Retirement Road Map podcast

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Konten disediakan oleh Jamie Fallon, Derek Gregoire, Keith Ellis, and Matthew Peck. Semua konten podcast termasuk episode, grafik, dan deskripsi podcast diunggah dan disediakan langsung oleh Jamie Fallon, Derek Gregoire, Keith Ellis, and Matthew Peck atau mitra platform podcast mereka. Jika Anda yakin seseorang menggunakan karya berhak cipta Anda tanpa izin, Anda dapat mengikuti proses yang diuraikan di sini https://id.player.fm/legal.

Biscuits & Jam

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The War and Treaty Are Getting Carried Away 46:55

2 hari yang lalu46:55

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46:55

The War and Treaty’s Michael and Tanya Trotter grew up in Cleveland, Ohio, and Washington, DC, respectively, but both have family roots in the South. They also grew up in the musical traditions of their churches – Tanya in the Black Baptist Church and Michael in the Seventh Day Adventist Church – where they learned the power of song to move people. After becoming a father at a very young age, Michael eventually joined the armed forces and served in Iraq and Germany, where he took up songwriting as a way of dealing with his experiences there. Meanwhile Tanya embarked on a singing and acting career after a breakthrough appearance in Sister Act 2 alongside Whoopi Goldberg and Lauryn Hill. Now, after a long and sometimes traumatic journey, Michael and Tanya are married, touring, winning all sorts of awards, and set to release their fifth album together, and their fourth as The War and Treaty. Sid talks to Michael and Tanya about the new record, Plus One , as well as their collaboration with Miranda Lambert, what it was like to record at FAME studios in Muscle Shoals, and how they’re blending country, soul, gospel, and R&B. Learn more about your ad choices. Visit podcastchoices.com/adchoices…

Retirement Road Map

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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!

82 episode

Retirement Road Map

updated 8 hari yang lalu

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82 episode

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074: Tax Planning Strategies to Help Preserve Your Money in Retirement with Peter Roache, CPA 32:32

8 hari yang lalu32:32

32:32

When it comes to retirement planning, many people focus on investments, income strategies, and estate planning—but tax planning is one of the biggest factors that can impact your financial future. Without a proactive approach, taxes can take a bigger bite out of your retirement savings than you might expect. In this episode, Derek Gregoire and Matthew Peck are joined by Peter Roache, a tax expert and longtime partner of SHP Financial. Peter shares important insights on how taxes affect retirement planning, the impact of Required Minimum Distributions (RMDs), and how smart tax strategies—like Roth conversions and tax-loss harvesting—can help you keep more of your hard-earned wealth. We’ll also discuss how tax laws are evolving, why planning around IRMAA is key, and how to minimize taxes for your heirs when passing down assets. If you’re nearing retirement or already retired, this episode is packed with practical strategies to help you optimize your tax situation. In this podcast interview, you’ll learn: Why tax planning is one of the most overlooked aspects of retirement. How RMDs can push retirees into higher tax brackets. Why Roth conversions can be a powerful tool to reduce long-term tax burdens. How IRMAA can increase your Medicare premiums and what you can do to avoid it. How inherited IRAs are taxed and why proper planning is essential for your beneficiaries. The benefits of tax-loss harvesting and how to use it to offset capital gains. 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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073: Small Estate Planning Mistakes That Have a Massive Impact On Your Legacy with Keith McManus 30:46

22 hari yang lalu30:46

30:46

Estate planning isn’t just about protecting your wealth and passing it on to your beneficiaries—it’s about ensuring a seamless transition for your loved ones while minimizing taxes and legal complications. With tax laws constantly evolving and real estate values climbing, many families could face significant estate tax liabilities. And yet, most people often save their estate planning needs for another day. In this episode, Derek Gregoire and Keith Ellis, Jr. are joined by Keith McManus, a seasoned estate planning attorney with nearly 30 years of experience helping families protect their assets. As the founder of McManus Estate Planning , Keith specializes in trusts, tax-efficient strategies, and probate avoidance. His firm has been a trusted resource for families and business owners looking to optimize their estate plans, and he has been a great partner for us for many years. In our conversation, we’ll break down the most common estate planning mistakes, why Massachusetts residents need to be aware of the $2M estate tax threshold, and how to avoid probate headaches. You’ll also learn how small adjustments—like updating trusts, reviewing beneficiaries, and structuring assets properly can have a massive financial impact on your legacy. In this podcast interview, you’ll learn: Why the Massachusetts’ estate tax could kick in sooner than you think. Estate plans are only effective if they’re up-to-date with current information. How poor planning can lead to probate, delays, and extra costs. How married couples can double exemptions with proper planning. Why real estate values may eventually push estates into taxable territory. 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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072: Navigating the Emerging Asset Class of Bitcoin and Digital Assets with Ryan Lessard 39:35

