Retirement Road Map podcast

Player FM - Internet Radio Done Right

تمت الإضافة منذ قبل four أعوام

المحتوى المقدم من Jamie Fallon, Derek Gregoire, Keith Ellis, and Matthew Peck. يتم تحميل جميع محتويات البودكاست بما في ذلك الحلقات والرسومات وأوصاف البودكاست وتقديمها مباشرة بواسطة Jamie Fallon, Derek Gregoire, Keith Ellis, and Matthew Peck أو شريك منصة البودكاست الخاص بهم. إذا كنت تعتقد أن شخصًا ما يستخدم عملك المحمي بحقوق الطبع والنشر دون إذنك، فيمكنك اتباع العملية الموضحة هنا https://ar.player.fm/legal.

Thursdays in Juvie: A Podcast by Advot

1
The Letter 52:53

منذ 8 weeks52:53

التشغيل لاحقا

قوائم

إعجاب

احب

52:53

A young girl in juvie receives a letter from her favorite writer, whose past resembles her own (03:30). Luis Rodriguez, author of Always Running: La Vida Loca Gang Days in L.A , joins us for a very special episode of "Thursdays In Juvie" (09:13). . Luis Rodriguez is an award-winning author and Poet Laureate of Los Angeles. Rodriguez' accolades include: the Carl Sandburg Literary Award, a New York Times Notable Book recognition, a Lannan Foundation Fellowship, a Poetry Center Book Award, the PEN Oakland Josephine Miles Literary Award, and the Paterson Poetry Prize. His children’s books, América Is Her Name (Curbstone Books, 1996) and It Doesn’t Have to Be This Way: A Barrio Story (Children’s Book Press, 1999), were awarded The Paterson Prize for Books on Young People, two Skipping Stones Honor Awards, and a Parent’s Choice Book Award. (Poetry Foundation) . Thursdays in Juvie is brought to you by Advot. Advot is a nonprofit that uses arts education to empower system-impacted youth. To learn more, visit: https://www.advot.org . . . Executive Producers: Sara Acevedo, Naomi Ackerman Editor: Brendan Flavin Music: Patrick Burns Audio Engineers: Kennia Almonte, Calista Pineda Special thanks to the Boyle Heights Arts Conservatory and Tia Chucha's Centro Cultural & Bookstore…

Retirement Road Map

منزل السلاسل•Feed

Welcome to the Retirement Road Map by SHP Financial—a podcast empowering today's retirees and pre-retirees to make well-informed financial decisions that will help you spend more time living and dreaming, than worrying and wondering. Join SHP Financial Co-Founders Derek Gregoire, Keith Ellis, and Matthew Peck, CFP® CIMA®, as they share actionable financial strategies and insights, as well as interview top thought leaders in the world of finance, accounting, and estate planning. The SHP trademarked Retirement Road Map is a holistic planning process that focuses on the 5 key areas of retirement planning: Income planning, investment planning, tax planning, health care planning, and legacy planning. The Retirement Road Map is your guide to financial freedom and will prepare you for the retirement you’ve always dreamed of and deserve!

96 حلقات

Retirement Road Map

updated منذ 23 ساعة

منزل السلاسل•Feed

96 حلقات

كل الحلقات

1
086: Career Insights for New Grads Aspiring to Become Financial Advisors with Raphael Hanna 31:18

منذ 23 hours31:18

31:18

Graduation marks an exciting new chapter for young professionals, but for those eyeing a career in financial planning, the path forward can feel uncertain. What are the skills that investment firms are looking for? Which licenses and designations matter most? And how do you land that first opportunity in a highly competitive field? Today, Matthew Peck welcomes back returning guest Raphael Hanna to share his journey from Stonehill College to SHP Financial. Drawing from his own early experiences, Raphael reveals how internships, networking, and a willingness to adapt shaped his career path. He also explains the difference between independent advisory firms and other industry models, why relationship-building is as important as technical skills, and how to decide where you want to specialize. In this conversation, you’ll learn the difference between independent advisory firms and other industry models, why relationship-building is as important as technical skills, and how to decide where you want to specialize. Whether you’re a recent grad, a career changer, or simply curious about what it takes to thrive in financial planning, this episode provides a blueprint to start off on the right track and build a career that lasts. In this podcast interview, you’ll learn: Why networking can make or break your early career. The important licenses every new advisor should consider obtaining. How to choose the right firm for your career goals. The pros and cons of independent vs. traditional advisory models. How professional designations like the CFP® can set you apart. The best ways to explore career paths within financial services. 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…

