Retirement Road Map

Join SHP Financial Co-Founder Matt Peck, CFP ® , CIMA ® , and  Lead Advisor, Laura Russo as they discuss current market trends and their potential impact on your financial future.

Many retirees assume the biggest Social Security decision is simply choosing the right age to claim benefits. But the reality is far more complex. Your Social Security strategy can affect your retirement income, taxes, spouse, survivor benefits, and long-term financial security, making it one of the most important decisions you'll make during retirement. In this episode, Matthew Peck is joined by...

The average person spends most of their life preparing for retirement, only to discover that having enough money is just one piece of the puzzle. Once the paychecks stop and the daily routine disappears, retirees often face a different challenge: finding purpose, fulfillment, and confidence in how they spend their time. In this episode, Keith Ellis Jr. is joined by Mike Guthrie to explore what a s...

Market volatility can cause even the most disciplined investors to second-guess their decisions. When headlines dominate the news cycle and emotions begin to take over, many retirees risk making short-term financial moves that can negatively impact their long-term retirement goals. Without a comprehensive plan in place, fear and uncertainty can lead investors away from the strategies designed to p...

One of the biggest misconceptions investors have about retirement planning is that a healthy portfolio with large balances guarantees retirement success. But without a comprehensive plan that accounts for the income, taxes, investments, healthcare, and legacy goals, retirees can still face unnecessary risks and uncertainty down the road. In this episode, SHP co-founder Matthew Peck is joined by SH...

Without a comprehensive financial plan that accounts for taxes, income strategies, and long-term goals, it's easy to overlook opportunities that could significantly impact your financial future. The reality is that even strong investment returns can be undermined by inefficient planning, leading to unnecessary taxes, missed opportunities, and less control in retirement. In this episode, Derek Greg...

For many people, investing money into a 401(k) is the foundation of their retirement. Unfortunately, most investors don't fully understand how these plans work or how to take full advantage of them. From contribution limits to employer matches and tax strategies, small decisions made today can have a significant impact on your long-term financial future. Without a clear understanding, it's easy to...

SHP Financial Co-Founder, Matt Peck, CFP®, CIMA®, and Lead Advisor, Laura Russo, sit down for their quarterly market update. Matt and Laura will take a look back at Q1, discuss the current state of the markets, where we are headed, and what this means for your future and finances. They'll also address key questions submitted by our clients. Visit shpfinancial.com for more information!

Financial planning is a lifelong process that evolves with each stage of life. Yet many people either start too late or focus on the wrong priorities and miss key opportunities that could significantly impact their long-term financial success. Without a clear roadmap, it's easy to overlook critical strategies that compound over time. Today, Derek Gregoire is joined by SHP Financial Advisor Chris W...

With over 20 years of financial planning experience and having helped thousands of retirees and pre-retirees successfully plan for retirement, we've learned which planning mistakes can derail retirement and which strategies help clients retire with confidence and peace of mind. In this very special episode, SHP Financial's co-founders Derek Gregoire, Keith Ellis Jr., and Matthew Peck reflect on th...

Planning for retirement doesn't always stop with your own financial future. For many families, helping children or grandchildren afford a college education has become one of the biggest priorities facing retirees and pre-retirees.  With rising tuition costs, evolving financial aid rules, and widespread misconceptions around 529 plans and FAFSA, families with great intentions can unknowingly make c...

Planning for the future doesn't stop once your estate documents are signed. As laws change, family dynamics evolve, and asset values grow, outdated estate plans can create unintended consequences. In this episode, Keith Ellis Jr. is joined by estate planning attorney Keith McManus to discuss current estate planning trends, common misconceptions, and the real risks families face when plans aren't p...

Mentally preparing for retirement often generates more questions than answers. From wondering if you've saved enough to figuring out when you can finally stop working, many pre-retirees feel uncertain about what comes next. And then you add concerns around taxes, healthcare, Social Security, and market volatility, and it's easy to feel overwhelmed without a clear plan in place. In this episode, Ke...

As we kick things off in 2026, it's a natural time to reflect on how quickly time passes and how important it is to have a plan that evolves as life, markets, and priorities change. Volatility, political uncertainty, and shifting tax laws continue to remind investors that retirement isn't just about accumulating money; it's about knowing how to manage it so you can spend it with confidence. In thi...

SHP Financial Co-Founder, Matt Peck, CFP®, CIMA®, and Lead Advisor, Laura Russo, sit down for their quarterly market update. Matt and Laura will take a look back at 2025, discuss the current state of the markets, where we are headed, and what this means for your future and finances. Visit shpfinancial.com for more information!

It's a new year, and financial uncertainty continues to be a pressing topic for investors. Questions around interest rates, inflation, tariffs, artificial intelligence, and global market stability continue to dominate headlines, leaving many retirees and pre-retirees wondering how to position their portfolios for what comes next. That's why we're incredibly grateful to have Michael Arone on the po...

For many investors, 2025 has raised difficult questions about safety, inflation, global instability, and how to protect wealth in an increasingly unpredictable environment. With gold posting some of its strongest performance in decades, many are wondering whether it belongs in their portfolios. So today, SHP Financial's Matthew Peck is joined by Senior Portfolio Analyst David Hathaway to break dow...

For many young adults and new parents, getting their savings or investment plans started can feel intimidating. Despite all the information available online, most don't realize that setting aside small amounts early—$25 a week or $100 a month—can grow into a lifetime of financial security through the power of compound interest. In today's episode, SHP's VP of Advisory Solutions, Nick Nelson, is ba...

For many investors approaching or navigating retirement, the world of private markets can feel intimidating. Over the past 30 years, the number of public companies in the capital markets has declined by 30% while private markets have grown at the same rate. This means failing to understand the rapidly growing asset class of private markets and alternatives could mean missing opportunities for dive...

For many families, estate planning creates a feeling of anxiety, which is a big reason why they put it off for another day. From probate costs to nursing home spend-downs, failing to plan can leave loved ones vulnerable to unnecessary taxes, legal fees, and stress. In this episode, SHP's Laura Russo is joined by returning guest Attorney David Chaves to share actionable tips and strategies for redu...

For most of your life, retirement planning has likely centered around saving and building wealth. But what happens when the paychecks stop and it's time to start replacing your income withdrawing from your retirement savings and investments?  In this episode, SHP Financial Co-Founder Derek Gregoire is joined by Kyle Britton, Lead Advisor at SHP Financial. Together, they explore what it truly means...

The housing market has undergone significant changes in recent years, leaving many homeowners and prospective buyers feeling uncertain about its future direction. Interest rates have risen from historic lows, making affordability a pressing issue, and discussions about the possible privatization of Fannie Mae and Freddie Mac are sparking new concerns about the future of housing and mortgages in Am...

Losing a spouse is one of life's most painful experiences, and in the midst of grief, surviving partners are often faced with overwhelming financial decisions. From settling estates to adjusting to changes in income, the process can feel like an impossible burden to carry alone. Without a plan in place, surviving spouses may find themselves vulnerable to financial missteps at a time when clarity i...

Death is one of life's certainties, yet it remains one of the hardest subjects to talk about. Many families avoid end-of-life conversations out of fear, discomfort, or superstition. Unfortunately, this avoidance can lead to increased stress, resentment, and regret when the time comes to make critical decisions. So how do we make the process smoother, less overwhelming, and more meaningful? In this...