5 weeks yang lalu39:35

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Bitcoin and digital assets are among the most debated, complex, and controversial asset classes on the market today. Despite being a polarizing topic, nobody can deny their growing importance in global finance and even in Trump's administration in the White House. That's why we're thrilled to have Ryan Lessard, a Digital Asset Strategist from Fidelity, on the podcast today. Ryan shares his expertise in this emerging asset class to unpack Bitcoin's unique characteristics, including its capped supply of 21 million coins, the blockchain technology behind it, and how it compares to traditional assets like gold. In our conversation, we discussed why Bitcoin has primarily appealed to younger investors and is particularly relevant in countries with economic instability and hyperinflation. We also explored Bitcoin's potential to diversify portfolios while addressing the challenges, the rapid pace of technological advancements, and the importance of staying curious and continually learning about this evolving space. Disclaimer: The information included in this material is for informational purposes only. SHP will not be held responsible for any detrimental reliance you place on this information. It is agreed that use of this information shall be on an "as is" basis and entirely at your own risk. In this podcast interview, you’ll learn: How Bitcoin combines decentralization and blockchain technology. How a capped supply ensures Bitcoin’s scarcity and ultimately, its value. Why younger investors are more likely to invest in digital assets. How Bitcoin offers stability in volatile economies. Crypto investing requires knowledge and caution and regulation is key for trust and growth. 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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071: A New Years Resolution to Retire With a Plan with Matthew Peck and Keith Ellis Jr. 28:16

7 weeks yang lalu28:16

28:16

It’s a new year, and what better way to kick things off in 2025 than by revisiting your financial plan or creating your first one. We’ve seen huge fluctuations in inflation, interest rates, and market swings in recent years, and having a plan is the best way to be prepared for when things change. Most people spend their working years grinding, saving, and looking forward to their retirement date. But when the moment actually arrives, many of them wind up feeling unprepared for what they’ll do with all the extra time and financial freedom. In this episode, SHP Financial’s Matthew Peck and Keith Ellis Jr. dive into the one resolution every retiree (or pre-retiree) needs to make this year: Start asking yourself questions now and paint a picture of your dream retirement. The SHP team is here to help answer those questions and give you the “why” behind our recommendations so you have confidence and know what’s possible in retirement. In this podcast interview, you’ll learn: Why so many retirees struggle with "What’s next?" once they stop working. The biggest mistakes people make when transitioning from a paycheck to financial independence. How to create a flexible retirement plan that lets you enjoy your money instead of worrying if it’s enough. The most overlooked financial factors that determines whether you’re truly free in retirement How comprehensive financial planning allows you to dream bigger with 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…

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Matt's Markets on the Move: January 2025 45:52

8 weeks yang lalu45:52

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Join SHP Co-founder Matthew C. Peck, CFP® CIMA® and Lead Advisor Laura Russo as they speak about what's happening in the markets in 2025!

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070: How Proactive Healthcare Planning Could Help Save Thousands in Retirement with Scott Hokanson 33:28

10 weeks yang lalu33:28

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Healthcare costs are one of the biggest financial challenges for retirees and pre-retirees. Many people work until they’re 65 just to transition into retirement with Medicare. And with healthcare costs so expensive, it’s easy to understand why. But what if your financial plan had those costs built into it so you could retire early? To explore this complex topic, we’re thrilled to have Scott Hokanson, Founder and President of Brabo Benefits, back on the podcast. We’ve worked with Scott for over 20 years and are grateful to share his expertise, insights, and strategies for helping retirees manage healthcare costs before and after age 65. In our conversation, we discuss the benefits of Medicare Advantage and Supplement Plans, how to navigate the tough decisions surrounding bridging employer plans and Medicare plans, and why healthcare planning is such a critical component of a comprehensive financial plan. In this podcast interview, you’ll learn: The shocking truth about Medicare costs and how to avoid surprises. Strategies for bridging your healthcare coverage before turning 65. Scott’s advice on purchasing dental and vision coverage with your insurance. Why Roth conversions can impact Medicare premiums—and when they make sense. The differences and benefits of Medicare Advantage vs. Supplement plans. 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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069: Preparing for College Education: Making Sense of Student Loans, 529 Accounts and FAFSA with Mark Kenney 34:12

