Retirement Road Map

SHP Financial Co-Founder, Matt Peck, CFP®, CIMA®, and Lead Advisor, Laura Russo, sit down for their quarterly market update. Matt and Laura will take a look back at 2025, discuss the current state of the markets, where we are headed, and what this means for your future and finances. Visit shpfinancial.com for more information!

It's a new year, and financial uncertainty continues to be a pressing topic for investors. Questions around interest rates, inflation, tariffs, artificial intelligence, and global market stability continue to dominate headlines, leaving many retirees and pre-retirees wondering how to position their portfolios for what comes next. That's why we're incredibly grateful to have Michael Arone on the podcast today. Mike is the Managing Director and Chief Investment Strategist at State Street Investment Management and has over three decades of experience navigating market cycles. From other down periods like the dot-com bubble, the global financial crisis, and the pandemic, Mike brings a historically grounded perspective to today's environment. In our conversation, Mike shares how State Street is thinking about the economic outlook for 2026, including the Federal Reserve's policy direction, the likelihood of recession, and why he describes the current market setup as "uncomfortably bullish." He explains why inflation may remain sticky but manageable, how tariffs have potentially been misunderstood, and what investors should realistically expect from equities after several strong years. You'll also hear why Mike believes that portfolio diversification matters more than ever, how tangible assets like commodities and precious metals can help improve portfolio resilience, and why time horizon remains one of the most powerful drivers of long-term investment success. In this podcast interview, you'll learn: Why State Street expects continued economic growth and no near-term recession in 2026. How Federal Reserve policy, inflation trends, and labor dynamics are shaping the market outlook. Why fears around tariffs and inflation may be overstated. The role real assets and alternatives can play in boosting portfolio resilience. How lessons from past market crises help investors navigate future uncertainty. Why long-term discipline matters more than short-term market predictions. 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

For many investors, 2025 has raised difficult questions about safety, inflation, global instability, and how to protect wealth in an increasingly unpredictable environment. With gold posting some of its strongest performance in decades, many are wondering whether it belongs in their portfolios. So today, SHP Financial's Matthew Peck is joined by Senior Portfolio Analyst David Hathaway to break down the factors behind gold's surge. From geopolitical tensions to inflation concerns, David explains why gold has historically served as a store of value, how it behaves in crisis periods, and why it often shines when uncertainty is at its highest. In this conversation, you'll also learn how investors can actually access gold, whether through ETFs, physical metals, or alternative allocations; what percentage ranges may make sense inside a diversified portfolio; and how SHP evaluates when to introduce or increase exposure.  Matthew and David also compare gold with assets like Bitcoin and discuss its role in alternative investments. They outline why a disciplined, research-based approach—not a fearful approach—is essential when evaluating gold's place in long-term planning. In this podcast interview, you'll learn: The forces driving gold's surge in 2025, including geopolitical tension and central bank buying. How inflation pressures, weakening currencies, and rate cuts often boost demand for gold. The most common ways to invest in gold and why ETFs are typically the most efficient. Typical allocation ranges for gold and how it fits within an alternatives bucket. How gold differs from Bitcoin in correlation and diversification benefits. Why SHP uses a careful, research-based process before adding or increasing gold exposure. 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

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 Connect With Us on Social Facebook LinkedIn YouTube

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. 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

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 Connect With Us on Social Facebook LinkedIn YouTube

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 Connect With Us on Social Facebook LinkedIn YouTube

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. 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

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 Connect With Us on Social Facebook LinkedIn YouTube

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 Connect With Us on Social Facebook LinkedIn YouTube  

Graduation marks an exciting new chapter for young professionals, but for those eyeing a career in financial planning, the path forward can feel uncertain. What are the skills that investment firms are looking for? Which licenses and designations matter most? And how do you land that first opportunity in a highly competitive field? Today, Matthew Peck welcomes back returning guest Raphael Hanna to share his journey from Stonehill College to SHP Financial. Drawing from his own early experiences, Raphael reveals how internships, networking, and a willingness to adapt shaped his career path. He also explains the difference between independent advisory firms and other industry models, why relationship-building is as important as technical skills, and how to decide where you want to specialize. In this conversation, you'll learn the difference between independent advisory firms and other industry models, why relationship-building is as important as technical skills, and how to decide where you want to specialize. Whether you're a recent grad, a career changer, or simply curious about what it takes to thrive in financial planning, this episode provides a blueprint to start off on the right track and build a career that lasts. In this podcast interview, you'll learn: Why networking can make or break your early career. The important licenses every new advisor should consider obtaining. How to choose the right firm for your career goals. The pros and cons of independent vs. traditional advisory models. How professional designations like the CFP® can set you apart. The best ways to explore career paths within financial services. 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  

