects like the I-35 Capital Express and how they aim to accommodate the state's rapid growth. Tune in to explore why betting on Texas is a smart decision for anyone considering a move or investment in the Lone Star State. For more resources, visit www.paxfinancialgroup.com. If you enjoyed today's episode, don't forget to share it with a friend! Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

In 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 clear framework for navigating election-related market swings. Key show highlights include: How elections impact stock market volatility. The importance of thinking like a business owner when investing. Why objectivity over emotion is critical to long-term financial success. Insights from past elections, including market movements in 2016 and 2020. Practical tips for aligning expectations with your spouse and advisor to stay on the same page during market fluctuations. Tune in to learn how to prepare your portfolio for the upcoming election and beyond. For more resources, visit www.paxfinancialgroup.com. If you enjoyed today's episode, don't forget to share it with a friend! Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm. Resources:  Election Market Volatility in 4 Charts (moneyandmarkets.com)  Presidential Elections, Market Volatility and Investments - Retirement Daily on TheStreet: Finance and Retirement Advice, Analysis, and More  The Relationship Between Elections and Volatility - OpenMarkets (cmegroup.com)  2024 elections: policy shifts and portfolio construction views (nuveen.com) 

In 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 future. The episode also emphasizes how PAX Financial stays ahead of these trends to better serve clients preparing for retirement. Key show highlights include: Understanding Medicare Supplements vs. Medicare Advantage Plans. Why Social Security might face more immediate financial challenges than Medicare. The impact of demographic shifts, with 10,000 people turning 65 every day, on the future of retirement services. Practical tips for navigating Medicare decisions as a retiree or for aging parents. Justin's key takeaway: “Be prepared to navigate a system that's constantly changing to ensure the best healthcare coverage.” Tune in to learn how these changes could affect your retirement and what steps you can take to stay informed. For more resources, visit www.paxfinancialgroup.com. If you enjoyed today's episode, don't forget to share it with a friend! Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

In 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 Financial continues to engage with BlackRock while monitoring their evolving strategies. Key show highlights include: The role of BlackRock as a major asset manager and its relationship with global governments. How ESG initiatives and climate-focused investing have impacted investors. The story behind BlackRock's involvement in major events such as the 2008 financial crisis and the Covid-19 response. The implications of BlackRock's voting rights on behalf of investors in major corporations. A behind-the-scenes look at how PAX Financial engages with BlackRock for client portfolios. Darryl's key takeaway: "Trust but verify" when it comes to BlackRock's investment strategies. Tune in to hear Darryl's perspective on BlackRock's future and what it means for your investments. For more resources, visit www.paxfinancialgroup.com. If you enjoyed today's episode, don't forget to share it with a friend! Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm. Resources: Who owns Blackrock? | The Motley Fool  https://www.economist.com/briefing/2024/09/19/america-is-becoming-less-woke?utm_campaign=a.the-economist-today&utm_medium=email.internal-newsletter.np&utm_source=salesforce-marketing-cloud&utm_term=9/23/2024&utm_id=1926435  Blackrock's former sustainable investing chief says ESG is a dangerous placebo (cnbc.com)  2024 Investment Stewardship Voting Spotlight (blackrock.com) 

In 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 Fed is truly independent from the presidency, and how its decisions affect your investment journey. Whether you're a seasoned investor or someone just beginning to explore the financial world, this episode provides a clear and engaging roadmap to better understand the central bank's crucial influence. Key show highlights include: An introduction to the Federal Reserve and its key functions in the U.S. financial system. The Fed's dual mandate: controlling inflation and maximizing employment. How the Fed's interest rate decisions impact everyday investors and the broader economy. Historical moments in the Fed's history, from the Panic of 1907 to the 2008 financial crisis. Insights into past and present Fed Chairs, including Alan Greenspan, Ben Bernanke, and Jerome Powell. Practical takeaways on how understanding the Fed can help you make smarter, long-term investment decisions. Tune in to learn how the Federal Reserve shapes your financial future and gain a better understanding of its influence on both the stock market and the economy. For more resources, visit www.paxfinancialgroup.com. If you enjoyed today's episode, don't forget to share it with a friend! Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

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 traps.  Key show highlights include:  The concept of behavioral finance and its impact on investment decisions.  Personal stories of financial missteps, from herd mentality to overconfidence.  How mistakes in investment decisions can turn into invaluable learning experiences.  Cognitive biases to watch out for in your own financial journey.  Practical advice on how to avoid common pitfalls and make smarter, long-term investment decisions.  Tune in to learn how to recognize and correct these biases in your financial life, and gain insights into how these lessons can help you achieve a more secure financial future. For more resources, visit www.paxfinancialgroup.com. If you enjoyed today's episode, share it with a friend!  Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm. 

