If you’ve been following the podcast, you’ve likely heard us talk about Roth conversions many times. At SHP, we use Roth conversions as a tool on a daily basis.

But it occurred to us, a lot of our listeners might not fully understand what it means or might not be aware of the pros and cons to completing a Roth conversion. So we decided to dedicate a full episode on this very topic today.

In this episode, Matthew Peck is once again joined by Nick Nelson, VP of Advisory Solutions at SHP Financial. Together, they'll cover all the basics and the ins and outs of why Roth conversions are such an important tool that we use in our financial planning process.

Matt and Nick dive deep into the mechanics of a Roth conversion, who benefits the most from them, and when the best time for a retiree or pre-retiree should consider a Roth conversion to minimize taxes in retirement.

In this podcast interview, you’ll learn:

• What money gets converted when moving into a Roth IRA.
• Key factors to consider before doing a Roth conversion.
• How a Roth conversion potentially creates additional flexibility down the road.
• The best time to consider a Roth conversion.
• When the Tax Cuts and Jobs Act (TCJA) will expire and what that means for investors.

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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You’ve had a successful career, you’ve invested well, and you have everything you need to live comfortably in retirement. Sounds perfect, right? While that would be a dream scenario for some, others often want to do more by giving back and paying it forward. Such is the case with today’s returning guest.

Matt Flynn owned Glynn Electric for over 30 years, serving Massachusetts, Rhode Island, and New Hampshire residents. But today, he’s the VP of Project Trinitē, a non-profit organization on a mission to connect remote communities with global employment opportunities through the deployment of cost-effective globally connected work centers.

In today’s episode, Matthew Peck is also joined by SHP Financial’s Laura Russo to talk about the great things Matt Glynn and Project Trinitē are doing abroad and what compels and motivates him to give back to help those in need. He also shares some excellent advice for anyone who is interested in charitable work and what he looks for in a charity before making donations.

In this podcast interview, you’ll learn:

• Matt’s advice on where to start when choosing a charitable organization to give to.
• How his work experience has been an asset in getting projects off the ground in several countries.
• How Project Trinitē helps by empowering the people they serve to support themselves.
• That’s it’s okay to say no and protect your time once you get involved in charitable work.

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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Join SHP Co-founder Matthew C. Peck, CFP® CIMA® and Lead Advisor Laura Russo as they take a moment to reflect on Q4 and prepare for 2025!

In just a few weeks, Americans will vote to decide who will become the next President. With all the commercials and political coverage dominating our screens, it’s easy to get caught up in the media circus during the election season. It’s also difficult to determine how much elections should weigh on your mind, as well as your investing strategies and retirement plans.

In today’s episode, SHP Financial’s Matthew Peck and David Hathaway discuss how our elections impact the economy and your investing mindset. We’ve been hearing about market volatility, inflation, and a potential recession for some time now, but is it all doom and gloom?

In this conversation, we dive into why we let elections influence our investing decisions, the roles that our elected officials have in shaping our economy, and what to pay attention to and what to ignore in the weeks ahead before the next President is elected.

In this podcast interview, you’ll learn:

• How much impact presidents (and presidential elections) have on our economy–and why it’s actually less than you think.
• Why Congressional and local elections are equally or maybe even more important than who is elected as President.
• The downside of letting elections influence your investing mindset and overall outlook on the economy.

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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This new age of AI is undoubtedly one of the most significant advancements in technology that we’ve seen since the dot-com boom in the 1990s. Whether we like it or not, it’s already here and growing in popularity. In today’s episode, we’ll examine the impact that Nvidia is having on the AI revolution and things to consider when adding tech stocks to your portfolio.

Joining Matthew Peck for this conversation is SHP Financial’s Raphael Hanna. Together, they share valuable insights to help you better understand why Nvidia is at the forefront of the latest boom in technology.

You'll learn how Nvidia pivoted from gaming and graphics to become the leading supplier of AI hardware and software, the importance of portfolio diversification and the risk of overexposure when purchasing a tech stock like Nvidia, and what makes the boom in artificial intelligence technology different from the dot-com bubble.

In this podcast interview, you’ll learn:

• How Nvidia’s market capitalization has grown from $350B to 3 trillion dollars in the past 18 months.
• How Microsoft is directly responsible for 19% of Nvidia’s annual revenue.
• The amount of exposure (and risk) that investors holding growth or index funds already have in Nvidia.
• Why Nvidia’s revenue is declining in China, but growing exponentially in the U.S.
• What makes the boom in AI different from the dot-com bubble and likelihood of the AI bubble bursting.
• Reasons for tempering expectations for the long-term with companies that report huge short-term gains.

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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If you’ve made smart financial decisions, secured your nest egg for retirement, and accumulated enough wealth to leave behind, you’ll undoubtedly have questions about minimizing estate taxes.

It’s one thing to pay your fair share of taxes, but nobody wants to send more money to Uncle Sam than they have to. And that’s where having expert advice can help save thousands of dollars and leave more to your loved ones than the government.

Here to share some strategies to create a tax-efficient legacy plan is Attorney Matthew Karr of the Heritage Law Center. We’ve been working with him for nearly 10 years, and we’re thrilled to have him on the podcast today.

In this conversation, we dig into the key elements an estate and legacy plan, strategies to minimize estate taxes, and what to look out for in the wake of the latest changes to the tax code.

In this podcast interview, you’ll learn:

• How estate taxes are structured and how they work.
• Helpful tips for naming a trustee to settle your estate.
• How gift taxes and gift exemptions work to safely pass on money tax-free.
• Why every financial and tax situation requires a unique approach.

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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Alternative investments: Perhaps you’ve heard of them or even dabbled with them in your portfolio. The alternative marketplace has grown rapidly over the past few decades, with no signs of stopping. If you have questions about what they are and how they can add value to your portfolio, we’ve got you covered.

We’re excited to have Mike Prescott on the podcast today to help guide us through this landscape. Mike is a Trading Specialist here at SHP Financial and a level 2 CAIA (Chartered Alternative Investment Analyst) with over 10 years of experience in the industry.

In this episode, Mike walks us through some of the most common types of alternative investments (including private equity and private credit), how to determine when investing in alternatives is right for you, and the critical questions you need to ask any advisor before you take the plunge in the alternatives marketplace that continues to grow in popularity.

In this podcast interview, you’ll learn:

• What defines alternative asset classes and the five most common types.
• What alternative asset classes all have in common–and what sets them apart.
• Questions to ask any advisor managing an alternative investment before making those decisions.
• The three common structures for alternative asset classes.
• How Trading Specialists like Mike vet alternative assets before recommending them to clients.

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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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What’s happening in the markets? What indicators should we look at right now, and what can we expect to see in the coming months?

In today’s episode, Matthew Peck is joined once again by SHP Financial’s Laura Russo to answer these questions in a special podcast edition of our quarterly update.

We’ll explore how AI continues to power large-cap positions, what to expect from the Feds with potential interest rate cuts, and what that means for the bond markets. Matt also shares an important message as we steam full speed ahead into another election and the impact that changes in the government have on the markets. Enjoy!

In this podcast interview, you’ll learn:

• Why we still recommend people own bonds–and why they deserve their place in a diversified portfolio.
• Why indicators show that global economies are continuing to do well despite worldwide political uncertainty.
• How AI spending is expected to transform our economy over the next 5-10 years.
• Why 10 companies are driving 37% of the S&P 500 right now–and why this could be worrisome.
• The dangers of FOMO when it comes to rational investing.

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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