For close to 10 years, SHP Financial co-founders Derek Gregoire, Matthew Peck and Keith Ellis have been hosting this weekly talk radio show with the mission of empowering today's retirees and pre-retirees, so you can make better financial decisions for your future. Each week you'll hear timely financial news and topics, along with local and national guest interviews, all geared towards helping you get to and through retirement. Click here to learn more. This page is sponsored by SHP Financial and does not reflect iHeartMedia, its employees or other advertisers.

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050: Leveraging Home Equity to Secure Your Financial Future and Retirement with Nathan Hartseil

049: An Inside Look at the SHP Solutions Teams with Nick Nelson

One of the most popular questions that we get from our clients is, "How are you different?" It's a simple question but difficult to explain in 10 words or less. The quick answer is that it's not just the people, our portfolios, or our years of experience on our teams. It's all of it... and more. 

Here to help me explain what sets SHP apart from other firms is VP of Advisory Solutions, Nick Nelson. Nick started at SHP in 2016 and has been instrumental in helping us grow our business to what it is today.

So today, we'll discuss how we've been a culture that prides itself on delivering an outstanding client experience by putting our clients first and going beyond helping them achieve personal or financial goals. You'll also hear why all of our teams are solutions teams and how each team is making a difference in the growth of our business and our client's lives.

In this podcast interview, you’ll learn:

  • How being a good culture fit is so important for new hires.
  • Why the Advisory Solutions team is such an integral part of client experience.
  • The ripple effect of growing your firm with trusted and dedicated team players.
  • How SHP’s 3rd party relationships enhance the client experience. 

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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048: The Corporate Transparency Act: Important Changes For Business Owners with David Chaves

Most business owners are probably unaware that the Corporate Transparency Act went into effect on January 1, 2024. More importantly, this new law will directly impact the day-to-day operations of many business owners. Intended to combat money laundering, human trafficking, and funding terrorism, this new law brings with it new reporting requirements with an array of penalties. 

We’re thrilled to welcome David Chaves back to the podcast as he brings unique skills and experience to talk about this very important topic. He’s a retired FBI Agent, attorney, and keynote speaker on topics including white-collar crime, compliance, risk management, government investigations, and leadership. 

In this conversation, we’ll explain why most businesses will be impacted by this law, how to ensure your business complies with FinCEN if necessary, and how to get ahold of David’s ebook to learn more. 

In this podcast interview, you’ll learn:

  • Who within your company may now need to file for corporate transparency compliance and why it matters. 
  • Reporting deadlines for FinCEN compliance and potential fines for noncompliance.
  • Who will be able to see your FinCEN compliance information after you file. 
  • Why FinCEN compliance is catching the United States up to the rest of the world. 

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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Matt's Markets on the Move: January 2024

Welcome to the kickoff of 2024 as we explore the evolving economic terrain. Join us for valuable insights shared by SHP Financial's Co-founder, Matthew C. Peck, CFP® CIMA®, who brings clarity to dissect the latest updates in the financial landscape. Alongside him is our co-host and Sr. Service Representative, Laura Russo, ready to provide an insightful perspective and make sense of the dynamic changes in store for this year.

In this episode, we'll navigate through the intricacies of the financial world, uncovering key trends, potential challenges, and exciting opportunities that lie ahead. Matt and Laura will break down the essential updates, ensuring you're well-informed and prepared to navigate the economic landscape in 2024!

047: How Legacy Planning is More Than an Estate Plan with Mark Kenney

There are five worlds of financial planning: income, investment, tax, health care, and legacy–and today’s episode is all about legacy. We believe your legacy is more than your estate and the assets you leave behind.

The fact is, if you don’t take control of your legacy with proper financial planning, someone else will. These are tough conversations to have for most people, but by the end of the episode, our goal is to help you feel comfortable taking that first step and getting started.

We’re happy to have someone like Mark Kenney at SHP share his expertise and experience. Today, we’ll discuss how legacy planning impacts every other part of your financial plan, simple ways to reduce your estate taxes, and the key touch points you should be aware of as you create your legacy plan. 

In this podcast interview, you’ll learn:

  • Why legacy is an integral part of every financial plan. 
  • The common complications that arise in legacy planning and passing assets on to children or other beneficiaries. 
  • How (and why) certain clients choose to gift to their beneficiaries over the course of a lifetime, rather than just after they pass.
  • Why the rules for gifting are more generous when it comes to education (529) accounts. 
  • What makes legacy planning so difficult for DIYers. 

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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046: The SHP End-of-Year Financial Checklist for 2023

The end of the year is a time to reflect not just on what we’re grateful for and what we accomplished, but it’s also a great time to review the state of our financial plans–and the opportunities to take advantage of before the clock strikes midnight on December 31. 

Here at SHP, that means it’s all hands on deck this time of year to check all the boxes so that we’re setting our clients up for long-term success and a stress-free retirement. 

