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

Connect With Us on Social

• Facebook
• LinkedIn
• YouTube

Estate planning is arguably the most important of the five areas of financial planning. When protecting your legacy, having a comprehensive financial plan is only half the battle. Without the proper legal documents—wills, trusts, powers of attorney—you risk leaving behind confusion, the lengthy probate court process, and unintended tax burdens for your loved ones.

Today’s episode features “Two Matts” as SHP Financial co-founder Matthew Peck welcomes Matthew Karr back to the podcast. Matt Karr is the founder and principal attorney of the Heritage Law Center in Woburn, Massachusetts, who’s been a tremendous resource and ally for us and our clients for many years. With more than 15 years of experience in estate planning and elder law, Matt Karr has helped countless families ensure their wishes are fulfilled and their wealth and legacy are protected.

You’ll hear Matt Karr break down the differences between wills and trusts, the benefits of using irrevocable trusts for asset protection, and actionable tips to help your beneficiaries avoid probate court when planning your estate. You’ll also learn valuable insights for safely and securely storing your estate documents and why working with an attorney will help your loved ones settle your affairs the way you intended.

In this podcast interview, you’ll learn:

• The key differences between wills and revocable vs. irrevocable trusts—and when each is appropriate.
• How irrevocable trusts can help protect your assets from lawsuits, creditors, and nursing home costs.
• Why the 30 day waiting period is necessary prior to starting the estate process.
• How unsecured debts that credit card bills and some medical bills are treated in an estate without sufficient assets.
• The importance of retaining original copies of estate documents and tips for storing them in a secure but accessible way.
• Why reviewing and updating your estate plan regularly is essential as laws, assets, and life circumstances evolve.

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

Connect With Us on Social

• Facebook
• LinkedIn
• YouTube

In this quarter's episode of “Matt’s Markets on the Move,” hosts Laura Russo and Matthew Peck discuss various critical aspects of the financial markets, including the impact of recent tariffs, the importance of diversification, and the overall state of the economy.