In this week's episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, breaks down what Wall Street's biggest firms are predicting for 2026 - and what it could mean for your portfolio.

After reviewing market outlooks from BlackRock, Goldman Sachs, Schwab, Pimco, and more, Darryl shares a curated summary of the trends shaping the year ahead. From stock valuations and artificial intelligence to bonds, global markets, inflation, and alternative investments, this episode cuts through the noise to highlight key points that could matter for long-term investors.

Drawing from industry research and real-world context, Darryl walks through where opportunity may exist, where risks are building, and why diversification and thoughtful strategy matter more than ever in today's market environment.

Key highlights of the episode include:

·       Why U.S. stocks are historically expensive - and what that means for future returns.

·       How artificial intelligence is driving massive investment and reshaping global markets.

·       What falling interest rates could mean for bonds and fixed income strategies.

·       Why international markets like Japan and Germany are gaining renewed attention.

·       How inflation, tariffs, and policy decisions may influence market stability.

·       The growing role of real assets, infrastructure, and alternative investments.

If you've been wondering how to position your portfolio for 2026, this episode offers a clear framework for thinking through risk, opportunity, and long-term strategy. Whether you're concerned about market volatility, curious about AI's impact, or simply want a better understanding of what's ahead, Darryl provides perspective to help you make more informed decisions.

For more insights and to connect with a PAX Financial Group advisor, visit www.PAXFinancialGroup.com. If you found this episode helpful, consider sharing it with someone who's thinking about their financial strategy for the year ahead.

Resources: 

www.blackrock.com/corporate/literature/whitepaper/bii-global-outlook-2026.pdf

www.pimco.com/us/en/insights/charting-the-year-ahead-investment-ideas-for-2026

https://www.schwab.com/learn/story/stock-market-outlook

https://am.gs.com/en-us/advisors/insights/article/investment-outlook

www.capitalgroup.com/advisor/pdf/shareholder/MFCPBR-099-1046320.pdf

In this week's episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, takes a deeper look at why so many goals fail - and makes the case that it's not a lack of motivation, discipline, or strategy that holds us back, but a misunderstanding of suffering.

Using the backdrop of New Year's resolutions and goal-setting frameworks like SMART goals, Darryl explores why enthusiasm fades, why accountability alone often falls short, and why discomfort is an unavoidable, and necessary, part of meaningful growth. Drawing from personal stories, scripture, and real-world observations, this episode reframes suffering not as failure, but as a process that builds perseverance, character, and long-term hope.

Key highlights of the episode include:

• Why most goals fail despite strong intentions, clear plans, and accountability systems.
• How discomfort, delay, and inconvenience - not catastrophe, are often the true forms of suffering we avoid.
• Why embracing struggle can create stronger habits, deeper character, and more durable results.
• The importance of perspective when facing setbacks, and how understanding others' struggles can reframe our own.
• How community, collaboration, and shared accountability make suffering lighter and progress more sustainable.
• Why focusing on long-term outcomes, not short-term pain, is critical to lasting personal and financial growth.

If you've ever wondered why change feels harder than it should, or why progress stalls even when you "know what to do," this episode offers a powerful mindset shift. Whether your goals involve health, finances, relationships, or personal growth, Darryl's message is a reminder that growth rarely happens without discomfort - and that endurance, built over time, is what ultimately leads to hope.

For more insights and to connect with a PAX Financial Group advisor, visit www.PAXFinancialGroup.com. If this episode resonated with you, consider sharing it with someone who could use the encouragement.

Resources: 

www.thewealthadvisor.com/article/making-fortunes-and-letting-it-ride-13-new-year-investing-resolutions 

www.youtube.com/watch?v=TKVAGxoU2AM

www.ngpf.org/blog/question-of-the-day/question-of-the-day-what-percent-of-lottery-winners-eventually-go-bankrupt/ 

In this heartfelt episode of Retire in Texas, host Darryl Lyons, CEO and Co-Founder of PAX Financial Group, sits down with Dr. Marian Sokol, former CEO of the Children's Bereavement Center of South Texas, to explore how grief affects children - and how healing begins through connection, creativity, and compassion.

From art therapy to peer support groups, Dr. Sokol shares how the Bereavement Center has helped thousands of children and families navigate the pain of losing a loved one. She also discusses the center's outreach in Uvalde, its school-based counseling programs, and how volunteers and donors play a vital role in sustaining its mission offered free of charge to families.

