074: Tax Planning Strategies to Help Preserve Your Money in Retirement with Peter Roache, CPA
Release Date: 02/26/2025
094: What Investors Should Consider Before Adding Gold Assets to Their Portfolios with David Hathaway
Retirement Road Map
For many investors, 2025 has raised difficult questions about safety, inflation, global instability, and how to protect wealth in an increasingly unpredictable environment. With gold posting some of its strongest performance in decades, many are wondering whether it belongs in their portfolios. So today, SHP Financial’s Matthew Peck is joined by Senior Portfolio Analyst David Hathaway to break down the factors behind gold’s surge. From geopolitical tensions to inflation concerns, David explains why gold has historically served as a store of value, how it behaves in crisis periods, and why...
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093: The Importance of Building Strong Savings Habits for Young Investors with Nick Nelson
Retirement Road Map
For many young adults and new parents, getting their savings or investment plans started can feel intimidating. Despite all the information available online, most don’t realize that setting aside small amounts early—$25 a week or $100 a month—can grow into a lifetime of financial security through the power of compound interest. In today’s episode, SHP’s VP of Advisory Solutions, Nick Nelson, is back to explain why building strong saving habits early makes a huge difference later in life. He details simple steps for young savers, how low-cost index funds help, and why consistency...
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092: The Emergence of Private Equity, Private Credit & Alternatives with BlackRock’s Jon Diorio
Retirement Road Map
For many investors approaching or navigating retirement, the world of private markets can feel intimidating. Over the past 30 years, the number of public companies in the capital markets has declined by 30% while private markets have grown at the same rate. This means failing to understand the rapidly growing asset class of private markets and alternatives could mean missing opportunities for diversification, income, and potential returns in retirement. In this episode, we’re welcoming Jon Diorio, Head of Alternatives for BlackRock’s U.S. wealth management business. Jon shares valuable...
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091: Estate Planning Essentials: How Trusts & Gifting Protect Your Legacy with Attorney David Chaves
Retirement Road Map
For many families, estate planning creates a feeling of anxiety, which is a big reason why they put it off for another day. From probate costs to nursing home spend-downs, failing to plan can leave loved ones vulnerable to unnecessary taxes, legal fees, and stress. In this episode, SHP’s Laura Russo is joined by returning guest Attorney David Chaves to share actionable tips and strategies for reducing estate taxes. Dave discusses how his real-life experiences shaped his commitment to helping families secure their financial futures and preserve what they’ve worked for. Together, they unpack...
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090: Going Beyond the Portfolio: Transitioning Into Retirement with Confidence with Kyle Britton
Retirement Road Map
For most of your life, retirement planning has likely centered around saving and building wealth. But what happens when the paychecks stop and it’s time to start replacing your income withdrawing from your retirement savings and investments? In this episode, SHP Financial Co-Founder Derek Gregoire is joined by Kyle Britton, Lead Advisor at SHP Financial. Together, they explore what it truly means to go beyond the Xs and Os of investing and step into retirement with purpose, clarity, and confidence. You’ll hear Derek and Kyle talk about how the biggest retirement challenges are often...
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Matt's Markets on the Move Q3: October 2025
Retirement Road Map
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089: The Future of Fannie Mae and Freddie Mac and What Privatization Could Mean for Homebuyers with Nathan Hartseil
Retirement Road Map
The housing market has undergone significant changes in recent years, leaving many homeowners and prospective buyers feeling uncertain about its future direction. Interest rates have risen from historic lows, making affordability a pressing issue, and discussions about the possible privatization of Fannie Mae and Freddie Mac are sparking new concerns about the future of housing and mortgages in America. In this episode, we welcome back Nathan Hartseil of Main Street Home Loans. Nate explains the complex role of Fannie Mae and Freddie Mac in the housing market, including how they provide...
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088: The Importance of Retirement Planning for Women and Widows with Alina Osokhovska, CFP®
Retirement Road Map
Losing a spouse is one of life’s most painful experiences, and in the midst of grief, surviving partners are often faced with overwhelming financial decisions. From settling estates to adjusting to changes in income, the process can feel like an impossible burden to carry alone. Without a plan in place, surviving spouses may find themselves vulnerable to financial missteps at a time when clarity is hardest to find. In this episode, SHP Financial’s Derek Gregoire is joined by Planning Advisor Alina Osokhovska, CFP® to explore the critical importance of financial planning for widows. With...
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087: How Death Doulas Help Families Navigate End-of-Life with Love & Compassion with Aimee Yawnick
Retirement Road Map
Death is one of life’s certainties, yet it remains one of the hardest subjects to talk about. Many families avoid end-of-life conversations out of fear, discomfort, or superstition. Unfortunately, this avoidance can lead to increased stress, resentment, and regret when the time comes to make critical decisions. So how do we make the process smoother, less overwhelming, and more meaningful? In this episode, Matthew Peck is joined by Aimee Yawnick, a practicing death doula and founder of Leaving in Love. Drawing from her personal journey, Aimee shares what it means to “hold space” at the...
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086: Career Insights for New Grads Aspiring to Become Financial Advisors with Raphael Hanna
Retirement Road Map
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...
info_outlineWhen 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
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