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 beats market timing for long-term success.

In this conversation, you'll also learn the best vehicles for helping children build long-term wealth—from 529 plans and UTMAs to custodial Roth IRAs—and how families can begin meaningful, healthy conversations around money. They also discussed other important topics, such as when a young investor may need an advisor, how to create financial goals effectively, and why a simple, consistent plan can make early savers dramatically more successful over a lifetime.

In this podcast interview, you'll learn:

• Why starting your savings plans early—even with small amounts—creates extraordinary long-term advantages.
• How compound interest can turn $100 or $250 per month into millions over a lifetime.
• The best accounts for young savers, including 401(k)s, Roth IRAs, brokerage accounts.
• How parents and grandparents can use 529 plans, UTMAs, and custodial Roth IRAs to help with their children's education costs.
• Why timing the market is a losing game and what young investors should do instead.
• How to keep investing simple by using low-cost index funds and long-term discipline.
• When a young investor may need a financial advisor and when they might not.

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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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 insights into the massive shift in capital markets and explains why private equity, private credit, and other alternative investments are becoming increasingly relevant for everyday investors—not just institutions.

In this conversation, Jon breaks down the trends driving private market growth, the different types of alternative investments investors should have on their radar, how new product structures have improved accessibility, and what today's retirees should know before considering alternatives and private markets in their portfolios.

In this podcast interview, you'll learn:

• Why private companies now outnumber public companies and what that means for diversification.
• How private credit has surged as banks retreat from lending.
• The benefits and tradeoffs of new "evergreen" and semi-liquid fund structures.
• Why due diligence, liquidity awareness, and manager selection matter in alternatives.
• How BlackRock's HDMA framework (Hedge, Diversify, Modify, Amplify) helps identify the right type of alternative investment for your goals.
• What investors should know before adding private equity or private credit to their retirement plan.

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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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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 the differences between revocable and irrevocable trusts, how often an estate plan should be updated, and effective ways to reduce your estate's value through gifting and education savings.

Whether you're protecting a family home or simply hoping to pass more to your loved ones, this episode will give you the clarity to take action now—before it's too late.

In this podcast interview, you'll learn:

• Why wills often guarantee probate and how trusts can help your family avoid it.
• The key differences between revocable and irrevocable trusts.
• How the Massachusetts estate tax exemption has changed and what it means going forward.
• The benefits of A-B trusts and how they preserve more of your wealth.
• How Charitable Remainder Trusts and gifting strategies can reduce taxes while building 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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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 psychological, not financial. They discuss why so many retirees struggle to give themselves permission to spend what they've earned, and how purpose and identity—two things often tied to careers—must be redefined as we enter this next phase of life.

Drawing from real client stories and recent research, Kyle highlights what truly drives happiness in retirement and how to create a plan that supports both your finances and your fulfillment.

In this podcast interview, you'll learn:

• Why retirement planning goes far beyond investments and tax strategies.
• The biggest psychological hurdle retirees face: giving themselves permission to spend.
• How to shift your mindset from "Do I have enough?" to "What's possible?" in retirement.
• The four key ingredients of a fulfilling retirement, according to a recent MassMutual study.
• How to redefine your purpose and legacy in the next chapter of your life.

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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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.

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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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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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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 end-of-life, how to navigate powerful emotions such as grief, guilt, and even relief, and why these conversations are the greatest gift we can give to loved ones.

We also discussed Aimee's six-week course, What Matters Most, which guides participants through a process of envisioning their final 90 days. From legacy letters and videos to healing old relationships, Aimee explains how facing mortality can change the way we live — and not just how we prepare to die.

Whether you're in retirement, caring for an aging loved one, or looking for ways to get started with end-of-life planning, this conversation has a ton of valuable insights that will help you and others navigate this challenging aspect of life and death.

In this podcast interview, you'll learn:

• What a death doula is and the value they add for families.
• Why avoiding conversations about death often creates a bigger burden for loved ones.
• How "holding space" provides comfort and calm during life's most difficult moments.
• The importance of legacy planning through letters, videos, and rituals.
• How the What Matters Most course helps people align values with end-of-life decisions.
• Why planning early and before a crisis leads to greater peace of mind.

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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