Hux Capital Management

Hux Capital Management We serve anyone in need of financial guidance
Investments, retirement, estate planning, & more We are different! Investing involves the risk of loss.

We will spend as much time as you want in learning about various retirement planning strategies, as well as, any other investment opportunities you may be looking for. We want you to clearly understand the plan we have prepared for you. And after we implement your plan, you can expect to receive the highest level of service in the industry. Investment advisory and financial planning services are o

ffered through Simplicity Wealth, LLC, an SEC-registered investment adviser. SEC registration does not constitute an endorsement of the firm nor does it indicate that the adviser has attained a particular level of skill or ability. Insurance, Consulting and Education services offered through Hux Capital Management. Hux Capital Management is a separate and unaffiliated entity from Simplicity Wealth. "Clicking the "Like" button does not constitute a testimonial for or endorsement of our investment advisory firm, any associated person, or our services. Clicking the "Like' button is merely a mechanism to circulate our page. "Like" is not meant in the traditional sense. In addition, postings to our page must refrain from recommending us or providing testimonials for our investment advisory firm. Because the SEC and state securities regulators generally prohibit testimonials, any such postings are subject to swift removal.

The jobs report was strong.The Fed decision is close to a coin flip.And the 10-year Treasury just hit a 52-week high.๐Ÿ‘€ H...
09/09/2026

The jobs report was strong.

The Fed decision is close to a coin flip.

And the 10-year Treasury just hit a 52-week high.

๐Ÿ‘€ Here's what's driving markets this week โ€” and what we're watching Friday when CPI drops. Click the link for the full breakdown ๐Ÿ‘‡
https://huxcapitalmanagement.com/post/weekly-market-update-september-8-2026

๐˜•๐˜ฐ๐˜ต ๐˜ช๐˜ฏ๐˜ท๐˜ฆ๐˜ด๐˜ต๐˜ฎ๐˜ฆ๐˜ฏ๐˜ต ๐˜ข๐˜ฅ๐˜ท๐˜ช๐˜ค๐˜ฆ. ๐˜š๐˜ฆ๐˜ฆ ๐˜ง๐˜ถ๐˜ญ๐˜ญ ๐˜ฅ๐˜ช๐˜ด๐˜ค๐˜ญ๐˜ฐ๐˜ด๐˜ถ๐˜ณ๐˜ฆ๐˜ด ๐˜ข๐˜ต ๐˜ญ๐˜ช๐˜ฏ๐˜ฌ.

09/07/2026

Retiring soon? Here's what most people get wrong about their 401(k). ๐Ÿ‘€

Before you make any moves, there are a few key things worth comparing first.

Comment "401K" below and I'll send you a full breakdown to help you decide what makes the most sense for your situation. ๐Ÿ‘‡

09/03/2026

A Roth conversion isn't about avoiding taxes altogether. It's about deciding when you pay them.

Pay now, at a rate you know. Or pay later, at a rate you don't. That's the real trade-off, and the right answer depends on your current tax bracket, what you expect it to look like in retirement, and how a conversion could affect things like Medicare premiums.

There's no one-size-fits-all answer here. This is exactly why it's worth running the numbers before you convert anything.

We break down when a Roth conversion makes sense (and when it doesn't) in our article: https://huxcapitalmanagement.com/post/what-you-need-to-know-about-roth-conversions

Most people have a will. Few have a legacy plan, and the difference can mean years of delays and a meaningfully smaller ...
08/28/2026

Most people have a will. Few have a legacy plan, and the difference can mean years of delays and a meaningfully smaller inheritance for the people you care about most.

One outdated beneficiary designation can override your entire will. Without proper titling or a trust, an estate can spend 9-18 months in probate. And under the SECURE Act's 10-year rule, most non-spouse heirs of an inherited IRA must empty it within a decade, often forcing large withdrawals at the worst possible tax rates.

For families with more complexity, the margin for error only grows. Coordinating your estate plan with the rest of your financial picture isn't optional at that point, it's the plan.

We built a 10-point Estate Planning Checklist covering beneficiary designations, trust structures, and estate tax exposure.

Download our guide now right here: https://huxcapitalmanagement.com/estate--legacy-planning-checklist

08/26/2026

Chasing returns in retirement may cost you more than you think ๐Ÿ‘€

Many retirees measure success by what their portfolio earns. But for affluent families, the real number that matters is what you actually keep after taxes.

