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 protect their lifestyle and future financial security.

In this episode, Keith Ellis Jr. is once again joined by one of SHP Financial's Certified Financial Planner, Mark Kenney, to discuss the role behavioral finance plays in retirement planning and why emotions often drive poor financial decisions during uncertain markets. Together, they break down the psychological tendencies that can lead investors to react impulsively, explain why long-term planning matters more than short-term market movements, and share real-world examples of how proper financial planning can help retirees stay confident during periods of volatility.

They also discuss the importance of having different investment "buckets" for safety, income, and growth, how tax planning impacts retirement success, and why open conversations around money and legacy planning can help families better prepare future generations. Mark and Keith explain how having a holistic retirement roadmap can help retirees navigate uncertainty, make smarter financial decisions, and maintain confidence in both their plan and their future.

In this podcast interview, you'll learn:

• Why emotional investing decisions can negatively impact long-term retirement success.
• How behavioral finance influences the way investors react during market volatility.
• Why having separate buckets for safety, income, and growth can reduce financial stress.
• How staying invested during downturns can improve long-term portfolio performance.
• Why tax planning should be part of a comprehensive retirement strategy.
• How conversations around legacy planning can help families prepare future generations.
• Why confidence and clarity are critical components of a successful retirement plan.

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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 SHP's Vice President of Advisory Solutions, Nick Nelson, to break down the key differences between having a portfolio and having a complete retirement plan. Nick explains why successful retirement planning goes far beyond investment performance and requires coordination across every area of your financial life.

Together, they discuss how income planning serves as the foundation of retirement, why investment strategies must evolve during the distribution phase, and how factors like taxes, inflation, healthcare costs, and legacy planning can impact long-term financial success. They also explain how proactive planning and working with a trusted advisor can help retirees navigate uncertainty with greater confidence and peace of mind.

In this podcast interview, you'll learn:

• Why a retirement portfolio alone may not provide the confidence needed for long-term financial success.
• How income planning serves as the foundation for every other area of retirement planning.
• Why investment strategies should change when transitioning from accumulation to distribution.
• How inflation, taxes, and RMDs can significantly impact your retirement income over time.
• The role healthcare and long-term care planning play in protecting your retirement assets.
• Why legacy planning goes beyond estate documents and helps define the impact you leave behind.

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

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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 Gregoire is joined by Alina Osokhovska, Certified Financial Planner™, to explore the true role of financial planning and why it goes far beyond portfolio management. With deep expertise in tax strategies and long-term planning, Alina shares how thoughtful, proactive planning can help clients align their investments with their goals while navigating an ever-changing financial landscape.

Together, they break down the different types of tax-advantaged accounts, including pre-tax, Roth, and after-tax strategies, and explain how each can play a role in building a more efficient retirement plan.

They also discuss the importance of tax diversification, how accounts like 401(k)s, IRAs, 529 plans, and HSAs fit into a broader strategy, and why ongoing planning is essential to adapt to changes in tax laws and personal circumstances.

In this podcast interview, you'll learn:

• Why financial planning goes far beyond investments and serves as the foundation for reaching your long-term goals.
• How pre-tax, Roth, and after-tax accounts differ and how each impacts your taxes in retirement.
• Why tax diversification is critical to maintaining flexibility and minimizing unnecessary taxes over time.
• How inefficient tax planning can reduce your retirement income just as much as market losses.
• The role of accounts like 401(k)s, 529 plans, and HSAs within a comprehensive financial strategy.
• Why financial planning is an ongoing process that must adapt to changes in tax laws, income, and personal goals.

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

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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 miss opportunities and make costly mistakes that could affect your income in retirement.

In this episode, SHP co-founder Matthew Peck is once again joined by SHP's Raphael Hanna to break down the fundamentals of 401(k) planning. With years of experience helping clients navigate retirement strategies, Raphael shares practical insights into how these plans function and how to approach them with a long-term perspective.

