Business Details
23 Years
experience
Your Trusted Partner for Financial Advisers Solutions
At SHP Financial, we are a different kind of financial planning firm, rooted in relationships and guided by our trademarked SHP Retirement Road Map process. Inspired by the sheltered harbor of Plymouth, we provide comprehensive, unbiased guidance focused on income, investment, tax, healthcare, and legacy planning. Our team of certified professionals brings decades of combined experience, prioritizing client needs through a client-first mentality and fostering trust through transparency and personalized service. We are committed to helping individuals in or near retirement achieve financial freedom by crafting holistic strategies tailored to their unique goals.With offices in Plymouth, Woburn, and Hyannis, Massachusetts, we serve clients across New England, emphasizing long-term partnerships over transactions. Our dedication to excellence is reflected in our fiduciary responsibility, proactive tax optimization, and a focus on minimizing estate taxes while honoring clients' values. We pride ourselves on a culture of integrity, education, and lifelong learning, ensuring clients feel empowered and secure in their financial future.
Services
Income Planning
Investment Planning
Tax Planning
Healthcare Planning
Legacy Planning
Details
- Year established: 2003
Highlights and features
- We offer over 20 years of holistic financial planning expertise in New England.
- Our client-first mentality prioritizes personalized, fiduciary-driven advice.
- We implement a patented SHP Retirement Road Map process for comprehensive planning.
- Our team includes CFPs, CIMA-certified advisors, and tax specialists.
- We provide transparent fee structures and lifelong client education.
Associations and certifications
- SEC
What people say
Knowledgeable, easy to reach
Exceeded expectations
Professional and personable
Reduced financial stress
Trusted advisors
Services
Income Planning
Our income planning ensures steady cash flow during retirement by optimizing Social Security benefits, pension plans, and withdrawal strategies. We create personalized strategies to combat inflation and provide spousal protection. Clients benefit from predictable income streams that support both daily needs and long-term goals.
Investment Planning
We assess risk tolerance and build diversified portfolios using cost-efficient funds and equities. Our fiduciary advisors focus on tax-efficient strategies and fee reduction while aligning investments with long-term objectives. This approach maximizes returns while safeguarding assets against market volatility.
Tax Planning
Our proactive tax planning minimizes liabilities through strategic asset location, Roth conversions, and estate tax mitigation. Certified tax specialists analyze income, capital gains, and inheritance taxes to preserve wealth across generations while maintaining compliance with evolving regulations.
Healthcare Planning
We address rising healthcare costs by analyzing Medicare options, prescription coverage, and long-term care solutions. Our plans incorporate health savings accounts and insurance strategies to protect assets from unexpected medical expenses during retirement.
Legacy Planning
Our legacy planning ensures seamless asset transfer through trusts, wills, and charitable giving strategies. We collaborate with legal experts to minimize probate, reduce estate taxes, and implement tax-advantaged charitable contributions aligned with clients' values.
People
Derek L. Gregoire
Co-Founder
Derek co-founded SHP Financial in 2003 after working in insurance. He emphasizes relationship-based planning and holds a University of Massachusetts finance degree. A community-focused leader, he prioritizes client care and team development while balancing family life in Lakeville, MA.
Matthew C. Peck
Co-Founder
Matthew, a CFP and CIMA, co-founded SHP Financial after studying history and finance. He authored 'Mind the Gap' and hosts the SHP Retirement podcast. With expertise in long-term investment strategies, he resides in Dorchester, MA, balancing family life and client-focused innovation.
Keith W. Ellis Jr.
Co-Founder
Keith co-founded SHP Financial in 2003, bringing entrepreneurial heritage from cranberry farming. He specializes in holistic retirement plans covering five key areas. Active in local charities, he lives in Plymouth with his family, combining financial expertise with community service.
Mark Kenney
Financial Advisor
Mark joined SHP in 2017 with CFP and CTS certifications. A National University of Ireland graduate, he specializes in tax-efficient strategies and estate planning. He resides in Wrentham, MA, balancing family life with a passion for sports and client education.
Laura Russo
Financial Advisor
Laura joined SHP in 2018, specializing in generational wealth transfer and women's financial independence. A UMass Amherst graduate, she combines trust administration expertise with community involvement, residing on Cape Cod with her family and church outreach commitments.
Questions
What services does SHP Financial offer?
We specialize in income, investment, tax, healthcare, and legacy planning for retirees and pre-retirees.
How does SHP Financial's planning process work?
Our SHP Retirement Road Map process includes five steps: income optimization, risk-assessed investments, tax reduction, healthcare cost management, and estate planning.
Are SHP Financial advisors fiduciaries?
Yes, our advisors are fiduciaries who prioritize client interests and hold certifications like CFP and CIMA.
What areas do you serve?
We serve clients across Massachusetts with offices in Plymouth, Woburn, Hyannis, Marlborough, and Braintree.
How are your fees structured?
We use transparent fee structures based on assets under management, with no hidden costs or commissions.
Can you help with Medicare planning?
Yes, our healthcare planning includes Medicare options, prescription coverage, and long-term care strategies.
Videos
Reviews (2)
Mark H.
Dec 16, 2014
Report
Wild ride and glad it's over. No proactive guidance on retirement investments or overall planning at all. One year turned into a loss.
Bianca S.
Mar 03, 2014
Report
I have used this company to buy structured settlements (annuities). They have some of the best rates going. You can get a weekly email with current offers. They will meet you at your home or their office and answer all of your questions. They have a good staff, it's not just a one or two man operation. You can contact them anytime with your questions and will get timely advice.