In 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: A breakdown of alternative asset classes such as guns, sports cards, and wine. How the political and economic landscape impacts the liquidity and value of these assets. Insights into the rate of return, fraud risks, and storage considerations in alternative markets. Practical advice on how to incorporate these assets into your financial plan without overexposing yourself to risk. Why traditional investments remain essential and how to strike a balance between conventional and alternative assets. Tune in to this episode to gain a better understanding of how alternative assets can play a role in your financial journey, without losing sight of your long-term goals. For more resources, visit www.paxfinancialgroup.com. If you enjoyed today's episode, share it with a friend! Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

Episode 105!  What a great conversation with Darryl Lyons! Darryl tells his story of coming from humble beginnings in a trailer park before rising to the heights of success in the financial world.  Along the way, Darryl faced hardship, struggle and loss.  He found his own will and mental toughness would only get him so far.  At one low point, Darryl heard God say to him "Are you done yet?  You're living a life I didn't plan for you."  Wow - to hear such words!  How would you receive a message like that?  Darryl turned to a friend who introduced him the Fruit of the Spirit and dialing into God's plan for him.  Darryl is now on Dave Ramsey's Advisory Council, he's had a park named after him in San Antonio, and he's published four books, the most recent of which is titled, "Biblical Responsible Investing".  An incredible and inspiring story from a humble leader.  Tune in and enjoy!  ===========================================================================Connect with Darryl Lyons here:Website: https://paxfinancialgroup.com/LinkedIn: Darryl Lyonshttps://www.linkedin.com/in/darrylwlyons/Book: "Biblical Responsible Investing" on Amazonhttps://a.co/d/fBu34WCThanks for listening! Eric Sardina Executive Life Coaching Feeling stuck, empty or out-of-sync at work, at home, or in your relationships? As a business and life coach, I help individuals work through these feelings towards authentic lives of meaning and purpose. I also work with organizations to optimize their teams and individual contributors. Interested in working with me or learning more? Connect with me below: Website: https://www.ericsardina.com - book a free, 15-minute strategy session. https://calendly.com/ericsardina/8-session-authentically-you-discovery-call-website-linkFollow me on: Instagram: @Eric_sardina26.2 Facebook: Eric SardinaLinkedIn: https://www.linkedin.com/in/ericsardina/ Affiliate: LMNT hydration drink mix: get a free sample pack with your first order by using this link: http://elementallabs.refr.cc/ericsardina

In 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 retirement and why "pivoting" might be a better approach. A conversation about the unique financial challenges facing Generation X. The connection between work, happiness, and personal well-being. The importance of saving for unforeseen life events, rather than just traditional retirement. A historical perspective on Social Security and its relevance to today's longevity trends. Tune in for an insightful discussion that challenges the conventional narrative around retirement and offers practical advice for planning your financial future. If you like this episode, be sure to share with a friend or family member! Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

In 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 higher purpose. Key show highlights include: A thought-provoking approach to reassessing your life's direction and purpose. Insights from Abraham Lincoln's leadership and how they apply to modern life challenges. A simple yet effective framework for planning your future with intention and clarity. The role of faith and values in guiding life decisions and financial planning. Practical advice on aligning your financial goals with your long-term vision. Tune in to this introspective episode filled with historical insights, personal stories, and actionable steps to help you navigate your life's journey with purpose and confidence. For more resources, visit www.paxfinancialgroup.com. If you enjoyed today's episode, share it with a friend! Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

In 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 firsthand account of navigating market panic while on vacation. *Insights into the historically volatile nature of October and how to prepare for it. *An analysis of the upcoming election and its potential impact on different sectors. *The significance of diversification and stress-testing portfolios in uncertain times. *Practical advice for long-term investors to stay grounded during market turbulence. Tune in for an engaging episode filled with personal anecdotes, valuable market insights, and practical tips for staying the course in your financial journey. For more resources, visit www.paxfinancialgroup.com. If you enjoyed today's episode, share it with a friend! Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

In 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 investment planning. *An overview of simple investment strategies like passive index ETFs. *An introduction to alternative investments and their benefits. *Insights into Bryan's background and his role at PAX Financial Group. *Personal anecdotes and a glimpse into Bryan's hobbies and family life. Tune in to gain valuable insights and practical advice for navigating your financial journey. Don't forget to visit www.paxfinancialgroup.com for more resources and information. Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

“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 buckets of pivot planning, including comfortable cash, emergency funds, and legacy investments.   *A discussion on the principles of behavioral finance and how they are integrated into pivot planning for a more personalized approach.   *Understanding the importance of a cash flow worksheet and how it helps retirees maintain financial stability.   *Valuable insights into how retirees can better organize their finances to navigate the complexities of retirement.   Retirement should not be looked at as the end of something, but rather as an exciting new beginning. Tune into this week's episode to learn how you can pivot into a new chapter of your life with confidence and ease. Be sure to share with a friend, family member, or coworker! Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

In 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 children's education and setting up wills and trusts.  *Why frequent check-ins with your financial advisor are crucial for staying on track with your financial goals. *An exploration of the dynamics of trust between clients and financial advisors.  *A sneak peek into Darryl's new podcast, which will explore the darker aspects of the financial world, highlighting stories of financial crime and deception. This new series aims to raise awareness and promote vigilance among listeners. Tune in to this week's episode to gain a deeper understanding of the value of a trusted financial advisor and how they can help you navigate financial challenges. If you enjoyed today's episode, please leave a comment and share the show with a friend! Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