The problem: different retirement accounts are taxed in different ways, and pulling from the wrong ones at the wrong time can quietly trigger a cascade of unintended consequences.

Think higher tax brackets, unexpected Medicare premium surcharges, and a smaller lifetime income than your portfolio balance suggests.

Distribution strategy is the part of retirement planning that often gets the least attention, and it's frequently the most expensive oversight.

Watch this video to understand why a coordinated withdrawal strategy could be one of the most valuable moves you make in retirement.

Want to go deeper on how retirement account taxation works? We broke it down here: https://huxcapitalmanagement.com/post/taxesdontretire

08/24/2026

Financial planning should leave you feeling informed, not overwhelmed.

We appreciate Martha sharing her experience with Randy and our team. Taking the time to answer questions and explain financial decisions in plain language is an important part of how we work at Hux Capital Management.

If youโ€™re thinking about retirement and want a clearer understanding of your options, weโ€™re here to have that conversation without pressure.

๐˜”๐˜ข๐˜ณ๐˜ต๐˜ฉ๐˜ข ๐˜ช๐˜ด ๐˜ข ๐˜ค๐˜ถ๐˜ณ๐˜ณ๐˜ฆ๐˜ฏ๐˜ต ๐˜ค๐˜ญ๐˜ช๐˜ฆ๐˜ฏ๐˜ต ๐˜ฐ๐˜ง ๐˜๐˜ถ๐˜น ๐˜Š๐˜ข๐˜ฑ๐˜ช๐˜ต๐˜ข๐˜ญ ๐˜”๐˜ข๐˜ฏ๐˜ข๐˜จ๐˜ฆ๐˜ฎ๐˜ฆ๐˜ฏ๐˜ต. ๐˜•๐˜ฐ ๐˜ค๐˜ฐ๐˜ฎ๐˜ฑ๐˜ฆ๐˜ฏ๐˜ด๐˜ข๐˜ต๐˜ช๐˜ฐ๐˜ฏ ๐˜ธ๐˜ข๐˜ด ๐˜ฑ๐˜ณ๐˜ฐ๐˜ท๐˜ช๐˜ฅ๐˜ฆ๐˜ฅ ๐˜ง๐˜ฐ๐˜ณ ๐˜ต๐˜ฉ๐˜ช๐˜ด ๐˜ต๐˜ฆ๐˜ด๐˜ต๐˜ช๐˜ฎ๐˜ฐ๐˜ฏ๐˜ช๐˜ข๐˜ญ. ๐˜๐˜ฆ๐˜ณ ๐˜ฆ๐˜น๐˜ฑ๐˜ฆ๐˜ณ๐˜ช๐˜ฆ๐˜ฏ๐˜ค๐˜ฆ ๐˜ฎ๐˜ข๐˜บ ๐˜ฏ๐˜ฐ๐˜ต ๐˜ฃ๐˜ฆ ๐˜ณ๐˜ฆ๐˜ฑ๐˜ณ๐˜ฆ๐˜ด๐˜ฆ๐˜ฏ๐˜ต๐˜ข๐˜ต๐˜ช๐˜ท๐˜ฆ ๐˜ฐ๐˜ง ๐˜ฆ๐˜ท๐˜ฆ๐˜ณ๐˜บ ๐˜ค๐˜ญ๐˜ช๐˜ฆ๐˜ฏ๐˜ตโ€™๐˜ด ๐˜ฆ๐˜น๐˜ฑ๐˜ฆ๐˜ณ๐˜ช๐˜ฆ๐˜ฏ๐˜ค๐˜ฆ ๐˜ข๐˜ฏ๐˜ฅ ๐˜ช๐˜ด ๐˜ฏ๐˜ฐ๐˜ต ๐˜ข ๐˜จ๐˜ถ๐˜ข๐˜ณ๐˜ข๐˜ฏ๐˜ต๐˜ฆ๐˜ฆ ๐˜ฐ๐˜ง ๐˜ง๐˜ถ๐˜ต๐˜ถ๐˜ณ๐˜ฆ ๐˜ณ๐˜ฆ๐˜ด๐˜ถ๐˜ญ๐˜ต๐˜ด.

