『Retirement Road Map』のカバーアート

Retirement Road Map

Retirement Road Map

著者: Derek Gregoire Keith Ellis and Matthew Peck
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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!© 2021 SHP Financial 個人ファイナンス 経済学
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  • Matt's Markets on the Move Q3: October 2025
    36 分
  • 089: The Future of Fannie Mae and Freddie Mac and What Privatization Could Mean for Homebuyers with Nathan Hartseil
    2025/10/08

    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 liquidity and stability, why they have remained under government conservatorship since 2008, and what could happen if they were to transition to private control.

    From the potential impact on interest rates and borrowing standards to how privatization could shape opportunities for first-time buyers, investors, and empty nesters, Nate shares his thoughts and insights into how this shift could affect anyone who may need mortgage financing in the near future.

    Whether you’re considering buying your first home, refinancing, or making a change in retirement, this conversation sheds light on a pivotal topic that could redefine the housing landscape for years to come.

    In this podcast interview, you’ll learn:

    • Why Fannie Mae and Freddie Mac were placed under government conservatorship in 2008 and their role in stabilizing the housing market.
    • How privatization could impact mortgage rates for both borrowers with healthy and unhealthy credit scores.
    • The effect of higher interest rates on affordability, refinancing, and downsizing decisions.
    • What the return and popularity of non-qualified mortgages means for today’s lending environment.
    • The innovation and challenges that competition from private investors could bring to the mortgage 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

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    25 分
  • 088: The Importance of Retirement Planning for Women and Widows with Alina Osokhovska, CFP®
    2025/09/24

    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 years of experience guiding families through difficult transitions, Alina explains how proper planning can bring stability, reduce stress, and provide widows with the confidence to focus on healing rather than paperwork.

    In this conversation, Derek and Alina unpack the key financial considerations after the loss of a spouse, from estate settlement and tax bracket changes to Social Security benefits and cash flow adjustments. They also discuss proactive strategies for couples to ensure that if the unthinkable happens, surviving spouses are not left unprotected.

    Whether you are preparing for the future or currently walking through loss, this episode offers compassionate guidance and practical steps to ease the burden during one of life’s most difficult transitions.

    In this podcast interview, you’ll learn:

    • Why women are statistically more likely to become widows and the financial challenges that come with it.
    • The critical first steps when settling an estate after the loss of a spouse.
    • How income and cash flow change when pensions, Social Security, or other benefits are reduced or lost.
    • The hidden tax consequences widows often face and how proactive planning can help mitigate them.
    • Advanced planning strategies for couples, including estate exemptions, step-up in basis, and inherited IRA considerations.

    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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    • Facebook
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    • YouTube
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    23 分
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