A well-organized financial plan is part of a well-organized lifestyle. If you can’t find things in your home, you might not be able to find them in writing, either. We amass gadgets, clothes, documents, and so much else in life … so, what can we do about it? 

To answer that question, we’re thrilled to be talking with Mara Bangura. Mara is the owner of Green Earth Organizing, where she helps people, quite literally, get organized and declutter.

In this episode, Mara walks us through how she helps people respectfully part ways with all the stuff we amass in life, how to help friends and family declutter when a loved one passes, and how to apply these strategies both at home and at work. 

In this podcast interview, you’ll learn:

• How to give a second life to once-loved objects while also getting them out of your house. 
• What it means to Death Clean–and the difference between legacies you do and don’t want to leave.
• Why it’s so important to go at your own pace–even if it means clearing out one room at a time.

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At SHP Financial, we provide income, investment, tax, health care, and estate planning and help build effective portfolios. Today’s podcast is all about annuities. When they might make sense for you and when they wouldn’t.

Annuities are a big buzzword lately. Some advisors love them, and others steer clear of recommending them. So we’ve written a Guide to Annuities and made it a free download on our website to improve your knowledge and comfort level of them.

With that in mind, we’re joined by Joe Anderson. Joe’s been a financial advisor at SHP since 2015 and is very well versed on the pros and cons of annuities. We dig into how annuities have become such a controversial investment tool, how to determine if annuities could be a good fit for you, and how to find the right products for your portfolio. 

In this podcast interview, you’ll learn:

• Why some financial advisors only sell annuities and why others rarely ever recommend them. 
• The four major types of annuities and how they’re typically used.
• The potential benefits–and major downsides–of using annuities. 

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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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A well-built health savings account (HSA) can be a powerful part of your retirement portfolio. But there are things that everyone should know to make sure they are maximizing the benefits and getting the most from these accounts.

With that in mind, we’re not just calling in an expert. We’re calling in Bill Stuart, author of HSAs: The Tax Perfect Retirement Account. He’s one of the world’s leading authorities on this topic, and his understanding of HSAs is truly on another level.

In today’s conversation, we’re talking about the tremendous tax benefits of HSAs, what makes these accounts “triple tax-free,” who can use HSAs (and how to use one if you’re eligible), and some basic strategies you can employ at any stage of life to invest for long-term success.

In this podcast interview, you’ll learn:

• Why the HSA was created in 2004.
• The differences between HSAs and FSAs–and why the HSA is often much more valuable.
• What’s covered by an HSA and what might disqualify you from using an HSA.
• How HSAs work if you’re self-employed.
• What you need to know about rolling an HSA into an IRA or passing it on to your heirs. 

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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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If you've invested money in the stock market over the past 10 or 15 years, you've likely felt stressed when looking at your portfolio's wild dips and swings. It's easy to feel like you can never make a good decision or overcorrect in the face of a drastic downturn. 

This is why we're so fortunate to have William Malagodi on our team at SHP. He's our Director of Investment Operations and digs deep into money management so our clients can focus on living and dreaming. 

In this conversation, you'll learn how William survived trial by fire joining the financial industry during the crisis of 2008, why it's so hard to be a DIY-er in today's economy, and the scrutiny and due diligence that goes into every transaction with client portfolio construction here at SHP. 

In this podcast interview, you’ll learn:

• The difference between a broker-dealer and a registered investment advisor. 
• Why looking at a financial plan isn’t just about investment assets–and how changes to the tax code and other laws impact clients’ plans each and every year.
• What manager selection is and how it plays a role in portfolio construction.
• How we do due diligence when clients make investment requests.

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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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The financial landscape can feel like it is always evolving, and 2023 is no exception. As we head into Quarter 2, join us in welcoming our Co-founder, Matthew Peck, CFP®, CIMA®, as he shares his insight so that we can be confident to weather any storm.

Every client should have a plan for their income, investments, taxes, health care, and legacy. Unfortunately, most firms just offer products and rarely help implement strategies in each of these areas of life–which is why it’s so important to us at SHP Financial.

With that in mind, I’m excited to be joined by Laura Russo and Natalia Carmago to give you a behind the scenes look at how we set our clients up for long-term success. Laura comes from the world of trust administration at a major bank, where she worked with ultra high net worth clients, and Natalia brings decades of experience from a large investment firm. 

In this episode, we dig into what goes into our client review process, how we create whole-person plans for our people, what your first meeting with us might look like, and the value of keeping things small. 

In this podcast interview, you’ll learn:

• Why so many firms don’t give their clients a comprehensive picture of their life, health, or finances through their offerings. 
• What happens in the typical first meeting–and why it’s all about getting to know the client, and not the other way around.
• The difference between reactive and proactive planning.