12 weeks yang lalu34:12

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In recent years, there has been plenty of talk about the burden of paying for a college education, and student loan forgiveness has been a hot topic. If it’s in the news, then weighing on the minds of our clients. That’s why we’re so grateful to have Mark Kenney, CERTIFIED FINANCIAL PLANNER and CERTIFIED TAX SPECIALIST here at SHP Financial. With college tuition soaring, preparing for your children’s or grandchildren’s education is more important than ever. In our conversation, you’ll learn some shocking truths about how much student loan debt is being carried in the US, which assets are included in FAFSA’s (Federal Application for Student Aid) calculations, and which aren’t, and 529 accounts are a great way to save for college education. In this podcast interview, you’ll learn: Why most of the $1.75 trillion in student loan debt is being carried by people over 60 years of age. How to differentiate between the assets that are included and excluded in FAFSA applications. Some of the myths about 529 accounts and why they’re an important part of a college education plan. The eligibility requirements, interest rates and repayment terms of Parent PLUS loans. Mark’s advice on how to decide between helping to pay for college education vs leaving a legacy with your 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…

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068: Post-Election Market Update: What SHP Financial is Keeping an Eye On with Matthew Peck 16:37

14 weeks yang lalu16:37

16:37

Now that the 2024 Election is in the books, we know that a new and yet familiar President-elect will take control of the Whitehouse in 2025. So, what does that mean for your investments and finances? To help answer that question, Matthew Peck highlights some of the economic factors that SHP Financial will be keeping a close eye on that will impact the markets. While inflation and taxes have been hot topics for some time now, many people are undoubtedly concerned about what the next administration will do to address these issues. In this episode, Matthew breaks down the state of the U.S. economy, how tariffs impact the cost of consumer goods, and how new corporate tax cuts could negatively impact inflation. In this podcast interview, you’ll learn: The state of our economy in terms of GDP, inflation, and jobs in late 2024–and how this will influence policy in the years to come. How Trump’s proposed tariffs could dramatically drive up prices for American consumers. Possible loopholes to be created by new tax codes. How difficult it is to cut taxes while still addressing inflation and the national debt. How mass deportations, if they happen, will massively reshape America’s labor industry. 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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067: How Roth Conversions Help Reduce Income Taxes in Retirement with Nick Nelson 42:47

16 weeks yang lalu42:47

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If you’ve been following the podcast, you’ve likely heard us talk about Roth conversions many times. At SHP, we use Roth conversions as a tool on a daily basis. But it occurred to us, a lot of our listeners might not fully understand what it means or might not be aware of the pros and cons to completing a Roth conversion. So we decided to dedicate a full episode on this very topic today. In this episode, Matthew Peck is once again joined by Nick Nelson, VP of Advisory Solutions at SHP Financial. Together, they'll cover all the basics and the ins and outs of why Roth conversions are such an important tool that we use in our financial planning process. Matt and Nick dive deep into the mechanics of a Roth conversion, who benefits the most from them, and when the best time for a retiree or pre-retiree should consider a Roth conversion to minimize taxes in retirement. In this podcast interview, you’ll learn: What money gets converted when moving into a Roth IRA. Key factors to consider before doing a Roth conversion. How a Roth conversion potentially creates additional flexibility down the road. The best time to consider a Roth conversion. When the Tax Cuts and Jobs Act (TCJA) will expire and what that means for investors. 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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066: How to Change the World in Retirement with Matt Glynn 32:52

18 weeks yang lalu32:52

32:52

You’ve had a successful career, you’ve invested well, and you have everything you need to live comfortably in retirement. Sounds perfect, right? While that would be a dream scenario for some, others often want to do more by giving back and paying it forward. Such is the case with today’s returning guest. Matt Flynn owned Glynn Electric for over 30 years, serving Massachusetts, Rhode Island, and New Hampshire residents. But today, he’s the VP of Project Trinitē, a non-profit organization on a mission to connect remote communities with global employment opportunities through the deployment of cost-effective globally connected work centers. In today’s episode, Matthew Peck is also joined by SHP Financial’s Laura Russo to talk about the great things Matt Glynn and Project Trinitē are doing abroad and what compels and motivates him to give back to help those in need. He also shares some excellent advice for anyone who is interested in charitable work and what he looks for in a charity before making donations. In this podcast interview, you’ll learn: Matt’s advice on where to start when choosing a charitable organization to give to. How his work experience has been an asset in getting projects off the ground in several countries. How Project Trinitē helps by empowering the people they serve to support themselves. That’s it’s okay to say no and protect your time once you get involved in charitable work. 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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Matt's Markets on the Move: October 2024 38:40

21 weeks yang lalu38:40

38:40

Join SHP Co-founder Matthew C. Peck, CFP® CIMA® and Lead Advisor Laura Russo as they take a moment to reflect on Q4 and prepare for 2025!

