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.

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

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 A landmark bipartisan bill has repealed the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO), placing more money into the pockets of retirees across the country.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.

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 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

Connect With Us on Social

• Facebook
• LinkedIn
• YouTube