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 ADF's work on pregnancy care centers and their fight against censorship and vandalism. *Real-life examples of parental rights being defended in school settings and the broader implications for families. *Insights into how ADF supports individuals and organizations facing discrimination based on their religious beliefs. Tune in to this week's episode to gain a deeper understanding of the vital role of Alliance Defending Freedom in protecting free speech and religious liberties. If you enjoyed today's episode, please leave a comment and share the show with a friend! Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

In 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 trends, the health of banks, and the performance of companies beyond the prominent "Magnificent Seven." *Discussions on the implications of conflicts in Ukraine and Israel, and the potential impact on the markets. *Observations on how political developments, including the upcoming election, might affect investor sentiment and market behavior. Tune in to this week's episode to gain valuable perspectives on navigating today's financial environment and visit PAXFinancialGroup.com for more resources. If you enjoyed today's episode, make sure to leave a comment and share the show with a friend! Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

In 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, distrust of professionals, and the reluctance to seek help. *The significance of loving one's work, avoiding negative influences, and maintaining a positive reputation. *Practical advice on shifting from a scarcity mentality to an abundance mindset, and the importance of investing and long-term thinking. Darryl's candid insights aim to help listeners identify and change the poor mindset, fostering better financial habits and outcomes. Tune in to gain a deeper understanding of how your thoughts influence your financial health, and visit PAXFinancialGroup.com for more resources. If you enjoyed today's episode, make sure to leave a comment and share the show with a friend! Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

Have 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. *Insightful analogies and personal anecdotes to illustrate the relationship between faith and finance. *In-depth discussion on the moral and philosophical implications of prioritizing money over spiritual values. *Practical advice on integrating faith-based principles into financial planning and investment strategies. Darryl's thought-provoking insights aim to challenge conventional thinking and inspire listeners to re-evaluate their financial priorities through a faith-based lens. Tune in to gain a deeper understanding of how your beliefs can shape your financial future, and visit PAXFinancialGroup.com for additional resources, including our free eBooks. If you enjoyed today's episode, make sure to leave a comment and share the show with a friend! Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

In 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. *How to methodically and safely transition to more promising investment areas. Darryl's insights aim to empower you to handle investment setbacks with strategic foresight. Tune in to unlock the secrets of maintaining control over your financial future, and visit PAXFinancialGroup.com for additional resources, including our free eBooks. If you enjoyed today's episode, make sure to leave a comment and share the show with a friend! Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

In 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 Dobelli, who shares 15 reasons why news is dangerous and offers practical advice on how to detox from it. *The impact of news on cognitive errors, concentration, and overall well-being. *Tips for reducing news consumption and focusing on more meaningful and productive activities. Tune in to learn how cutting down on news and social media can lead to a more focused, less anxious, and more fulfilling life. If you enjoyed today's episode, make sure to leave a comment and share the show with a friend! Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.  

In 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 purpose beyond leaving the workforce. Discover how tools like Honest Conversations and MoneyMind help align financial plans with personal values and priorities. An in-depth look at Money Guide Pro, its features like the Play Zone, and the importance of accurate data inputs and Monte Carlo simulations in forecasting retirement success. Jacob's perspective on measuring success in retirement and the freedom to make choices that align with personal goals and values. If you enjoyed today's episode, make sure to leave a comment and share the show with a friend!  Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

In 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. *An exploration of the spiritual dimensions of excellence, drawing from biblical references such as Ecclesiastes and the parable of the talents, and how the pursuit of excellence can be a way to honor and glorify God. *How excellence can elevate entire organizations and communities, and why complacency can have detrimental effects. *A breakdown of how a commitment to excellence helps you weather life's storms and maintain resilience.  Tune in to gain valuable insights and practical advice on how to pursue excellence in every aspect of your life. If you enjoyed today's episode, make sure to leave a comment and share the show with a friend! Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

Owning 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 investing in stocks and owning companies, highlighting the tangible benefits. *Real-world examples of innovative companies, such as Align Technology and Fortinet, and their contributions to the investment landscape. *Examining the potential of companies like Garmin in the fitness industry, especially with the rise of obesity drugs and health trends. If you enjoyed today's episode, make sure to leave a comment and share the show with a friend! Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.

In 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 explores strategic planning, readiness assessment, business valuation, contingency planning, and life-after-business considerations. Today's show highlights include: *Understanding the significance of 401(k) plans for both employees and business owners. *Insights into the challenges and rewards of entrepreneurship shared by Jon FitzSimon, drawing from personal experiences. *Detailed explanation of PAX's Business Pivot Planning service and its role in facilitating smooth business transitions. *Anecdotes and stories that underscore the importance of holistic retirement planning beyond financial aspects. If you enjoyed today's episode, be sure to comment and share it with a friend! Disclaimer: Clicking the Like button does not constitute a testimonial for, recommendation or endorsement of our advisory firm, any associated person, or our services. Clicking the Like button is merely a mechanism to circulate our social media page. “Like” is not meant in the traditional sense. In addition, postings must refrain from recommending us or providing testimonials for our firm.