Retirement Road Map

Graduation marks an exciting new chapter for young professionals, but for those eyeing a career in financial planning, the path forward can feel uncertain. What are the skills that investment firms are looking for? Which licenses and designations matter most? And how do you land that first opportunity in a highly competitive field? Today, Matthew Peck welcomes back returning guest Raphael Hanna to...

Many retirees want to give back—but aren't sure how to do it in a way that's financially savvy and tax-efficient. If you've ever wondered how to streamline your charitable giving, take advantage of smart tax strategies, or leave a lasting legacy without the administrative burden, we have the perfect guest to help with those important decisions. Today, Matthew Peck is joined by Kyle Casserino, VP o...

The "One Big Beautiful Bill Act" has just become law, bringing sweeping tax changes that will directly impact retirees and pre-retirees.  From changes to itemized deductions and charitable giving to updates on Social Security taxation and estate planning, the impact is far-reaching.  Today, Matthew Peck is joined by one of SHP Financial's Certified Financial Planners™, Alina Osokhovska. As one of...

Co-Founder, Matt Peck, CFP®, CIMA®, and Investment Analyst, Zach Perkins CFA®, team up to deliver the market update for Q2.  Matt  and Zach discuss what's currently going on in the markets — where we've been, where we're headed, and how tariffs and the "Big Beautiful Bill" may impact the economy. They'll also address key questions submitted by our clients. During times of uncertainty, our priority...

Most retirees are surprised to learn just how differently their income is taxed once they stop working. From Social Security to pensions, IRAs, dividends, and even rental income, retirement brings a complex new tax landscape that can catch even the most financially savvy off guard. This episode is here to help you stay ahead of the curve. Joining SHP Financial's Matthew Peck is returning guest and...

Perhaps you've heard of Separately Managed Accounts (SMAs) but aren't quite sure how they work or if they're only suitable for high-net-worth investors. In this episode, we'll break down the truth behind SMAs and why more investors are turning to them as a way to gain control, improve tax efficiency, and tailor their portfolios to their unique financial goals. In today's podcast, SHP Financial's M...

The most recent changes to Social Security have left many Americans with questions—and for good reason. A landmark bipartisan bill has repealed the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO), placing more money into the pockets of retirees across the country. But what do these changes really mean for retirees? In this episode, SHP Financial's co-founder Matthew Peck i...

In times like these, when there's market volatility and financial insecurity, it's more important than ever to have a financial plan to know that you can weather the storm and wild swings in the markets. It's the difference between having a plan vs just having a portfolio. In today's episode, Derek Gregoire is joined by SHP Financial's Lead Advisor, Kyle Britton, to discuss how they're helping the...

Many people nearing retirement focus on their portfolios but neglect one of the most important components of a fulfilling life—genuine human connection. Especially in today's world, where negativity dominates the headlines and technology often replaces personal interactions, gratitude can help us build more meaningful relationships and improve our well-being. In this episode, SHP Financial's Derek...

When it comes to high-net-worth retirement planning, having a robust investment portfolio is only part of the equation. Without a comprehensive strategy for generating income, minimizing taxes, and protecting against volatility, you could leave your financial future and legacy exposed to unnecessary risks.  In this episode, SHP Financial's co-founder Derek Gregoire sits down with Planning Solution...

Estate planning is arguably the most important of the five areas of financial planning. When protecting your legacy, having a comprehensive financial plan is only half the battle. Without the proper legal documents—wills, trusts, powers of attorney—you risk leaving behind confusion, the lengthy probate court process, and unintended tax burdens for your loved ones.  Today's episode features "Two Ma...

In this quarter's episode of "Matt's Markets on the Move," hosts Laura Russo and Matthew Peck discuss various critical aspects of the financial markets, including the impact of recent tariffs, the importance of diversification, and the overall state of the economy.

Artificial Intelligence (AI) is no longer a futuristic concept—it's here, and its transforming industries, investments, and daily life. Despite the advantages in processing and productivity, many still have concerns about using AI in their everyday lives at home and in business. This begs the question: Should AI be something we fear, or is it just new technology that we should embrace? Here to hel...

Losing a spouse is one of life's most challenging experiences—both emotionally and financially. When it happens, the surviving partner is left to navigate complex decisions while grieving at the same time. And without the right preparation, it can feel overwhelming. Today, Keith Ellis is joined by SHP's Laura Russo, a lead advisor at SHP Financial with years of estate and trust administration expe...

When it comes to retirement planning, many people focus on investments, income strategies, and estate planning—but tax planning is one of the biggest factors that can impact your financial future. Without a proactive approach, taxes can take a bigger bite out of your retirement savings than you might expect. In this episode, Derek Gregoire and Matthew Peck are joined by Peter Roache, a tax expert...

Estate planning isn't just about protecting your wealth and passing it on to your beneficiaries—it's about ensuring a seamless transition for your loved ones while minimizing taxes and legal complications. With tax laws constantly evolving and real estate values climbing, many families could face significant estate tax liabilities. And yet, most people often save their estate planning needs for an...

Bitcoin and digital assets are among the most debated, complex, and controversial asset classes on the market today. Despite being a polarizing topic, nobody can deny their growing importance in global finance and even in Trump's administration in the White House. That's why we're thrilled to have Ryan Lessard, a Digital Asset Strategist from Fidelity, on the podcast today. Ryan shares his experti...

It's a new year, and what better way to kick things off in 2025 than by revisiting your financial plan or creating your first one. We've seen huge fluctuations in inflation, interest rates, and market swings in recent years, and having a plan is the best way to be prepared for when things change. Most people spend their working years grinding, saving, and looking forward to their retirement date....

Join SHP Co-founder Matthew C. Peck, CFP® CIMA® and Lead Advisor Laura Russo as they speak about what's happening in the markets in 2025!

Healthcare costs are one of the biggest financial challenges for retirees and pre-retirees. Many people work until they're 65 just to transition into retirement with Medicare. And with healthcare costs so expensive, it's easy to understand why. But what if your financial plan had those costs built into it so you could retire early? To explore this complex topic, we're thrilled to have Scott Hokans...

In recent years, there has been plenty of talk about the burden of paying for a college education, and student loan forgiveness has been a hot topic. If it's in the news, then weighing on the minds of our clients. That's why we're so grateful to have Mark Kenney, CERTIFIED FINANCIAL PLANNER and CERTIFIED TAX SPECIALIST here at SHP Financial. With college tuition soaring, preparing for your childre...

Now that the 2024 Election is in the books, we know that a new and yet familiar President-elect will take control of the Whitehouse in 2025. So, what does that mean for your investments and finances?  To help answer that question, Matthew Peck highlights some of the economic factors that SHP Financial will be keeping a close eye on that will impact the markets. While inflation and taxes have been...

If you've been following the podcast, you've likely heard us talk about Roth conversions many times. At SHP, we use Roth conversions as a tool on a daily basis. But it occurred to us, a lot of our listeners might not fully understand what it means or might not be aware of the pros and cons to completing a Roth conversion. So we decided to dedicate a full episode on this very topic today. In this e...

You've had a successful career, you've invested well, and you have everything you need to live comfortably in retirement. Sounds perfect, right? While that would be a dream scenario for some, others often want to do more by giving back and paying it forward. Such is the case with today's returning guest. Matt Flynn owned Glynn Electric for over 30 years, serving Massachusetts, Rhode Island, and Ne...

Join SHP Co-founder Matthew C. Peck, CFP® CIMA® and Lead Advisor Laura Russo as they take a moment to reflect on Q4 and prepare for 2025!