1
085: How Donor-Advised Funds Simplifies Charitable Giving And Maximizes Tax Benefits with Kyle Casserino 43:15

منذ 15 يومًا43:15

43:15

Many retirees want to give back—but aren’t sure how to do it in a way that’s financially savvy and tax-efficient. If you’ve ever wondered how to streamline your charitable giving, take advantage of smart tax strategies, or leave a lasting legacy without the administrative burden, we have the perfect guest to help with those important decisions. Today, Matthew Peck is joined by Kyle Casserino, VP of Charitable Planning at Fidelity Investments. With years of experience in philanthropic financial strategies, Kyle walks us through the fast-growing world of Donor-Advised Funds (DAFs) and how they can help individuals make a greater impact while minimizing taxes. From understanding the history and purpose of DAFs to exploring real-life scenarios where they make the most sense, Kyle explains why this tool is increasingly popular among charitably inclined investors. In this conversation, you’ll learn how Donor-Advised Funds compare to private foundations, how to give appreciated assets like stocks instead of cash, and why these accounts are especially valuable for high-income earners, business owners, and those with large tax events. Whether you’re already giving or planning to give in the future, you’ll walk away with actionable strategies to make your charitable dollars go further. In this podcast interview, you’ll learn: Why Donor-Advised Funds are a flexible, low-maintenance alternative to private foundations. How giving appreciated stock can help you avoid capital gains taxes. The advantages of funding a DAF in high-income years to "pre-pay" future giving. Why Donor-Advised Funds can help simplify record-keeping and tax filing. How DAFs support legacy planning, including multi-generational giving. The biggest differentiators of foundations versus Donor-Advised Funds Why timing, tax brackets, and estate size matter when planning charitable gifts. 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…

1
084: Examining the Big Beautiful Tax Bill & What it Means for Your Retirement with Alina Osokhovska 41:43

منذ 29 يومًا41:43

41:43

The "One Big Beautiful Bill Act" has just become law, bringing sweeping tax changes that will directly impact retirees and pre-retirees. From changes to itemized deductions and charitable giving to updates on Social Security taxation and estate planning, the impact is far-reaching. Today, Matthew Peck is joined by one of SHP Financial’s Certified Financial Planners™, Alina Osokhovska. As one of SHP’s top planning advisors, Alina brings a wealth of knowledge and expertise to the complexities of this new legislation. They’ll unpack how the bill alters standard deductions, reinstates the importance of itemizing, and introduces income-sensitive thresholds that could significantly affect your tax strategy. In this conversation, you’ll walk away with a clearer understanding of what’s changing now and what’s coming in the years ahead. Whether it’s properly timing your Roth conversions, navigating the new SALT caps, or optimizing charitable contributions, this episode will help inform your decisions to maximize tax efficiency in retirement. In this podcast interview, you’ll learn: Why itemized deductions are back on the table and how to know if they benefit you. How changes to the SALT deduction cap can impact high-income households. What the new rules mean for Social Security taxation. Why retirees over 65 may benefit from an additional tax deduction and how to qualify. How charitable giving rules are shifting, both for itemized and standard filers. Financial planning opportunities that exist today before parts of the bill phase out in 2029. 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…

1
Matt's Markets on the Move Q2: July 2025 36:05

منذ 6 weeks36:05

36:05

Co-Founder, Matt Peck, CFP®, CIMA®, and Investment Analyst, Zach Perkins CFA®, team up to deliver the market update for Q2. Matt and Zach discuss what's currently going on in the markets — where we've been, where we're headed, and how tariffs and the “Big Beautiful Bill” may impact the economy. They'll also address key questions submitted by our clients. During times of uncertainty, our priority is to keep you informed and help ensure you feel supported every step of the way. If you have any questions or concerns, please don’t hesitate to reach out to your advisor. We're always here to help.…

1
083: Smart Tax Planning Strategies to Keep More of Your Retirement Income with Mike Guthrie 39:52