In today’s episode, we’re talking about how the major changes to tax law passed over the last five years will affect retirees for decades to come, and what you can do right now to make sure that your finances are one less thing for your loved ones to worry about. 

In this podcast interview, you’ll learn:

  • Why a holistic financial plan is so much more than portfolio management.
  • How to avoid massive tax penalties when it’s time to take required minimum distributions.
  • What you can do to avoid leaving money on the table in a time of maximized interest rates. 
  • Why it’s almost always better to focus your time and energy on earning money than saving it by DIYing your finances.  

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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045: Tax Planning Strategies to Save Money in Retirement with Derek Gregoire and Matthew Peck

When most people think of tax planning or doing their taxes, many would rather save it for another day. But if there’s one area that we can help our clients with to save them money, it’s with their tax planning.

In today’s episode, Derek Gregoire and Matthew Peck emphasize the importance of proper tax planning in your retirement plan. They’ll discuss tax diversification strategies, Roth conversions, and concepts to ensure that more of your hard-earned money stays in your account instead of going to Uncle Sam.

If you’ve been contributing to IRA and 401(k) accounts, you have a head start. By implementing simple (yet effective) strategies to move money into tax-free accounts, you’ll be ahead of the game when you retire.

In this podcast interview, you’ll learn:

  • How future increases to tax rates will impact how much investors will need to withdraw from their investments.
  • The guides that are available online at SHP to help with your tax planning needs.
  • How tax planning and legacy planning go hand in hand with what you leave behind to your children and beneficiaries.
  • Why now might be the right time to leverage Roth conversions in your portfolio.
  • How a methodical approach to moving pretax and after-tax dollars to a tax free account will save more money in the long run.

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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044: The Past, Present and Future of Social Security with Mark Kenney

Here at SHP, we get so many questions about Social Security: when to claim it, how it works, and what might happen to it in the future, especially with how dysfunctional Congress has become.

As always, we’re excited to welcome Mark Kenney, CFP, CTS, back on the podcast to get his thoughts on where things might be headed and how to plan for it. 

In this conversation, we dig into the history of Social Security, the common challenges people face when it comes to taking it, and how Social Security factors into a comprehensive financial plan to help you meet your goals in retirement.

In this podcast interview, you’ll learn:

  • Why Social Security should never be your sole source of income.
  • How to maximize your Social Security benefits–and what to consider as you decide when to take Social Security.
  • How your Social Security benefit is calculated–and who’s eligible to claim your Social Security after you die.
  • What the Windfall Elimination Provision (WEP) penalty is and how it can impact your Social Security. 
  • Why Social Security must be fixed in the next ten years to ensure benefits for future generations. 

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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043: The Most Important Aspects of a Comprehensive Retirement Plan with Derek Gregoire and Matthew Peck

Whether you’re retiring in five, 10, or 15 years, you need to be well prepared to retire–but other than your money, what exactly goes into a retirement plan? A lot of financial advisors will simply tell you “You made money. You lost money. Stay the course. That’s the plan,” even though that may not be what you want to hear.

So, with that in mind, what do you need to be doing each year, and what might you be missing? Today, Derek Gregoire and Matthew Peck of SHP set out to answer that question. We’re talking about why your retirement plan shouldn’t just be a bunch of 401(k)s, IRAs, and bank statements, why retirement and unemployment aren’t that different, and the critical pieces of the retirement plan that are often overlooked. 

In this podcast interview, you’ll learn:

  • Why you need to build a robust income plan to sustain you through retirement. 
  • The difference between a financial advisor and a fiduciary.
  • How to create a sequence of returns risk to prevent disaster when unexpected expenses arise. 
  • How to quickly identify gaps in your retirement plan and fill in the necessary pieces in the puzzle. 

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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042: Leadership, Integrity and Legacy: The Pillars of a Successful Business with Matt Glynn

Anyone who has started their own company will tell you that there are many important decisions that dictate how successful your business will be. And today’s guest is no different.

Matt Glynn was the proud owner of Glynn Electric for over 30 years, serving residents in Massachusetts, Rhode Island, and New Hampshire. At its peak, Glynn Electric employed over 250 people and had a reputation for delivering quality and reliable service for decades.

In today’s episode, Matt Glynn shares the factors that led to decades of success and the legacy he left behind after exiting his business. You’ll hear how his success may not have been possible without the help and support of his wife, how being a great judge of character when hiring staff was tremendously important, and his advice for new business owners who are on their own entrepreneurial journey.

In this podcast interview, you’ll learn:

  • The importance of being risk averse as a business owner.
  • How having a supportive spouse/partner was instrumental in growing the business.
  • How micromanagement can be a deterrent to growth in your business.
  • Why it’s critical to be a good judge of character when it comes to hiring staff with integrity.
  • How Glynn Electric’s education and training program was monumental in their growth and success.
  • When a business owner should start thinking about an exit plan.
  • The great work Matt is doing with the Joshua Glynn Memorial Foundation and the Boys & Girls Club in Plymouth.

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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