Key Highlights:

• How the Children's Bereavement Center supports children ages 3-23 through grief and trauma.
• Why expressive arts therapy helps kids process pain they can't express in words.
• The Center's work in Uvalde and response to community-wide tragedies.
• How families can volunteer, donate, or participate in programs.
• The emotional and financial importance of wills, organization, and long-term planning. 

If you or someone you know is coping with loss - or wants to help others who are - learn more at www.cbcst.org or call (210) 736-4847.

Listen to more episodes here: https://PAXFinancialGroup.com/podcasts 

If you benefitted from today's episode, feel free to share it with your family and friends.

In the final installment of this three-part series, Darryl Lyons, CEO & Co-Founder of PAX Financial Group, takes a deeper look at the widely discussed predictions of a potential market downturn in 2030. Rather than leaning into fear, headlines, or doomsday forecasts, Darryl breaks down the four major forces that many believe could collide: government spending, inflation, demographic shifts, and a potential AI bubble.

Darryl also discusses the "Chicken Little" voices that have been calling for market catastrophe for decades, spotlighting the dangers of linear thinking, pessimistic modeling, and predictions that ignore innovation, human behavior, and historical resilience. With a practical and level-headed approach, he discusses why long-term investors often benefit from focusing less on fear and more on building durable plans designed to navigate uncertainty.

In this episode, Darryl covers:

• The four "cars in the intersection" that fuel 2030 crash predictions.

• Why pessimists are rarely held accountable for bad forecasts.

• How linear thinking skews market narratives.

• The potential risks behind government spending and demographics.

• Why AI could be transformative - even if parts of it become a bubble.

• Five practical steps for navigating uncertainty.

If you missed Parts I and II, be sure to go back and listen so you can follow the full conversation from start to finish.

Listen to more episodes here: https://PAXFinancialGroup.com/podcasts

If you enjoyed today's episode, share it with your family and friends!

Resources:

The State of the Federal Budget: From Tariff Revenue to Deficits and DOGE Cuts - WSJ

What Will the World Look Like After the 2030s Great Depression?

Boom or bubble: How long can the AI investment craze last?

This Is How the AI Bubble Will Pop - Derek Thompson

How the Great Inflation of the 1970s Happened

Here's What Experts Say It Will Take to Fix Social Security | The Motley Fool

The Collapse of Medicare Is Happening Faster Than Expected - The Winston Group

Goldman Sachs Strategist: No Stock Market Bubble, Yet | The WealthAdvisor

Is the "2030 Depression" really inevitable - or just overhyped?

In this continuation of his three-part series, Darryl Lyons, CEO & Co-Founder of PAX Financial Group, dives deeper into the predictions surrounding a potential economic downturn and examines the four "vehicles" that could collide to create it: government spending, inflation, demographic trends, and the AI bubble.

Building on Part 1's historical parallels, Darryl unpacks how rising national debt, compounding inflation, shrinking birth rates, and market speculation around artificial intelligence are shaping today's financial landscape. Using his "traffic light" analogy, he illustrates how these forces might intersect - and what that could mean for investors and everyday Americans alike.

Whether you're concerned about what's ahead or simply trying to separate fact from fear, this episode encourages you to question the doomsday narratives, stay informed, and maintain a long-term perspective grounded in wisdom and clarity.

Key Highlights from the Episode

•           The "four cars at the intersection" driving economic risk: government spending, inflation, demographics, and AI.

•           How compounding inflation is widening the gap between the "haves" and "have nots."

•           Why declining birth rates and aging leadership may create long-term economic pressure.

•           The warning signs of an AI-driven market bubble - and lessons from the dot-com era.

•           Why fear and greed still dictate market behavior - and how to stay grounded amid uncertainty.

Listen to more episodes: https://PAXFinancialGroup.com/podcasts

If you enjoyed today's episode, share it with your family and friends!

In this 200th-episode special of Retire in Texas, Darryl Lyons, CEO & Co-Founder of PAX Financial Group, begins a three-part series exploring why some economists are discussing the potential for a future downturn, and what history can teach us about investor behavior during times of uncertainty.

From the fall of Rome to the Great Depression to today's evolving economy, Darryl connects four powerful influences - government spending, inflation, demographics, and technology - and discusses how these forces interact to shape long-term economic outcomes. He also examines how optimism and pessimism affect investor psychology and what it means to stay steady when headlines predict doom.

If you've ever wondered whether history is repeating itself - or how to stay grounded when headlines predict doom - this episode offers clarity, perspective, and practical insights to help you think long-term.

Key Highlights from the Episode

-Why predictions of a "2030 Depression" are gaining attention.