منذ 7 weeks39:52

39:52

Most retirees are surprised to learn just how differently their income is taxed once they stop working. From Social Security to pensions, IRAs, dividends, and even rental income, retirement brings a complex new tax landscape that can catch even the most financially savvy off guard. This episode is here to help you stay ahead of the curve. Joining SHP Financial's Matthew Peck is returning guest and financial advisor Mike Guthrie. With over 25 years in the industry, Mike breaks down the different sources of retirement income and how each is taxed—from qualified accounts, such as 401(k)s and IRAs, to brokerage accounts, Roth IRAs, and beyond. He highlights the common pitfalls people often fall into and why proactive planning is essential to avoid unpleasant tax surprises. By the end of this conversation, you’ll have a clearer understanding of how tax buckets work, which withholding tax strategies make sense, and how tax laws can impact everything from Social Security to capital gains. Whether you're planning for retirement or already there, this conversation will help you navigate retirement income with more confidence, control and peace of mind. In this podcast interview, you’ll learn: Why not all retirement income is taxed the same—and how to plan accordingly. How interest, dividends, capital gains, and Roth withdrawals differ in tax treatment. What you can (and can’t) withhold taxes from in retirement. The importance of proactive tax planning in avoiding April surprises. How strategies like Roth conversions, gifting, and timing Social Security can reduce your tax burden. Why personalized advice is critical because no two retirees face the same tax situations. 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…

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082: How SMAs Help Optimize Tax Efficiency In Your Portfolio with Cam Iarrobino 35:40

منذ 9 weeks35:40

35:40

Perhaps you’ve heard of Separately Managed Accounts (SMAs) but aren’t quite sure how they work or if they’re only suitable for high-net-worth investors. In this episode, we’ll break down the truth behind SMAs and why more investors are turning to them as a way to gain control, improve tax efficiency, and tailor their portfolios to their unique financial goals. In today’s podcast, SHP Financial’s Matthew Peck is joined by Cam Iarrobino, Investment Analyst to explain how SMAs differ from traditional mutual funds and ETFs, and why they’ve gained traction in today’s complex market environment. They’ll walk you through the key benefits of SMAs—including transparency, customization, and after-tax yield—and how they can be used to align investment strategies with a client’s overall retirement plan. In this conversation, you’ll learn the key benefits of SMAs—including customization and after-tax yield—and how they can be used to align investment strategies with a client’s overall retirement plan. You’ll also learn the importance of rebalancing, direct indexing your investments, and how to know when SMAs are (or aren’t) the right fit for you. In this podcast interview, you’ll learn: How SMAs offer greater customization and control compared to mutual funds and ETFs. The increased flexibility and efficiency of direct indexing and tax-loss harvesting with SMAs. The advantages of incorporating municipal bonds with SMAs and why their favored by SHP Financial. The value of tax efficiencies and after-tax yield benefits of SMAs, especially for high-net-worth investors. The difference between SMAs, ETFs and mutual funds with minimums, fees and flexibility. How SHP Financial evaluates how to implement SMAs into their client portfolios. 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…

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081: How the 2025 Social Security Reforms Will Impact Retirees with Chase Reardon 32:51

منذ 11 weeks32:51

32:51

The most recent changes to Social Security have left many Americans with questions—and for good reason. A landmark bipartisan bill has repealed the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO), placing more money into the pockets of retirees across the country. But what do these changes really mean for retirees? In this episode, SHP Financial’s co-founder Matthew Peck is joined by Chase Reardon to unpack the impact of these legislative changes. Chase has helped hundreds of clients navigate the complexities of Social Security—and today, he’s breaking down the WEP and GPO repeal, who it affects, and what actions (if any) need to be taken. In this conversation, you’ll learn how repealing the WEP and GPO affects both individual and spousal benefits, who may now be eligible for payments when they were previously denied, and what to do if you suspect you’re impacted. They’ll also touch on the broader retirement income strategy, including the pros and cons of working past retirement age, and how Social Security fits into your withdrawal plan. In this podcast interview, you’ll learn: What the WEP and GPO provisions were and why they were repealed in 2025. Who benefits from the repeal and how payments are being issued. What actions spouses may need to take to receive additional benefits. Why the timing of your Social Security claim can significantly impact your income. How to use breakeven analysis to make a confident, data-backed filing decision. 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…

1
080: How Financial Plans Help Navigate Volatile Markets and Create Peace of Mind with Kyle Britton 28:46

منذ 13 weeks28:46

28:46

In times like these, when there's market volatility and financial insecurity, it's more important than ever to have a financial plan to know that you can weather the storm and wild swings in the markets. It's the difference between having a plan vs just having a portfolio. In today's episode, Derek Gregoire is joined by SHP Financial's Lead Advisor, Kyle Britton, to discuss how they're helping their clients navigate the emotions of investing during bear markets. While many people would assume that the phones are ringing off the hook with clients filled with panic, you'll hear why that might be the exception rather than the rule because of the methods SHP Financial uses to build comprehensive financial plans that help their clients prepare for these very moments. In this conversation, they discussed how SHP helps clients determine their risk score and how they stress test portfolios to demonstrate the outcomes of down years. They'll explain what sequence of returns risk means and how important it is for investors to understand it as they approach retirement. They'll also discuss how bear markets create opportunities for those who have time on their side to weather the storm and take full advantage when the recovery happens. In this podcast interview, you’ll learn: What sequence of returns risk is and how SHP helps to calculate risk in your portfolio The benefits of using tools like Riskalyze to analyze the risk in your portfolio. How the news and media can make market volatility feel worse than it is by leaning on the chaos and negativity. The three bucket strategy that SHP uses to protect your annual income and long-term growth investments. How quickly market recoveries happen and the opportunities that bear markets can create. 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…

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079: How Practicing Gratitude Builds Deeper Connections and Relationships with John Israel 45:53

منذ 15 weeks45:53

45:53

Many people nearing retirement focus on their portfolios but neglect one of the most important components of a fulfilling life—genuine human connection. Especially in today’s world, where negativity dominates the headlines and technology often replaces personal interactions, gratitude can help us build more meaningful relationships and improve our well-being. In this episode, SHP Financial’s Derek Gregoire and Matthew Peck welcome keynote speaker, author, and professional gift giver John Israel—also known as Mr. Thank You. After launching a social experiment in which he hand-wrote five thank-you cards a day for a year, John uncovered profound insights into how deeper human connections are all about feeling seen, safe, and supported. His Mr. Thank You Project has since inspired thousands of people and companies to create cultures of gratitude and authenticity. In our conversation, you’ll hear the science behind why it’s easy to focus on the negative, how vulnerability leads to stronger relationships, and how you can use gratitude—even in tough times—to unlock personal and business growth and foster deeper connections. John offers a refreshing perspective on the little things that can make a huge impact. In this podcast interview, you’ll learn: Why gratitude is a learned skill—and how to practice it daily How handwritten thank-you notes transformed John’s personal and professional life The hierarchy of human connection and cornerstones of deeper relationships How to find meaning and purpose—even in life’s most painful experiences The ways SHP builds authentic, long-lasting client relationships through service and care 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…

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078: Tax-Efficient Financial Planning Strategies for High-Net-Worth Investors with Alina Osokhovska 25:03

منذ 17 weeks25:03

25:03

When it comes to high-net-worth retirement planning, having a robust investment portfolio is only part of the equation. Without a comprehensive strategy for generating income, minimizing taxes, and protecting against volatility, you could leave your financial future and legacy exposed to unnecessary risks. In this episode, SHP Financial’s co-founder Derek Gregoire sits down with Planning Solutions Advisor Alina Osokhovska to explore what it really means to have a complete retirement plan—not just a portfolio. Alina shares insights on cash flow management, tax diversification, and proactive planning techniques that can add significant long-term value to your financial outlook. In this conversation, you’ll learn how a strategic mix of pre-tax, after-tax, and tax-free accounts can reduce your lifetime tax burden, how Roth conversions can help your portfolio recover in down markets, and how estate planning documents and gifting strategies can help preserve your legacy. In this podcast interview, you’ll learn: Why a strong portfolio isn’t enough—and what makes a full financial plan. How cash flow and tax planning work together to protect your retirement income. Factors to consider when pulling from taxable, pre-tax, or Roth accounts. How Roth conversions during market downturns can unlock long-term value. Why annual plan reviews and updated estate documents are essential to safeguard your legacy. 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…

