What's the difference between a Traditional IRA and Roth IRA? Steve talks about the best time to do a Roth conversion and how to pass down your Roth IRA tax efficiently!  <a href="http://hoylfinancial.com/">Call Steve today for a Portfolio Review!  </a>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.

Should you pay off your mortgage before retiring?

For over 30 years, Steve has worked tirelessly to craft personalized, high-quality financial services to a diverse group of clients at all income levels. As a lifelong resident of the Texas Panhandle, Steve has a unique insight into the passions, motivations and concerns of his client. It’s this connection with his community — alongside more than three decades of industry experience — that allows Steve to create retirement strategies that are as unique as his clients and the place they live.