Retirement Road Map

What a year it's been. 2022 was one of the toughest financial years we've seen in our lifetimes. The state of the markets is concerning, but we've never been prouder of our team and what we've been able to do for our clients. With that in mind, today's episode is all about what we've done behind the scenes to position our clients for success. As we prepare to celebrate our 20th anniversary at SHP,...

During the first ten years of SHP Financial–2003 thru 2012–we had a team that deeply understood how to build great financial plans and do right by our clients. However, we had work to do on the business side of our operations.   When we realized we needed to hire a COO, we interviewed Michelle Short–and quickly realized how much talent she brought to the table. She's helped us scale our business,...

Financially speaking, 2022 has been a tough year. We've all been dealt a handful of lemons, the markets are in a uniquely difficult position, and your portfolio is likely down from the highs of 2021. So, with all of that in mind, how can you turn your lemons into lemonade? Today, we're sharing some tips and strategies that we've been recommending to our clients to take advantage of the opportuniti...

A personal relationship without trust is doomed to fail. And in business, it's no different. It's one of the things we take pride in at SHP because we know our clients trust us with more than their portfolio or retirement, it's their future, and it's a responsibility we don't take lightly. Joining me to talk about the importance of trust in today's financial world is John Capuano. John is the co-f...

When it comes to retirement planning, almost everyone knows about the danger of a market downturn or rampant inflation. But what else is out there that could set you back, and how can you best protect yourself? To answer those questions, today we're joined by one of our Financial Advisors here at SHP, Joe Anderson. Joe has coached countless clients through tough financial challenges and helped the...

As we head into Quarter 4 of 2022, Founding Partner Matt Peck, CFP®, CIMA®, will provide clarity when it comes to what is happening in the economy and how it will impact your retirement.

When we see a prospective client for the first time, they often have a portfolio. However, they don't have a five-step plan. Even if they have a plan of some kind, they've rarely put much thought into health care planning. The reason is simple: health care planning, and especially planning for long-term care, can be extremely complicated, expensive, and somewhat depressing. However, being proactiv...

For individuals with a pension, the decision to take or not to take a lump sum can be confusing. As interest rates rise, many plans could see a drop of 25-30% or more. This could mean hundreds of thousands of dollars for some employees, and for many plans, this is very time sensitive. Finding clarity on this subject isn't always easy. That's why we talk to people like today's guest, Michael Martin...

When you hear about CPI, data points, Federal Reserve minutes, and news reports pertaining to interest rates, how do you apply them to your life–and your portfolio? Making sense of the Fed and what it does isn't easy. That's why we talk to people like today's guest, Andrew Opdyke. Andrew is a Senior Economist at First Trust, where he researches and studies the Fed and its actions. In today's conve...

When most folks come into our offices for the first time, they have a portfolio of mutual funds, stocks, bonds, annuities, cash, real estate, and other assets. What they don't have is a full financial plan. At SHP, we have a team dedicated just to financial planning, and today's guest, Nick Nelson, leads that team. Nick joined SHP Financial in June 2016 after beginning his career with an independe...

In our industry, there's a saying: the two people in your life that you want to make sure are younger than you are your financial advisor and your doctor. After all, if you're 50 or 60 and working with a financial advisor who's the same age as you, guess what they're going to be doing in 5, 10, or 15 years? When you retire, they'll probably retire too! To discuss this topic, we're thrilled to be c...

A successful retirement isn't just about your investments. For many retirees, the biggest, most crucial thing is having a comprehensive retirement plan–of which the portfolio is a big piece. What many people don't realize is just how much work goes into the plan. Even if you have a financial advisor, you might just be getting the portfolio–not the planning or the strategies to address taxes, legac...

How do you choose between working full-time and doing everything else you've ever wanted to do with your life? When's the right time to retire, and will you have the money to do it?  Today, we're talking to Anne Lester. For 29 years, Anne was portfolio manager and head of retirement solutions for J.P. Morgan. Since leaving J.P. Morgan, she's become a regular commentator on CNBC and Bloomberg, and...

As the war between Russia and Ukraine rages on, Founding Partner Matt Peck, CFP®, CIMA®, will continue to break down this war and its financial implications in market updates.  In the video above, Matt discusses: Developments in the war, highlighting the immediate and anticipated fallout from the invasion of Ukraine Effects on the Federal Reserve and its response The impact on the interwoven marke...

A week after the tragic invasion of the Ukraine began, uncertainty reigns. How will this military action affect the markets?  Inflation? Global growth? Today we're joined by Founding Partner, Matt Peck, CFP®, CIMA® to learn more about the potential implications of the largest land war in Europe since World War II. Most importantly, our thoughts and prayers are with the Ukrainian people and those i...

For many business owners, insurance is all but guaranteed to be a massive part of their portfolio. Though it may seem simple at first, entrepreneurs rely on insurance products to safeguard their companies from risk, and the wrong coverage can create liabilities, hinder growth, and negatively impact one's retirement. Joining me to discuss these topics is Tom Rogers. Tom is the Chief Growth Officer...

Most people aren't proactive in their tax planning, either during their professional careers or in retirement, and the consequences can be grave. Tax law is constantly changing, the IRS is harder than ever to work with, and a missed opportunity or a stone left unturned can make a massive difference when it comes to your bottom line. This is why we work with people like Peter Roache. Peter is a CPA...

When we're working with families to create retirement plans, one thing comes up more than almost any other: taxes. Families want to know how to best tax plan, craft strategies, and implement ideas to protect themselves in the face of fast-changing, sometimes volatile legislation. For this conversation, we're joined by Mark Kenney. Mark is a CFP and advisor here at SHP, and he has tons of experienc...

Health insurance is one of the most confusing systems in America—and Medicare is rarely any easier to understand than the co-pays, deductibles, and other costs that people deal with before age 65. As great as it would be to transition seamlessly into Medicare coverage, few are able to do so without risking being partially uninsured or overinvesting in the wrong coverage. To better understand Medic...

Estate planning helps us protect the people who matter most to us. It ensures that our legacy is carried out the way we want it to be and protects the people we love. It's one of the most important pieces of a retirement plan—and there are many ways for this process to go wrong. To help us understand how to build robust, comprehensive estate plans, we're joined by attorney Keith McManus. Based in...

Everyone has an origin story—including SHP. Today's first episode of the Retirement Road Map® podcast is all about our backgrounds, who we are, and why we hold the values of financial planning so true to our heart. For us, it's all about the ripple effect. It's not just our clients that we're helping win at life, but it's their families and friends. We believe what we do here at SHP really does ma...