-Optimists vs. pessimists: how each influences investor behavior.

-Lessons from history: Rome's collapse and the Great Depression.

-Why history doesn't repeat itself - but it often rhymes.

-What gives U.S. currency its resilience, and how trust plays a role in economic stability.

Listen to more episodes: https://PAXFinancialGroup.com/podcasts

If you enjoyed today's discussion, share it with family and friends!

Where should you retire in Texas? 

In this week's episode of Retire in Texas, CEO and Co-Founder of PAX Financial Group, Darryl Lyons, shares his top five towns for retirement in the Lone Star State. From the lakes of Marble Falls to the fast-growing hub of New Braunfels, Darryl explains what makes each community stand out and why the Texas Triangle is such an important region to consider.

He explores how healthcare access, lifestyle variety, airports, and cost of living all factor into retirement decisions - while highlighting the unique character of each Texas Hill Country town. Whether you're drawn to wine country, artsy retreats, or bustling small cities, this episode offers insights to help you think long-term about where to retire in Texas.

Show Highlights:
•    Why the Texas Triangle is central to retirement planning in Texas.
•    The importance of healthcare access, cost of living, and airport proximity.
•    How lifestyle and culture vary across the Texas Triangle's communities.
•    The countdown of the top five retirement towns.
•    Why New Braunfels is one of the fastest-growing retirement destinations in the U.S.

For more resources, visit PAXFinancialGroup.com.

If you enjoyed today's episode, share it with your family and friends!

In this episode of Retire in Texas, host Darryl Lyons, CEO and Co-Founder of PAX Financial Group, sits down with Steve Mack, Regional President of Liberty Capital Bank. Steve brings more than 40 years of banking experience, including three decades as CEO of Texas Heritage Bank, to discuss the recent merger with Liberty Capital Bank and what it means for Texas communities.

 They explore:

• The challenges and opportunities of merging two community banks.
• How community banks differ from big banks in culture, relationships, and lending.
• Why personal relationships still matter in today's financial system.
• How the FDIC and IntraFi network protect deposits - even beyond the $250,000 limit.
• The role of community banks in supporting small businesses and local economies.
• How local banks stay competitive with interest rates while offering face-to-face service.

 If you've ever wondered about the safety of community banks, the difference between local and big-bank lending, or how mergers impact customers, this episode provides clear and practical insights.

 Listen now and learn why, when it comes to banking, life moves at the speed of relationships.

 If you enjoyed today's episode, share it with your family and friends!

 The investment products and services offered by PAX are independent of the products and services offered by Liberty Capital Bank and are not FDIC insured, may lose value, are not bank guaranteed and are not insured by any federal or state government agency. Investment products and services are offered by appropriately licensed investment advisor representatives, subject to the general oversight and authority of PAX. 

In this heartfelt episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, is joined by guest Charles Garcia for a powerful conversation reflecting on the life, faith, and legacy of Charlie Kirk.

Darryl shares the story of PAX's national strategic relationship with Charlie, how it came to be, and the impact it had on the PAX family. Together, Darryl and Charles discuss the heart of Evangelism, the courage it takes to be obedient to God's calling, and how figures like Charlie stand on the shoulders of those who came before - missionaries, preachers, and ordinary believers whose faith sparked revival across the world.

This episode explores themes of grief, hope, and revival, offering encouragement to see tragedy as a catalyst for deeper faith and greater intentionality in our own lives. From stories of Jim Elliot and John Paton to the everyday practice of "stacking pancakes" in gratitude, listeners are reminded of the eternal perspective that shapes how we live and lead today.

Whether you knew Charlie Kirk personally or simply want to be encouraged by his story, this episode will leave you inspired to be bold, obedient, and faithful in your own journey.

In this week's episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, continues his two-part series on the core financial principles that have guided his career, his clients, and his community.

Building on last week's first ten principles, Darryl shares principles 11 through 20 - covering why retirement should be a pivot into purpose, why your net worth is a scorecard (not your identity), and why the market behaves like a child with a yo-yo on an escalator. He also discusses the healthy tension between focus and diversification, the importance of taking responsibility for your own money, and why investing in yourself often produces the greatest return.

Other key takeaways include:

• The underrated power of compound interest and patience.

• Why paying taxes doesn't mean leaving a "tip."

• How thinking long term changes not just your finances, but your health, family, and legacy.

Whether you're planning for retirement, building your business, or simply trying to stay grounded, these timeless lessons may help you see money - and life - with greater clarity, purpose, and peace.