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065: Why Elections Shouldn’t Change Your Investing Mindset with David Hathaway 23:39

21 weeks yang lalu23:39

23:39

In just a few weeks, Americans will vote to decide who will become the next President. With all the commercials and political coverage dominating our screens, it’s easy to get caught up in the media circus during the election season. It’s also difficult to determine how much elections should weigh on your mind, as well as your investing strategies and retirement plans. In today’s episode, SHP Financial’s Matthew Peck and David Hathaway discuss how our elections impact the economy and your investing mindset. We’ve been hearing about market volatility, inflation, and a potential recession for some time now, but is it all doom and gloom? In this conversation, we dive into why we let elections influence our investing decisions, the roles that our elected officials have in shaping our economy, and what to pay attention to and what to ignore in the weeks ahead before the next President is elected. In this podcast interview, you’ll learn: How much impact presidents (and presidential elections) have on our economy–and why it’s actually less than you think. Why Congressional and local elections are equally or maybe even more important than who is elected as President. The downside of letting elections influence your investing mindset and overall outlook on the economy. 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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064: Examining Nvidia’s Impact on AI and the Technological Revolution with Raphael Hanna 34:06

23 weeks yang lalu34:06

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This new age of AI is undoubtedly one of the most significant advancements in technology that we’ve seen since the dot-com boom in the 1990s. Whether we like it or not, it’s already here and growing in popularity. In today’s episode, we’ll examine the impact that Nvidia is having on the AI revolution and things to consider when adding tech stocks to your portfolio. Joining Matthew Peck for this conversation is SHP Financial’s Raphael Hanna. Together, they share valuable insights to help you better understand why Nvidia is at the forefront of the latest boom in technology. You'll learn how Nvidia pivoted from gaming and graphics to become the leading supplier of AI hardware and software, the importance of portfolio diversification and the risk of overexposure when purchasing a tech stock like Nvidia, and what makes the boom in artificial intelligence technology different from the dot-com bubble. In this podcast interview, you’ll learn: How Nvidia’s market capitalization has grown from $350B to 3 trillion dollars in the past 18 months. How Microsoft is directly responsible for 19% of Nvidia’s annual revenue. The amount of exposure (and risk) that investors holding growth or index funds already have in Nvidia. Why Nvidia’s revenue is declining in China, but growing exponentially in the U.S. What makes the boom in AI different from the dot-com bubble and likelihood of the AI bubble bursting. Reasons for tempering expectations for the long-term with companies that report huge short-term gains. 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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062: Legacy Planning Strategies to Secure Your Wealth with Matthew Karr, Esq 40:46

27 weeks yang lalu40:46

40:46

If you’ve made smart financial decisions, secured your nest egg for retirement, and accumulated enough wealth to leave behind, you’ll undoubtedly have questions about minimizing estate taxes. It’s one thing to pay your fair share of taxes, but nobody wants to send more money to Uncle Sam than they have to. And that’s where having expert advice can help save thousands of dollars and leave more to your loved ones than the government. Here to share some strategies to create a tax-efficient legacy plan is Attorney Matthew Karr of the Heritage Law Center. We’ve been working with him for nearly 10 years, and we’re thrilled to have him on the podcast today. In this conversation, we dig into the key elements an estate and legacy plan, strategies to minimize estate taxes, and what to look out for in the wake of the latest changes to the tax code. In this podcast interview, you’ll learn: How estate taxes are structured and how they work. Helpful tips for naming a trustee to settle your estate. How gift taxes and gift exemptions work to safely pass on money tax-free. Why every financial and tax situation requires a unique approach. 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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061: Questions to Ask When Adding Alternative Investments to Your Portfolio with Mike Prescott 31:57

29 weeks yang lalu31:57

31:57

Alternative investments: Perhaps you’ve heard of them or even dabbled with them in your portfolio. The alternative marketplace has grown rapidly over the past few decades, with no signs of stopping. If you have questions about what they are and how they can add value to your portfolio, we’ve got you covered. We’re excited to have Mike Prescott on the podcast today to help guide us through this landscape. Mike is a Trading Specialist here at SHP Financial and a level 2 CAIA (Chartered Alternative Investment Analyst) with over 10 years of experience in the industry. In this episode, Mike walks us through some of the most common types of alternative investments (including private equity and private credit), how to determine when investing in alternatives is right for you, and the critical questions you need to ask any advisor before you take the plunge in the alternatives marketplace that continues to grow in popularity. In this podcast interview, you’ll learn: What defines alternative asset classes and the five most common types. What alternative asset classes all have in common–and what sets them apart. Questions to ask any advisor managing an alternative investment before making those decisions. The three common structures for alternative asset classes. How Trading Specialists like Mike vet alternative assets before recommending them to clients. 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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