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 A landmark bipartisan bill has repealed the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO), placing more money into the pockets of retirees across the country.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• What the WEP and GPO provisions were and why they were repealed in 2025.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

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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

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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

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