๐˜๐˜ฏ๐˜ท๐˜ฆ๐˜ด๐˜ต๐˜ฎ๐˜ฆ๐˜ฏ๐˜ต ๐˜ข๐˜ฅ๐˜ท๐˜ช๐˜ด๐˜ฐ๐˜ณ๐˜บ ๐˜ข๐˜ฏ๐˜ฅ ๐˜ง๐˜ช๐˜ฏ๐˜ข๐˜ฏ๐˜ค๐˜ช๐˜ข๐˜ญ ๐˜ฑ๐˜ญ๐˜ข๐˜ฏ๐˜ฏ๐˜ช๐˜ฏ๐˜จ ๐˜ด๐˜ฆ๐˜ณ๐˜ท๐˜ช๐˜ค๐˜ฆ๐˜ด ๐˜ข๐˜ณ๐˜ฆ ๐˜ฐ๐˜ง๐˜ง๐˜ฆ๐˜ณ๐˜ฆ๐˜ฅ ๐˜ต๐˜ฉ๐˜ณ๐˜ฐ๐˜ถ๐˜จ๐˜ฉ ๐˜š๐˜ช๐˜ฎ๐˜ฑ๐˜ญ๐˜ช๐˜ค๐˜ช๐˜ต๐˜บ ๐˜ž๐˜ฆ๐˜ข๐˜ญ๐˜ต๐˜ฉ, ๐˜“๐˜“๐˜Š, ๐˜ข๐˜ฏ ๐˜š๐˜Œ๐˜Š-๐˜ณ๐˜ฆ๐˜จ๐˜ช๐˜ด๐˜ต๐˜ฆ๐˜ณ๐˜ฆ๐˜ฅ ๐˜ช๐˜ฏ๐˜ท๐˜ฆ๐˜ด๐˜ต๐˜ฎ๐˜ฆ๐˜ฏ๐˜ต ๐˜ข๐˜ฅ๐˜ท๐˜ช๐˜ด๐˜ฆ๐˜ณ. ๐˜š๐˜Œ๐˜Š ๐˜ณ๐˜ฆ๐˜จ๐˜ช๐˜ด๐˜ต๐˜ณ๐˜ข๐˜ต๐˜ช๐˜ฐ๐˜ฏ ๐˜ฅ๐˜ฐ๐˜ฆ๐˜ด ๐˜ฏ๐˜ฐ๐˜ต ๐˜ค๐˜ฐ๐˜ฏ๐˜ด๐˜ต๐˜ช๐˜ต๐˜ถ๐˜ต๐˜ฆ ๐˜ข๐˜ฏ ๐˜ฆ๐˜ฏ๐˜ฅ๐˜ฐ๐˜ณ๐˜ด๐˜ฆ๐˜ฎ๐˜ฆ๐˜ฏ๐˜ต ๐˜ฐ๐˜ง ๐˜ต๐˜ฉ๐˜ฆ ๐˜ง๐˜ช๐˜ณ๐˜ฎ ๐˜ฏ๐˜ฐ๐˜ณ ๐˜ฅ๐˜ฐ๐˜ฆ๐˜ด ๐˜ช๐˜ต ๐˜ช๐˜ฏ๐˜ฅ๐˜ช๐˜ค๐˜ข๐˜ต๐˜ฆ ๐˜ต๐˜ฉ๐˜ข๐˜ต ๐˜ต๐˜ฉ๐˜ฆ ๐˜ข๐˜ฅ๐˜ท๐˜ช๐˜ด๐˜ฆ๐˜ณ ๐˜ฉ๐˜ข๐˜ด ๐˜ข๐˜ต๐˜ต๐˜ข๐˜ช๐˜ฏ๐˜ฆ๐˜ฅ ๐˜ข ๐˜ฑ๐˜ข๐˜ณ๐˜ต๐˜ช๐˜ค๐˜ถ๐˜ญ๐˜ข๐˜ณ ๐˜ญ๐˜ฆ๐˜ท๐˜ฆ๐˜ญ ๐˜ฐ๐˜ง ๐˜ด๐˜ฌ๐˜ช๐˜ญ๐˜ญ ๐˜ฐ๐˜ณ ๐˜ข๐˜ฃ๐˜ช๐˜ญ๐˜ช๐˜ต๐˜บ. ๐˜๐˜ฏ๐˜ท๐˜ฆ๐˜ด๐˜ต๐˜ช๐˜ฏ๐˜จ ๐˜ช๐˜ฏ๐˜ท๐˜ฐ๐˜ญ๐˜ท๐˜ฆ๐˜ด ๐˜ต๐˜ฉ๐˜ฆ ๐˜ณ๐˜ช๐˜ด๐˜ฌ ๐˜ฐ๐˜ง ๐˜ญ๐˜ฐ๐˜ด๐˜ด. ๐˜๐˜ฏ๐˜ด๐˜ถ๐˜ณ๐˜ข๐˜ฏ๐˜ค๐˜ฆ, ๐˜ค๐˜ฐ๐˜ฏ๐˜ด๐˜ถ๐˜ญ๐˜ต๐˜ช๐˜ฏ๐˜จ, ๐˜ข๐˜ฏ๐˜ฅ ๐˜ฆ๐˜ฅ๐˜ถ๐˜ค๐˜ข๐˜ต๐˜ช๐˜ฐ๐˜ฏ ๐˜ด๐˜ฆ๐˜ณ๐˜ท๐˜ช๐˜ค๐˜ฆ๐˜ด ๐˜ข๐˜ณ๐˜ฆ ๐˜ฐ๐˜ง๐˜ง๐˜ฆ๐˜ณ๐˜ฆ๐˜ฅ ๐˜ต๐˜ฉ๐˜ณ๐˜ฐ๐˜ถ๐˜จ๐˜ฉ ๐˜๐˜ถ๐˜น ๐˜Š๐˜ข๐˜ฑ๐˜ช๐˜ต๐˜ข๐˜ญ ๐˜”๐˜ข๐˜ฏ๐˜ข๐˜จ๐˜ฆ๐˜ฎ๐˜ฆ๐˜ฏ๐˜ต. ๐˜๐˜ถ๐˜น ๐˜Š๐˜ข๐˜ฑ๐˜ช๐˜ต๐˜ข๐˜ญ ๐˜”๐˜ข๐˜ฏ๐˜ข๐˜จ๐˜ฆ๐˜ฎ๐˜ฆ๐˜ฏ๐˜ต ๐˜ช๐˜ด ๐˜ข ๐˜ด๐˜ฆ๐˜ฑ๐˜ข๐˜ณ๐˜ข๐˜ต๐˜ฆ ๐˜ข๐˜ฏ๐˜ฅ ๐˜ถ๐˜ฏ๐˜ข๐˜ง๐˜ง๐˜ช๐˜ญ๐˜ช๐˜ข๐˜ต๐˜ฆ๐˜ฅ ๐˜ฆ๐˜ฏ๐˜ต๐˜ช๐˜ต๐˜บ ๐˜ง๐˜ณ๐˜ฐ๐˜ฎ ๐˜š๐˜ช๐˜ฎ๐˜ฑ๐˜ญ๐˜ช๐˜ค๐˜ช๐˜ต๐˜บ ๐˜ž๐˜ฆ๐˜ข๐˜ญ๐˜ต๐˜ฉ.