If you enjoyed today's episode, be sure to share it with a friend or family member!

Resource: 

https://www.quiriniwealthgroup.com/documents/FG/quirini/insights/635982_sP_write_up-Revised.__SQ.pdf

Everyone has rules of thumb they live by when it comes to money, but are yours helping you or holding you back? In this week's episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, shares the first 10 of his 20 guiding money principles that influence how he makes financial decisions for himself, his family, and his clients.

Show Highlights:
• Why an emergency fund should cover 3-6 months of expenses, not income.
• How your spending and giving habits reveal what truly matters to you.
• The two most reliable paths to wealth: starting a business or saving early and often.
• Key rules of thumb on saving rates, home affordability, and retirement withdrawal strategies.
• How a "legacy bucket" can help retirees balance growth, generosity, and peace of mind.
• What just $150 a month could mean for your child's future college costs.

Whether you're just starting out, in the middle of your career, or already retired, these principles can serve as a foundation to help you make wiser money choices and think long term.

If you enjoyed today's episode, be sure to share it with a friend or family member!

Rising health insurance costs are squeezing household budgets - especially for families and those not yet on Medicare. In this week's episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, breaks down the differences between traditional health insurance and medical cost sharing programs and how each can impact cash flow between ages 62 and 65.

Show Highlights:

• The 2025 cost picture: premiums and out-of-pocket trends families are feeling.
• Traditional insurance vs. cost sharing: deductibles vs. IUAs, "premiums" vs. "shares," and how reimbursement works with cash pay.
• Networks and access: why many sharing programs don't use networks - and what that means at the doctor's office.
• Coverage nuances: preventive care, preexisting conditions, and when ACA plans may be a better fit.
• Faith-based vs. non-faith options: examples like Samaritan Ministries, Medi-Share, Christian Healthcare Ministries, and Sedera.

Whether you're still working, planning to retire before 65, or helping adult children evaluate coverage, this episode offers practical insights to compare traditional insurance with medical cost sharing and make a more informed decision for your situation.

If you enjoyed today's episode, be sure to share it with a friend or family member!

Resource:

https://www.usatoday.com/story/graphics/2025/06/16/how-much-does-insurance-cost-2025-family-of-four/84149201007/

In this week's Greatest Hits edition 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.

As we wrap up 2025, 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!

Roth IRAs have been around since 1997, but many people still have questions about how they work and whether they make sense for their retirement strategy. In this week's episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, unpacks the power of Roth IRAs and how they differ from traditional IRAs.

Show Highlights:

• The difference between marginal and effective tax rates - and why it matters for Roth contributions and conversions.
• Real stories of how retirees and pre-retirees have used Roth conversions to reduce future tax burdens.
• Key considerations before converting, including cash needs, Medicare IRMAA surcharges, and tax brackets.
• The impact of Roth IRAs on estate planning and how they can benefit the next generation.
• Contribution limits for 2025 and how Roth 401(k)s compare to Roth IRAs.

Whether you're just starting out, approaching retirement, or thinking about legacy planning, this episode will give you practical insights into how a Roth IRA may fit into your overall financial plan.

If you enjoyed today's episode, be sure to share it with a friend or family member!

In this week's episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, shares practical strategies for protecting yourself from identity theft. From freezing your credit to creating stronger passwords and monitoring your accounts regularly, Darryl walks through clear, actionable steps you can take to help reduce the risk of fraud.

Along the way, Darryl highlights real-life examples and common scams, helping you stay aware and proactive in safeguarding your finances.

Show highlights include:
• Three preventative measures to help reduce the likelihood of ID theft.
• How freezing your credit works and when to consider it.
• Tips for creating stronger, harder-to-guess passwords.
• Why two-factor authentication can add an extra layer of protection.
• Key steps to take immediately if you experience fraud.
• Resources like identitytheft.gov and credit bureau fraud alerts.

Whether you're looking to better protect yourself, help a loved one, or simply stay informed, this episode offers valuable insight into minimizing the impact of fraud and keeping your personal information more secure.

In today's episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, explores a timely question: Is the economy actually doing better than we think?

While pessimism often dominates the news cycle, this episode highlights five key indicators that suggest economic resilience in 2025 - and what that means for long-term investors.

Darryl breaks down:

-Why employment trends may be stronger than they appear - even with recent layoffs.

-How recent corporate earnings from companies such as Nvidia, Microsoft, and Meta have been interpreted as signals of underlying strength.

-The real-world impact of AI in business and how it's driving profitability and efficiency.