Many retirees want to give back—but aren't sure how to do it in a way that's financially savvy and tax-efficient. If you've ever wondered how to streamline your charitable giving, take advantage of smart tax strategies, or leave a lasting legacy without the administrative burden, we have the perfect guest to help with those important decisions. Today, Matthew Peck is joined by Kyle Casserino, VP of Charitable Planning at Fidelity Investments. With years of experience in philanthropic financial strategies, Kyle walks us through the fast-growing world of Donor-Advised Funds (DAFs) and how they can help individuals make a greater impact while minimizing taxes. From understanding the history and purpose of DAFs to exploring real-life scenarios where they make the most sense, Kyle explains why this tool is increasingly popular among charitably inclined investors. In this conversation, you'll learn how Donor-Advised Funds compare to private foundations, how to give appreciated assets like stocks instead of cash, and why these accounts are especially valuable for high-income earners, business owners, and those with large tax events. Whether you're already giving or planning to give in the future, you'll walk away with actionable strategies to make your charitable dollars go further. In this podcast interview, you'll learn: Why Donor-Advised Funds are a flexible, low-maintenance alternative to private foundations. How giving appreciated stock can help you avoid capital gains taxes. The advantages of funding a DAF in high-income years to "pre-pay" future giving. Why Donor-Advised Funds can help simplify record-keeping and tax filing. How DAFs support legacy planning, including multi-generational giving. The biggest differentiators of foundations versus Donor-Advised Funds Why timing, tax brackets, and estate size matter when planning charitable gifts. 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 "One Big Beautiful Bill Act" has just become law, bringing sweeping tax changes that will directly impact retirees and pre-retirees.  From changes to itemized deductions and charitable giving to updates on Social Security taxation and estate planning, the impact is far-reaching.  Today, Matthew Peck is joined by one of SHP Financial's Certified Financial Planners™, Alina Osokhovska. As one of SHP's top planning advisors, Alina brings a wealth of knowledge and expertise to the complexities of this new legislation. They'll unpack how the bill alters standard deductions, reinstates the importance of itemizing, and introduces income-sensitive thresholds that could significantly affect your tax strategy. In this conversation, you'll walk away with a clearer understanding of what's changing now and what's coming in the years ahead. Whether it's properly timing your Roth conversions, navigating the new SALT caps, or optimizing charitable contributions, this episode will help inform your decisions to maximize tax efficiency in retirement. In this podcast interview, you'll learn: Why itemized deductions are back on the table and how to know if they benefit you. How changes to the SALT deduction cap can impact high-income households. What the new rules mean for Social Security taxation. Why retirees over 65 may benefit from an additional tax deduction and how to qualify. How charitable giving rules are shifting, both for itemized and standard filers. Financial planning opportunities that exist today before parts of the bill phase out in 2029. 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

Co-Founder, Matt Peck, CFP®, CIMA®, and Investment Analyst, Zach Perkins CFA®, team up to deliver the market update for Q2.  Matt and Zach discuss what's currently going on in the markets — where we've been, where we're headed, and how tariffs and the "Big Beautiful Bill" may impact the economy. They'll also address key questions submitted by our clients. During times of uncertainty, our priority is to keep you informed and help ensure you feel supported every step of the way. If you have any questions or concerns, please don't hesitate to reach out to your advisor. We're always here to help.

Most retirees are surprised to learn just how differently their income is taxed once they stop working. From Social Security to pensions, IRAs, dividends, and even rental income, retirement brings a complex new tax landscape that can catch even the most financially savvy off guard. This episode is here to help you stay ahead of the curve. Joining SHP Financial's Matthew Peck is returning guest and financial advisor Mike Guthrie. With over 25 years in the industry, Mike breaks down the different sources of retirement income and how each is taxed—from qualified accounts, such as 401(k)s and IRAs, to brokerage accounts, Roth IRAs, and beyond. He highlights the common pitfalls people often fall into and why proactive planning is essential to avoid unpleasant tax surprises. By the end of this conversation, you'll have a clearer understanding of how tax buckets work, which withholding tax strategies make sense, and how tax laws can impact everything from Social Security to capital gains. Whether you're planning for retirement or already there, this conversation will help you navigate retirement income with more confidence, control and peace of mind. In this podcast interview, you'll learn:  Why not all retirement income is taxed the same—and how to plan accordingly. How interest, dividends, capital gains, and Roth withdrawals differ in tax treatment. What you can (and can't) withhold taxes from in retirement. The importance of proactive tax planning in avoiding April surprises. How strategies like Roth conversions, gifting, and timing Social Security can reduce your tax burden. Why personalized advice is critical because no two retirees face the same tax situations. 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

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

Many people nearing retirement focus on their portfolios but neglect one of the most important components of a fulfilling life—genuine human connection. Especially in today's world, where negativity dominates the headlines and technology often replaces personal interactions, gratitude can help us build more meaningful relationships and improve our well-being. In this episode, SHP Financial's Derek Gregoire and Matthew Peck welcome keynote speaker, author, and professional gift giver John Israel—also known as Mr. Thank You. After launching a social experiment in which he hand-wrote five thank-you cards a day for a year, John uncovered profound insights into how deeper human connections are all about feeling seen, safe, and supported. His Mr. Thank You Project has since inspired thousands of people and companies to create cultures of gratitude and authenticity. In our conversation, you'll hear the science behind why it's easy to focus on the negative, how vulnerability leads to stronger relationships, and how you can use gratitude—even in tough times—to unlock personal and business growth and foster deeper connections. John offers a refreshing perspective on the little things that can make a huge impact. In this podcast interview, you'll learn: Why gratitude is a learned skill—and how to practice it daily How handwritten thank-you notes transformed John's personal and professional life The hierarchy of human connection and cornerstones of deeper relationships How to find meaning and purpose—even in life's most painful experiences The ways SHP builds authentic, long-lasting client relationships through service and care 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