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

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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

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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 Lead Planner 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

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