-What investors should understand about tariffs, trade policy, and global supply chains.

-How recent deregulation is giving companies room to grow and innovate.

If you've been wondering, "Should I still be investing right now?" or "What economic data actually matters?" - This episode offers thoughtful perspective.

Tune in to gain clarity, filter through the noise, and make informed decisions rooted in your values and the broader economic landscape.

Resources:

https://www.morningstar.com/economy/job-growth-slowed-may-labor-market-remains-healthy-now 

https://www.deloitte.com/us/en/insights/topics/economy/spotlight/US-labor-market-US-headline-numbers.html 

https://abcnews.go.com/Business/trumps-tariffs-achieved-experts-weigh/story?id=123859218

In this week's episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, sits down with PAX Financial Advisor Haley Wall for a heartfelt discussion on the emotional and financial challenges faced by widows.

Drawing from real-life experiences and her work as a certified Loss of Life Advocate, Haley explains how widows can regain clarity and make informed financial decisions after a loss. From navigating life insurance and estate documents to avoiding predatory scams and understanding Social Security's widow blackout period, this episode offers practical guidance and emotional insight.

Key highlights include:

• The first financial step every widow should take - pause.
• Why widows are often targeted by scammers and opportunists.
• The importance of updating wills, beneficiaries, and medical directives.
• How the widow's Social Security blackout period works - and how to prepare.
• The emotional weight of stewardship and honoring a spouse's legacy.
• Available community resources, including grief counseling and support groups.

Whether you're navigating widowhood yourself or supporting someone who is, this episode offers both compassion and direction.

For more support, visit PAXFinancialGroup.com or contact Haley directly at Haley@PAXFG.com.

In this heartfelt episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, sits down with fellow PAX advisor David Alvarez to discuss a deeply personal and often overlooked financial planning topic - supporting families who have children or loved ones with disabilities.

David shares his own journey into financial services, shaped by his family's background and a career that began at the peak of economic uncertainty. Now a key member of the PAX team, David has developed a specialized focus on serving families navigating the complex realities of long-term disability planning.

Together, Darryl and David explore:
• How David's passion for serving families with special needs began.
• The emotional and financial toll of long-term illness or disability.
• Key planning tools like ABLE accounts and Special Needs Trusts.
• The importance of acting on important, but not always urgent, financial tasks.
• How PAX's "Honest Conversations" methodology helps both spouses find clarity and peace of mind.

Whether it's planning for a child with autism, preparing for future medical expenses, or simply figuring out where to start, this episode offers real-world guidance for those walking a challenging path.

If you or someone you know is navigating life with a loved one who has special needs, don't miss this episode. And remember - you think different when you think long term.

Learn more or reach out at PAXFinancialGroup.com.

In this week's episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, sits down with Roger Stukkie - Certified Financial Planner™, Certified Kingdom Advisor®, and Financial Advisor at PAX - for a thought-provoking conversation about the intersection of faith and finances.

From biblical definitions of generosity to real-world giving strategies, this episode dives into steps you can take to be both a Christian and a steward of your financial resources. Darryl and Roger explore how aligning your money mindset with your faith can lead to deeper fulfillment, more intentional giving, and long-term impact.

Key Highlights Include:
• The difference between becoming a Christian and living as one - especially when it comes to money.

• Why generosity is more about stewardship than sacrifice.

• How to overcome skepticism and give with confidence (even if you don't fully trust the organization).

• Checks and balances in nonprofit financials and how to evaluate them.

• Two tax-efficient giving strategies every faith-driven investor should know: QCDs and donor-advised funds.

Whether you're a faith-forward investor or simply exploring how your values align with your financial life, this episode offers practical tools and spiritual insight to help guide your giving.

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, 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:
https://www.justfactsdaily.com/50-examples-of-fake-news-in-2024 

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

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 www.PAXFinancialGroup.com.

Like what you heard? Share this episode with a friend!

Resources:

New SoFi Report Uncovers the Biggest Challenge in Financing Higher Education: Understanding the True Cost

About Dr. Riley – College App 101

Scholarships for College: Find and Apply Online for Free | Going Merry

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 www.PAXFinancialGroup.com.

Like what you heard? Share this episode with a friend!

 In this week's episode of Retire in Texas, Darryl Lyons explores one of the most overlooked drivers of long-term financial success: behavior. Rather than focusing on market performance or investment selection, Darryl breaks down why the way we think, communicate, and make decisions could potentially have a greater impact on outcomes than the strategies we choose.

