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.

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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 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.

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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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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

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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.

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.

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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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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.

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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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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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