The investment strategy that helped you build your retirement savings may not be the same strategy you need once you retire. When you're working and consistently contributing to your portfolio, growth is typically the primary goal. But once those contributions stop and withdrawals begin, market volatility can have a very different impact on your financial future.

In this episode, SHP Financial co-founder Matthew Peck is joined by Mike Guthrie, to discuss the shift from accumulating wealth to distributing it in retirement. They explain why investors should start preparing for this transition several years before leaving the workforce, how sequence-of-returns risk can affect a retirement portfolio, and why an investment strategy that once made sense may need to evolve as retirement approaches.

Matt and Mike also break down the roles of safety, income, and growth within a retirement portfolio and how each can help give retirees more options when markets fluctuate. Ultimately, the right mix will look different for everyone, which is why your investments should be built around your spending needs, income, risk tolerance, longevity, and broader retirement plan.

In this podcast interview, you'll learn:

• Why investing for retirement is different from investing during retirement.
• When you should start repositioning your portfolio before retirement.
• How sequence-of-returns risk can impact your retirement savings.
• Why your current 401(k) may carry more risk than you realize.
• How safety, income, and growth can serve different roles in retirement.
• Why your investment strategy should be built around your broader financial 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

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Join SHP Financial Co-Founder Matt Peck, CFP®, CIMA®, and CFA® Zach Perkins as they discuss current market trends and their potential impact on your financial future.

When you think about investing for retirement, stocks, bonds, mutual funds, and ETFs probably come to mind first. But those public markets are only one part of the investment landscape. Private equity, private credit, real estate, infrastructure, and venture capital offer another universe of investment opportunities that many investors may know very little about.

In this episode, SHP Financial co-founder Matthew Peck is joined by Raphael Hanna to break down the differences between public and private markets and explain why private investments have become increasingly accessible to individual investors. They discuss the different types of private investments, how they can potentially add another layer of diversification to a portfolio, and some of the important tradeoffs investors need to understand.

Ultimately, having more investment options doesn't mean every option belongs in your portfolio. Matthew and Raphael explain why factors like liquidity, fees, risk tolerance, income needs, and time horizon should all be considered before investing in private markets and why every investment decision should start with your broader financial plan.

In this podcast interview, you'll learn:

• The key differences between investing in public and private markets.
• How private equity differs from venture capital, private credit, and private real estate.
• Why more and more companies are staying private for longer durations.
• How private investments can provide another source of portfolio diversification.
• What investors should understand about fees, liquidity, and holding periods.
• Why your time horizon and risk tolerance matter when considering private investments.

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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• Facebook
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• YouTube