Together, they walk through the key components of a 401(k), including how to determine your contribution amount, how employer matching and vesting schedules work, and the differences between pre-tax and Roth contributions. They highlight common pitfalls to avoid and how proactive planning can help you maximize your retirement savings, giving you greater confidence as you approach retirement.

In this podcast interview, you'll learn:

• The importance of fully understanding your 401(k) as it has replaced traditional pensions for many people.
• How to determine the right contribution amount based on your income, expenses, and long-term goals.
• How employer matching and vesting schedules work and why leaving early could mean losing valuable benefits.
• The key differences between pre-tax and Roth 401(k) contributions and how each impacts your taxes over time.
• Why tax diversification across pre-tax, Roth, and after-tax accounts can provide more flexibility in retirement.
• What to consider when rolling over a 401(k) or using in-service distributions to gain more control over your investments.

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

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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 Willis to walk through the financial priorities everyone should consider at each stage of life. From early investing habits to retirement income strategies, Chris shares practical insights drawn from both his own experience and working with clients across multiple generations.

Together, they discuss several key strategies, including leveraging compound interest early, optimizing tax efficiency in your 40s and 50s, and navigating critical retirement milestones such as Social Security, Medicare, and required minimum distributions. Throughout the conversation, they highlight the importance of proactive planning at every stage, which helps build wealth, reduce stress, and create a more confident path as you approach retirement.

In this podcast interview, you'll learn:

• Why investing early creates a massive long-term advantage and how small monthly contributions can grow into significant wealth over time.
• Why investing in yourself can increase your long-term earning potential.
• The key financial priorities to focus on in each stage of life.
• The importance of life insurance and estate planning to protect your family's future.
• Why tax planning becomes critical in your 40s and 50s and the importance of diversifying your assets from a tax perspective.
• How Social Security timing impacts your overall retirement plan and strategies to reduce taxes on retirement income and distributions

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

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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 the biggest lessons they've learned after 100 podcasts and all the years of building a successful wealth management firm. From evolving investment strategies to the growing importance of tax planning and behavioral finance, they share insights from both their professional experience in the industry and in conversations with past guests.

They discuss how retirement planning has shifted from focusing solely on income to a comprehensive approach that includes tax efficiency, risk management, healthcare, estate planning, and charitable giving. They also offer practical advice on avoiding mistakes, handling market volatility, and building a retirement plan that ensures financial security and peace of mind.

In this podcast interview, you'll learn:

• How retirement planning has evolved beyond just income strategies.
• Why understanding and managing investment volatility is critical in retirement.
• The importance of tax diversification across pre-tax, Roth, and after-tax accounts.
• Lessons retirees often learn too late about required minimum distributions and taxes.
• How behavioral biases like overconfidence can impact long-term investment success.
• Why comprehensive planning is more powerful than managing investments alone.

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

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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 costly mistakes without the right strategy in place.

In this episode, Matthew Peck is joined by SHP Financial Advisor Laura Russo to break down the increasingly complex world of college planning. Laura explains how parents and grandparents can support their family's education goals in ways that remain tax-efficient and how ownership structures, gifting strategies, and early planning decisions can influence outcomes for both students and families.

Together, they share practical strategies such as direct tuition payments, 529 and ABLE accounts, and recent FAFSA rule changes that significantly impact financial aid eligibility. Ultimately, this conversation emphasizes how education planning is done proactively, it can reduce financial stress, preserve family wealth, and create opportunities for future generations without compromising retirement security.

In this podcast interview, you'll learn:

• How grandparents can help fund college in a tax-efficient way.
• Why 529 plan ownership now matters more than ever.
• How recent FAFSA changes impact financial aid eligibility.
• The differences between direct tuition payments and 529 strategies.
• Why student-owned assets can unintentionally reduce aid opportunities.
• How ABLE accounts support education planning for individuals with disabilities.
• Why early financial conversations help families make smarter college 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

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