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When a first responder arrives on the scene, they don’t always have the privilege of knowing exactly what to expect. And many of these calls are high pressure situations where seconds can make the difference between life and death.

First responders provide protection to their community, but there is also a need for them to provide protection for their families should anything happen to them at the scene or even years later.

That's why we’re thrilled to be joined by Keith McManus and Dave Chaves. Keith and Dave are attorneys from McManus Estate Planning, and they know how difficult it is for a family to settle an estate when a family is already suffering and recovering from a tragic event.  

In this episode, we dig into the importance of estate planning for first responders, why estate planning is important for adult children, and why meeting with an expert estate planner is crucial to make sure everything is done properly so that you and your family are protected.

In this podcast interview, you’ll learn:

• The benefits of having a will and the added benefits of having a trust.
• The key components of living trusts for first responders.
• How to start the estate and trust planning process.
• How to incorporate your family’s values into its estate planning documents.

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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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In today’s world, we tend to throw the words legend and legendary around as casually as we might with a baseball in our backyard. This is not one of those days.

We couldn’t be more thrilled to share this episode with an absolute legend and icon in Boston Sports radio, TV, media, and film, Mr. John Dennis. John’s career in the Boston sports world started in the 1970s and continued into the 90s and 2000s with the Dennis and Callahan morning radio show. 

He’s won several Emmys and other broadcasting awards in his storied career with WEEI, with roles as weekend and weekday sports anchor, producer, and director. He’s also made a huge impact with his charitable work with the Jimmy Fund, the Cystic Fibrosis Foundation, and on the board of directors of the Mutual Funds Against Cancer Organization. 

If sports has been a big part of your life over the past 50+ years, even if you haven’t lived in the Boston area, John’s voice is likely a familiar one. He’s interviewed legendary sports figures and been on the scene (and behind the scenes!) to cover some of the most memorable moments in sports history. Anyone who has been able to have access to Tom Brady and Bill Belichick on the Patriots Monday radio call every single week-win, lose or draw-during their tremendous run undoubtedly has achieved legendary status with some epic stories to tell.

In this conversation, we go back to the beginning of his career as he paints a picture with great detail of what some of the most memorable moments in sports looked like from his seat. From the great Celtics runs in the 70s and 80s, golfing with the greats, his cameos in the Farrelly Brothers’ movies, being on the air during the tragedy on 9/11, and how he overcame his battle with alcoholism. As they say, he’s been there and done that, and we’re thankful to have him with us today.

Even if you’re not a sports fan, there’s a little something for everyone. There’s a backstory to every big story, and they’re being brought to you today by one of the greatest voices in Boston Sports, John Dennis.

In this podcast interview, you’ll learn:

• How Derek and John met and the role that golf has played in their friendship.
• The lesson that John learned from his father and how John discovered his love for sports broadcasting.
• How John’s work ethic and passion was a huge factor in leaving Kansas City to work in Boston.
• How John was able to have incredible access to boxing legend Marvin Hagler.
• Some behind the scenes moments from the most amazing prize fight at the time, Hagler vs Hearns.
• How he met John Havlicek and how his access to the Celtics teams grew over the years.
• Stories of Larry Bird that you won’t want to miss.
• What it was like behind the scenes of the 1986 World Series with the Red Sox and Mets and the events that took place after the Bill Buckner play.
• The incredible memories of golfing with Lee Trevino and Greg Norman.
• What it was like to be on the air during the tragedy on  9/11.
• How Patriots Monday came to be and how his access to Tom Brady led to their friendship.
• The incredible moment when John reached out to Tom Brady after learning that his good friend and Patriots Superfan was near the end of his battle with ALS.
• How John was a highly functioning alcoholic and the moment that he knew he had to get help.
• How he became friends with the Farrelly brothers and how he landed his role in Kingpin.

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With income tax season in the rearview, some people tend to shift their focus to saving toward a child's education. This time of year, we'll often hear questions like: What are the best options? Wasn't there something new about 529s in SECURE Act 2.0? Has anything changed?

If you're someone who has any of those questions (or others!) and you want to start preparing for your child's (or grandchildren's) education, this episode has everything you need to know about 529 Plans, including information on the changes that apply to 529s.

In today's conversation, our very own Mark Kenney and Matthew Peck dig into how you can maximize the tax advantages of a 529 plan to offset college costs, the benefits of contributing to 529s at any stage of life, and how recent changes to the tax code affect 529 contributions. If you have questions, we have answers. Enjoy!

In this podcast interview, you’ll learn:

• How 529s are structured, who can contribute to them, and the major tax advantages of these funds.
• How retirees can contribute to kids, grandkids’, and others’ 529s.
• The options that are available if a 529 plan beneficiary doesn’t go to college.
• Why a 529 plan doesn’t negatively impact financial aid or student loan eligibility.
• Why investing in 529s should probably come after your 401(k). 

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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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