The Caprock Blueprint: A Richer, More Balanced Life with Dereck Blair
Welcome to The Caprock Blueprint: A Richer, More Balanced Life, hosted by Dereck Blair—Founder and President of Caprock Financial Group. Each episode features insightful clips from Dereck’s popular radio show, delivering practical conversations on retirement planning, tax strategies, life insurance, annuities, legacy building, and financial clarity.
Whether you're preparing for retirement, seeking to protect your assets, or simply want to live a more intentional and secure life, this podcast is your guide. Dereck breaks down complex financial topics into clear, actionable steps—empowering listeners with the knowledge to make informed decisions and live with purpose.
Subscribe now and tune in weekly for empowering financial wisdom, interviews with thought leaders, and real strategies to help you pursue a balanced and fulfilling retirement.
Learn more: www.caprockfinancialgroup.com
Contact us: dereck@caprockfinancialgroup.com | (806) 749-7870
The Caprock Blueprint: A Richer, More Balanced Life with Dereck Blair
Episode 6: Social Security, IRS Traps & Tax-Free Retirement — Featuring Insights on the One Big Beautiful Bill Act
Most retirees are shocked to learn their Social Security benefits may be taxed up to 85%—and that the IRS could become their largest, most silent retirement partner.
In this timely episode, Dereck Blair, President of Caprock Financial Group, unpacks the real-world impact of retirement tax policy—including insights from Becky Swansburg, CEO of Stonewood Financial, on the One Big Beautiful Bill Act, a sweeping U.S. tax and spending statute signed into law on July 4, 2025. This law outlines major components of President Donald Trump’s second-term agenda and could significantly affect how retirees structure income and taxes moving forward.
💬 Inside this episode, you'll learn:
✔️ How the IRS is quietly positioned to collect taxes on your Social Security benefits—and how to prepare
✔️ Where your Social Security tax dollars actually go (you may be surprised)
✔️ What the One Big Beautiful Bill Act could mean for retirees and future tax legislation
✔️ How Becky Swansburg’s in-depth analysis of the legislation is shaping proactive income planning
✔️ Which deductions retirees commonly lose—and how to avoid those losses through careful planning
Dereck also walks you through how his team uses clear, visual tools—like The Big Beautiful Bill tax illustration—to help families in West Texas better understand their true tax exposure and options.
📞 Call our office today at (806) 749-7870 to schedule your personal, in-office retirement review and learn how tax-smart planning could help you keep more of your hard-earned income.
🌐 Visit us online at: www.caprockfinancialgroup.com
🎧 Subscribe for weekly, down-to-earth retirement insights that put you back in control of your income, your plan, and your legacy.
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