1
077: Estate Planning Essentials to Help Protect Your Assets and Legacy with Matthew Karr, ESQ 49:19

منذ 19 weeks49:19

49:19

Estate planning is arguably the most important of the five areas of financial planning. When protecting your legacy, having a comprehensive financial plan is only half the battle. Without the proper legal documents—wills, trusts, powers of attorney—you risk leaving behind confusion, the lengthy probate court process, and unintended tax burdens for your loved ones. Today’s episode features “Two Matts” as SHP Financial co-founder Matthew Peck welcomes Matthew Karr back to the podcast. Matt Karr is the founder and principal attorney of the Heritage Law Center in Woburn, Massachusetts, who’s been a tremendous resource and ally for us and our clients for many years. With more than 15 years of experience in estate planning and elder law, Matt Karr has helped countless families ensure their wishes are fulfilled and their wealth and legacy are protected. You’ll hear Matt Karr break down the differences between wills and trusts, the benefits of using irrevocable trusts for asset protection, and actionable tips to help your beneficiaries avoid probate court when planning your estate. You’ll also learn valuable insights for safely and securely storing your estate documents and why working with an attorney will help your loved ones settle your affairs the way you intended. In this podcast interview, you’ll learn: The key differences between wills and revocable vs. irrevocable trusts—and when each is appropriate. How irrevocable trusts can help protect your assets from lawsuits, creditors, and nursing home costs. Why the 30 day waiting period is necessary prior to starting the estate process. How unsecured debts that credit card bills and some medical bills are treated in an estate without sufficient assets. The importance of retaining original copies of estate documents and tips for storing them in a secure but accessible way. Why reviewing and updating your estate plan regularly is essential as laws, assets, and life circumstances evolve. 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…

1
Matt's Markets on the Move: April 2025 44:39

منذ 20 weeks44:39

44:39

In this quarter's episode of “Matt’s Markets on the Move,” hosts Laura Russo and Matthew Peck discuss various critical aspects of the financial markets, including the impact of recent tariffs, the importance of diversification, and the overall state of the economy.

1
076: How The AI Revolution Is Transforming Business, Investing and Daily Life with BlackRock’s Jay Jacobs 42:10

منذ 21 weeks42:10

42:10

Artificial Intelligence (AI) is no longer a futuristic concept—it’s here, and its transforming industries, investments, and daily life. Despite the advantages in processing and productivity, many still have concerns about using AI in their everyday lives at home and in business. This begs the question: Should AI be something we fear, or is it just new technology that we should embrace? Here to help answer those questions is Jay Jacobs. Jay is BlackRock’s Head of Thematic and Active ETFs, where he oversees the overall product strategy, thought leadership, and client engagement for the firm’s thematic and active ETF businesses. We’re thrilled to tap into his expertise to break down the evolution of AI and LLMs (Large Language Models), how it’s impacting the investment landscape, and what the future looks like in the AI and digital world. In our conversation, we discussed the rapid development of artificial intelligence and its potential to revolutionize sectors like finance, healthcare, and even customer service. You’ll also hear Jay describe how AI has evolved into a race toward Artificial General Intelligence (AGI), its ability to increase our productivity on a personal level, and whether the fears surrounding AI’s risks are warranted. In this podcast interview, you’ll learn: How AI has evolved from Clippy in Microsoft Word to ChatGPT and other LLMs. Why research and investing in AI is accelerating and what’s fueling its rapid growth. Why access to data, computing power, and infrastructure are the new competitive advantages in the AI arms race. How businesses are leveraging AI to boost efficiency and customer service. The race to AGI (Artificial General Intelligence)—what it means and how close we really are. How synthetic data and virtual environments are shaping the next frontier of AI development 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…

منذ 3 years33:28

33:28

As we start Quarter 1 of 2023, 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.

مرحبًا بك في مشغل أف ام!

يقوم برنامج مشغل أف أم بمسح الويب للحصول على بودكاست عالية الجودة لتستمتع بها الآن. إنه أفضل تطبيق بودكاست ويعمل على أجهزة اندرويد والأيفون والويب. قم بالتسجيل لمزامنة الاشتراكات عبر الأجهزة.