Darryl begins by reflecting on his own journey into behavioral finance and how studying the intersection of psychology, neuroscience, and traditional finance reshaped his perspective on the role of a financial advisor. That realization sets the foundation for today's discussion: helping individuals and families make rational decisions amid uncertainty, stress, and emotional noise.

He breaks the episode into several key themes:

• Why behavioral finance matters, and how emotional decision-making can potentially outweigh stock selection or asset allocation over time.

• The role of a financial advisor as a "thinking partner," especially during periods of volatility or life transitions.

• A real-world example of a couple who had strong financial habits but struggled to move forward because they approached money from different emotional and personality frameworks.

• How personality differences can create conflict around money, and why spreadsheets alone often fail to resolve those challenges.

• An introduction to the Enneagram as a practical personality tool that can help couples, families, and teams develop a shared language around money.

• A walkthrough of the nine Enneagram types, including common financial tendencies, strengths, and blind spots associated with each.

Darryl connects self-awareness, communication, and behavioral insight to show how understanding personality may reduce conflict, improve clarity, and support more intentional long-term planning - both financially and relationally.

If you benefited from today's episode, share it with a friend or family member!

This episode provides general educational information only and is not intended to provide specific investment, tax, or legal advice.

Resource:

https://www.truity.com/test/enneagram-personality-test 

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!

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 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, 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 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, 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 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, 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!

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 explores one of the most significant economic shifts happening in our state: the creation of the Texas Stock Exchange - and what this means for business owners, investors, and the long-term financial landscape of Texas.

Darryl begins by sharing a personal story from a recent trip to New York with his daughter, reflecting on how Wall Street has changed over time and how electronic trading has transformed the markets. That reflection sets the stage for today's discussion: the movement of major financial infrastructure away from New York and into Texas.

He breaks the episode into several key themes:

•        Why "Y'all Street" is becoming a reality, including how the Texas Stock Exchange - backed by BlackRock and Citadel - represents a major shift in where capital markets operate.

•        How ESG policies contributed to this moment, and why regulatory burdens pushed many companies to seek a more business-friendly environment.

•        How Texas prepared for this growth, from specialized business courts to economic development incentives that attracted Fortune 100 companies like Oracle and Tesla.

•        The culture factor, including why some Texas cities - especially San Antonio - may limit their own growth unintentionally due to strong family-centric values.

•        How access to capital unlocks expansion, using PAX as an example of how a company with a strong mission might scale when the right financial pathways exist.

•        What the Texas exchange could mean for your investments, including why more homegrown Texas companies going public could eventually strengthen 401(k)s and IRAs across the state.

Darryl connects the dots between local business culture, economic development, and national capital markets to show how transformative this shift could be - not just for corporations, but for everyday Texans who invest for retirement.

If you benefitted from today's episode, share it with a friend or family member!

This episode provides general educational information only and is not intended to provide specific investment, tax, or legal advice.

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%20\t%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 episode of Retire in Texas, Darryl Lyons and PAX Financial Advisor Greyson Hanna take listeners through the emotional, practical, and behavioral realities that business owners face when preparing to transition out of their companies. Drawing on years of advising entrepreneurs - and personal experience from a family of business owners - Darryl explains why selling a business is far more than a financial transaction.

They break the conversation into the six phases of PAX Financial Group's business transition process:

• Phase Zero: Understanding the Owner and Spouse, including personal history, sacrifices, communication styles, and behavioral tools like the Enneagram to uncover motivations and priorities.

• Phase One: Business Discovery & Exit Readiness Assessment, where owners begin evaluating industry dynamics, operational gaps, and qualitative questions that often seem simple - but prove surprisingly difficult to answer.

• Phase Two: Valuation Preparation, helping owners gather the information needed for an equity estimate that provides a directional view of their company's worth rather than relying on guesswork.

• Phase Three: Honest Conversations & Risk Review, inviting both spouses into discussions about fears, expectations, long-term goals, and the emotional impact of stepping away from the business.

• Phase Four: Strategy & Buyer Fit, covering potential internal and external buyers, tax considerations, tradeoffs, and the importance of allowing enough runway - often years, not weeks - to position the business properly.

• Phase Five: The "Wheel of Life" Transition, where owners begin planning purpose, meaning, and fulfillment beyond the sale, ensuring they enter retirement with clarity, stability, and a vision for how they want to spend their time.

If you know a business owner preparing for their next chapter, feel free to share this episode with them!

This episode provides general educational information only and is not intended to provide specific investment, tax, or legal advice. 

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