Retirement Road Map

Join SHP Financial Co-Founder Matt Peck, CFP®, CIMA®, and CFA® Zach Perkins as they discuss current market trends and their potential impact on your financial future.

When you think about investing for retirement, stocks, bonds, mutual funds, and ETFs probably come to mind first. But those public markets are only one part of the investment landscape. Private equity, private credit, real estate, infrastructure, and venture capital offer another universe of investment opportunities that many investors may know very little about.

In this episode, SHP Financial co-founder Matthew Peck is joined by Raphael Hanna to break down the differences between public and private markets and explain why private investments have become increasingly accessible to individual investors. They discuss the different types of private investments, how they can potentially add another layer of diversification to a portfolio, and some of the important tradeoffs investors need to understand.

Ultimately, having more investment options doesn't mean every option belongs in your portfolio. Matthew and Raphael explain why factors like liquidity, fees, risk tolerance, income needs, and time horizon should all be considered before investing in private markets and why every investment decision should start with your broader financial plan.

In this podcast interview, you'll learn:

• The key differences between investing in public and private markets.
• How private equity differs from venture capital, private credit, and private real estate.
• Why more and more companies are staying private for longer durations.
• How private investments can provide another source of portfolio diversification.
• What investors should understand about fees, liquidity, and holding periods.
• Why your time horizon and risk tolerance matter when considering private investments.

Want the Full Show Notes?

To get access to the full show notes, including audio, transcripts, and links to all the resources mentioned, visit SHPfinancial.com/podcast

Connect With Us on Social

• Facebook
• LinkedIn
• YouTube

When you think about preparing for retirement, it's easy to focus on whether you've saved enough, when to claim Social Security, or how your investments will generate income. But some of the most important retirement decisions have very little to do with the numbers. What will you do with your time? How will your relationships change? And what happens if retirement arrives sooner than you expected?

In this episode, SHP Financial co-founder Derek Gregoire is joined by Aidan Arone, CFP®, to discuss the emotional and logistical side of retirement planning that families often overlook. They explore why it's important to think about what you're retiring to, not just what you're retiring from, and why conversations about purpose, family, healthcare, spending, and your future lifestyle should happen well before your last day of work.

Ultimately, a successful retirement isn't just about having enough money. Derek and Aidan share why couples and families should have the difficult conversations now, how planning for your life beyond work can make the transition easier, and why having a clear sense of purpose and community can be just as important as having a strong financial plan.

In this podcast interview, you'll learn:

• Why retirement planning needs to go beyond the numbers.
• How losing your career can affect your identity and sense of purpose.
• Why maintaining social connections is so important after leaving work.
• Which retirement conversations couples should have before their last day of work.
• Why families should discuss healthcare, caregiving, and legacy plans in advance.
• How an unexpected event can force you into retirement before you're ready.

Want the Full Show Notes?

To get access to the full show notes, including audio, transcripts, and links to all the resources mentioned, visit SHPfinancial.com/podcast

Connect With Us on Social

• Facebook
• LinkedIn
• YouTube

As couples approach retirement, their biggest question is typically whether they've saved enough to cover their expenses and enjoy the retirement they've worked so hard for. But what happens when one spouse passes away? The decisions you make today will undoubtedly affect the surviving spouse's income, taxes, investments, and overall financial security.

In this episode, SHP Financial co-founder Matthew Peck is once again joined by Nick Nelson, VP of Advisory Solutions, to discuss why spousal planning is such an important (and often overlooked) part of retirement planning. They explain why both spouses should be involved in the financial planning process and how preparing in advance can provide greater confidence and continuity when the unexpected happens.

Ultimately, spousal planning is about preparing for the difficult questions before you're forced to answer them under duress. Matt and Nick share how planning ahead can provide greater confidence that both spouses understand the plan, know what to do when the unexpected happens, and have the right people in place to help guide them through it.

In this podcast interview, you'll learn:

• Why both spouses should understand the basics of their financial plan.
• How Social Security and pension decisions can affect a surviving spouse.
• Why expenses may not decrease significantly after one spouse passes away.
• How losing a spouse can dramatically change your retirement tax strategy.
• Why inherited IRA decisions require careful planning for surviving spouses.
• How beneficiaries, trusts, and proper account titling can help avoid costly mistakes.

Want the Full Show Notes?

To get access to the full show notes, including audio, transcripts, and links to all the resources mentioned, visit SHPfinancial.com/podcast

Connect With Us on Social

• Facebook
• LinkedIn
• YouTube

Retirement isn't only about leaving your career behind. It's also about knowing what you're retiring to and making sure the financial decisions you make along the way support the life you want to create. And when taxes, investments, estate planning, and retirement income begin overlapping, trying to navigate everything on your own can become complicated quickly.

In this episode, SHP Financial Lead Advisor Laura Russo sits down with recently retired CPA, Lauren Bakken, to discuss the lessons Lauren learned throughout her career serving individuals and small business owners. Lauren shares her own transition into retirement, why she believes your CPA, financial advisor, and attorney should be working together.

In this podcast interview, you'll learn:

• How meaningful work and purpose can make retirement more fulfilling.
• The importance of understanding the tax consequences before taking retirement distributions.
• How your CPA, financial advisor, and attorney can work together.
• Why minimizing taxes isn't always the best financial decision.
• How small business owners can better prepare themselves for retirement.
• Why both spouses should understand the family's financial picture.

Want the Full Show Notes?