Wishing a very Happy birthday to the man behind Hux Capital Management!Randy leads with faith, cares deeply about people...
08/23/2026

Wishing a very Happy birthday to the man behind Hux Capital Management!

Randy leads with faith, cares deeply about people, and has never believed that financial planning should be only about numbers. His heart has always been to help families live well, worry less, and feel more prepared for whatโ€™s ahead.

Weโ€™re grateful for his vision, his leadership, and the way he shows up for our clients, our team, and the people he loves.

Happy birthday, Randy. We hope this next year brings plenty of good food, good conversations, time outdoors, and all the things that matter most.

Iโ€™ve always believed that if Iโ€™m going to help families navigate one of the most important parts of their financial live...
08/21/2026

Iโ€™ve always believed that if Iโ€™m going to help families navigate one of the most important parts of their financial lives, I have a responsibility to keep learning.

Recently, I had the opportunity to join a small group of advisors in Boston for a meeting hosted by our partners at Annexus. The event brought together industry leaders to discuss a range of topics impacting the future of financial planning, from market trends and innovation to the growing role of artificial intelligence.

One of the highlights was meeting economist Benjamin Shiller and receiving a copy of his new book on AI and economics. It was a great opportunity to hear his perspective on how emerging technologies may influence the economy and the financial services industry in the years ahead.

The biggest takeaway for me wasnโ€™t the event itself. It was the opportunity to bring fresh ideas and new perspectives back to our practice. Every conversation like this helps us think more critically, stay ahead of change, and continue providing thoughtful guidance to the families who trust us.

Learning never stops, and neither does our commitment to serving our clients well.

Ever been shown an indexed universal life (IUL) policy and walked out still not totally sure how it works? You're not al...
08/18/2026

Ever been shown an indexed universal life (IUL) policy and walked out still not totally sure how it works? You're not alone.

We put together a plain-English guide to how IULs actually grow: the 0% floor, the caps and participation rates, and what those "volatility-controlled index" options really mean.

Educational, jargon-free, and no sales pitch.

Give it a read: https://huxcapitalmanagement.com/post/indexed-universal-life-returns-index-options
๐˜๐˜ฎ๐˜ข๐˜จ๐˜ฆ ๐˜ช๐˜ด ๐˜ข ๐˜ฉ๐˜บ๐˜ฑ๐˜ฐ๐˜ต๐˜ฉ๐˜ฆ๐˜ต๐˜ช๐˜ค๐˜ข๐˜ญ ๐˜ช๐˜ญ๐˜ญ๐˜ถ๐˜ด๐˜ต๐˜ณ๐˜ข๐˜ต๐˜ช๐˜ฐ๐˜ฏ ๐˜ฐ๐˜ฏ๐˜ญ๐˜บ ๐˜ง๐˜ฐ๐˜ณ ๐˜ฅ๐˜ฆ๐˜ฎ๐˜ฐ๐˜ฏ๐˜ด๐˜ต๐˜ณ๐˜ข๐˜ต๐˜ช๐˜ฐ๐˜ฏ ๐˜ฑ๐˜ถ๐˜ณ๐˜ฑ๐˜ฐ๐˜ด๐˜ฆ๐˜ด ๐˜ฐ๐˜ง 0% ๐˜ง๐˜ญ๐˜ฐ๐˜ฐ๐˜ณ. ๐˜๐˜ฏ ๐˜ข ๐˜ฅ๐˜ฐ๐˜ธ๐˜ฏ ๐˜บ๐˜ฆ๐˜ข๐˜ณ ๐˜ต๐˜ฉ๐˜ฆ 0% ๐˜ง๐˜ญ๐˜ฐ๐˜ฐ๐˜ณ ๐˜ฎ๐˜ฆ๐˜ข๐˜ฏ๐˜ด ๐˜ฏ๐˜ฐ ๐˜ฏ๐˜ฆ๐˜จ๐˜ข๐˜ต๐˜ช๐˜ท๐˜ฆ ๐˜ช๐˜ฏ๐˜ต๐˜ฆ๐˜ณ๐˜ฆ๐˜ด๐˜ต ๐˜ช๐˜ด ๐˜ค๐˜ณ๐˜ฆ๐˜ฅ๐˜ช๐˜ต๐˜ฆ๐˜ฅ, ๐˜ฃ๐˜ถ๐˜ต ๐˜ข๐˜ฏ๐˜บ ๐˜ข๐˜ฑ๐˜ฑ๐˜ญ๐˜ช๐˜ค๐˜ข๐˜ฃ๐˜ญ๐˜ฆ ๐˜ฑ๐˜ฐ๐˜ญ๐˜ช๐˜ค๐˜บ ๐˜ค๐˜ฉ๐˜ข๐˜ณ๐˜จ๐˜ฆ๐˜ด ๐˜ด๐˜ต๐˜ช๐˜ญ๐˜ญ ๐˜ฎ๐˜ข๐˜บ ๐˜ข๐˜ฑ๐˜ฑ๐˜ญ๐˜บ.

08/17/2026

Are annuities good or bad? Wrong question. The right one: what problem is it actually solving for you?

For some, guaranteed income eases the stress of market swings and outliving savings. For others, flexibility matters more. Either way, it's about understanding the tradeoffs โ€” not just the pitch.

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4023 Ambassador Caffery Parkway, Suite 201
Lafayette, LA
70503

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