To get access to the full show notes, including audio, transcripts, and links to all the resources mentioned, visit SHPfinancial.com/podcast

Connect With Us on Social

• Facebook
• LinkedIn
• YouTube

One of the most common questions that we hear from our clients isn't whether they've saved enough; it's whether their savings can actually provide the income they need to live the retirement they've envisioned. Building wealth during your working years is one challenge, but turning those assets into a reliable paycheck is where a comprehensive retirement plan becomes essential.

In this episode, Keith Ellis Jr. is joined by Certified Financial Planner (CFP®) and Certified Tax Specialist (CTS™), Chris Willis, to discuss how retirement income planning goes far beyond simply withdrawing money from an investment portfolio. They explain how understanding your expenses is the foundation of every retirement plan, how different income strategies can fit different personalities and goals, and why no single approach works for every retiree.

They also break down the strengths and tradeoffs of guaranteed income, dividend-focused investing, and SHP's bucket strategy for generating retirement income. You'll also learn how income planning fits into SHP's comprehensive retirement strategy that includes investments, taxes, healthcare, and estate planning.

In this podcast interview, you'll learn:

• Why retirement income planning begins with understanding your lifestyle expenses.
• How guaranteed income, dividend investing, and bucket strategies each serve different goals.
• Why there's no one-size-fits-all approach to generating retirement income.
• How balancing safety, income, and growth creates a more resilient retirement plan.
• Why tax planning should influence your retirement income strategy.
• How a personalized retirement plan can help you retire with greater confidence.

Want the Full Show Notes?

To get access to the full show notes, including audio, transcripts, and links to all the resources mentioned, visit SHPfinancial.com/podcast

Connect With Us on Social

• Facebook
• LinkedIn
• YouTube

Retirement is often viewed as a financial milestone, but many retirees discover that their biggest challenges have little to do with money. Many wish they had retired sooner, spent more confidently, prepared for the emotional transition away from work, or started important planning conversations with their families earlier. The good news is that these lessons don't have to be learned the hard way.

In this episode, Keith Ellis Jr. is joined by Kyle Britton to share insights gathered directly from retired clients who reflected on what they would do differently if they could start retirement over again. Together, they discuss the most common regrets they've heard from retirees, including delaying retirement, underspending despite having enough savings, losing a sense of purpose after leaving work, and overlooking important tax, estate, and legacy-planning opportunities.​

They also discuss why retirement planning extends far beyond investments, how a comprehensive retirement plan helps pre-retirees make more confident decisions, the value of gifting assets during your lifetime, and why having meaningful conversations with family can help preserve both wealth and relationships for future generations.

In this podcast interview, you'll learn:

• Why many retirees wish they had stopped working sooner.
• How a comprehensive retirement plan creates confidence to enjoy your money.
• Why purpose and routine are essential after leaving your career.
• How proactive tax planning can preserve more wealth for your family.
• Why gifting during your lifetime may benefit both you and your heirs.
• How healthcare and legacy planning shape long-term retirement success.
• Why open family conversations can prevent future estate conflicts.

Want the Full Show Notes?

To get access to the full show notes, including audio, transcripts, and links to all the resources mentioned, visit SHPfinancial.com/podcast

Connect With Us on Social

• Facebook
• LinkedIn
• YouTube

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 SHP's Head Certified Financial Planner, Alina Osokhovska to explain how Social Security really works and why the best claiming strategy depends on your unique financial situation. They discuss the different types of Social Security benefits, the key ages every retiree should understand, and how factors like taxes, market conditions, longevity, and spousal planning influence when claiming benefits makes the most sense.

They also discuss how SHP's Retirement Road Map evaluates multiple claiming strategies, recent changes under the Social Security Fairness Act, how working in retirement can affect benefits, why Social Security remains an important part of a comprehensive retirement plan, and why making an informed decision is far more valuable than making a rushed one.

In this podcast interview, you'll learn:

• Why the best Social Security claiming age depends on your complete financial plan.
• How spousal and survivor benefits can significantly affect retirement income.
• Why taxes should play a major role in your claiming strategy.
• How longevity and market conditions influence when to begin benefits.
• What recent Social Security law changes mean for retirees.
• How working before full retirement age may affect your benefits.
• Why personalized planning leads to better Social Security decisions.

Want the Full Show Notes?

To get access to the full show notes, including audio, transcripts, and links to all the resources mentioned, visit SHPfinancial.com/podcast

Connect With Us on Social

• Facebook
• LinkedIn
• YouTube

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 successful retirement success really means by going deeper than portfolios and income planning. They talk about the emotional and lifestyle transitions that come with leaving a career behind, why purpose and structure remain important in retirement, and how retirees can create meaningful experiences with new hobbies, deeper family connections, and charitable work.

They also discuss the role financial planning plays in creating the freedom to pursue the things that matter most, why confidence is essential when transitioning from saving to spending, and how SHP Financial's Retirement Road Map process helps retirees align their finances with their goals, values, and lifestyle.

In this podcast interview, you'll learn:

• Why retirement planning should focus on purpose as well as finances.
• How structure and routine contribute to a more fulfilling retirement.
• Why intellectual engagement and lifelong learning can improve retirement satisfaction.
• How health and fitness impact both quality of life and financial well-being.
• Why strong family relationships and social connections are essential in retirement.
• How confidence helps retirees transition from saving money to spending it.
• Why a holistic retirement plan creates greater freedom and flexibility.

Want the Full Show Notes?

To get access to the full show notes, including audio, transcripts, and links to all the resources mentioned, visit SHPfinancial.com/podcast

Connect With Us on Social

• Facebook
• LinkedIn
• YouTube