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Financial Advisor Serving Cambridge, MA

Retirement Planning for Cambridge and the Greater Boston Area

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Cambridge is home to some of the most accomplished professionals in the country -- researchers, academics, executives, and innovators who have spent their careers building expertise and financial security. Turning that hard-earned wealth into a retirement that lasts takes a different kind of planning. SHP Financial works with clients throughout Cambridge and the Greater Boston area, providing fiduciary retirement planning through our proven SHP Retirement Road Map® process. Our team of registered investment advisors and retirement advisors is here to help you retire with confidence, clarity, and a strategy built entirely around your life.

Discover Your SHP Retirement Road Map©

Plan Your Retirement

For over 20 years, SHP Financial has helped Massachusetts families build confident, well-organized retirements. We serve individuals throughout Cambridge and the surrounding Greater Boston communities, offering comprehensive retirement financial planning that brings together every dimension of your financial life in one coordinated strategy.

The SHP Retirement Road Map® is our five-part process covering income, investments, taxes, healthcare, and legacy planning. We tailor every road map to your specific situation — your assets, your goals, your timeline — and we stay with you through every stage of retirement, managing and adjusting your plan as things change.

Cambridge residents often arrive at retirement with complex financial pictures. We have the expertise to help you make sense of it all and build a plan that gives you the retirement you have earned.

Plan Your Retirement

Our Financial Advisors

Get to know the experienced professionals at SHP Financial who work with individuals and families throughout Cambridge and Greater Boston to deliver personalized, comprehensive retirement planning guidance.

Meet the Team
Meet The Team

As Seen or Heard On

SHP Retirement Road Map©

01

Income Planning

Retirement income for Cambridge professionals often draws from multiple sources -- university pensions, TIAA accounts, deferred compensation, Social Security, and personal investment accounts -- each with its own rules and tax treatment. We help you build a coordinated income strategy that brings all of these sources together, optimizes your Social Security timing, and produces reliable cash flow designed to last throughout retirement.

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02

Investment Planning

Many Cambridge clients arrive at retirement with significant investment assets accumulated over long, high-earning careers. We conduct a thorough review of your current portfolio, assess your real risk tolerance, and build a diversified strategy appropriate for your retirement timeline. Our approach focuses on managing costs, reducing unnecessary complexity, and aligning your investments with your income needs and long-term goals -- always as your fiduciary advisor.

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03

Tax Planning

High earners in Cambridge often face significant tax complexity going into retirement. We take a forward-looking approach to managing your tax burden, identifying opportunities across Roth conversions, capital gains timing, retirement account withdrawals, and Massachusetts state tax planning. The goal is a tax-efficient retirement strategy that preserves more of your accumulated wealth and reduces your liability over the full course of retirement.

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04

Health Care Planning

Transitioning from employer-sponsored health coverage -- whether through a university, hospital, or corporate employer -- to Medicare is one of the most consequential steps in retirement. We help you evaluate your Medicare options, plan for supplemental coverage, consider long-term care needs, and build a realistic healthcare cost projection into your overall retirement plan so that a health event does not catch your finances off guard.

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05

Legacy & Estate Planning

Cambridge residents often have strong philanthropic and family legacy priorities. We work alongside estate planning attorneys and tax professionals to help you structure wills, trusts, charitable giving vehicles, donor-advised funds, and beneficiary arrangements that reflect your values and protect your assets. Whether your legacy goals involve family, community, or institution, we help build a plan that honors your intentions and minimizes unnecessary tax exposure.

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Retirement Planning for Boston Area Residents

SHP Financial works with clients throughout Cambridge and the surrounding Greater Boston region, including Somerville, Arlington, Belmont, Watertown, Newton, Lexington, Waltham, Medford, and beyond. Our Woburn office — located just a short drive from Cambridge via Route 93 or I-95 — serves as the primary access point for clients in this part of Greater Boston.

Cambridge draws a distinctive mix of retirees and pre-retirees: longtime residents who built careers at the area’s universities, hospitals, and research institutions; biotech and technology professionals from the Kendall Square corridor; and individuals who have relocated to the area over a career in finance, law, or the public sector. Our advisors are well-versed in the retirement planning considerations that come with each of these backgrounds and bring the depth of expertise that Cambridge clients expect.

Our Massachusetts Office Locations

Plymouth, MA
(Headquarters)

225 Water Street, Building C, Suite C210
Plymouth, MA 02360

Woburn, MA

400 Tradecenter Drive, Suite 7810
Woburn, MA 01801

Hyannis, MA

724 Main Street
Hyannis, MA 02601

Marlborough, MA
(Client Meetings)

11 Apex Dr, Suite 300, Building A
Marlborough, MA 01752

Braintree, MA
(Client Meetings)

25 Braintree Hill Office Park, Suite 200
Braintree, MA 02184

Phone: (866) 746-2401

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Email: ask@shpne.com

What can you expect from SHP?

We stand out as a leader among retirement planning firms serving Cambridge and Greater Boston in many ways, including:

Client-first Mentality

We are a trusted partner in your retirement journey. We do well when you do. We are committed to our clients' well-being and act in their best interests at all times.

Personalized Service

We understand that every situation is unique. We customize our approach to meet your specific needs and work toward the goals that matter most to you.

Trusted Advisors

Our team includes CFP® professionals and specialists in investment management, tax strategy, and estate planning. We take a team approach to developing your customized plan.

Long-term Vision

Our five-part planning process creates strategies for the long haul. We stay with you through every stage of retirement, managing and adjusting your plan for life.

Confidentiality and Security

With a secure client portal, password-protected communications, and encrypted digital vault technology, your sensitive financial data is protected at every level.

Clear Communication

We recognize that financial planning can feel complex. We make sure you understand every aspect of your plan with clear, straightforward guidance at every step.

Our Clients' Experiences

All of the following testimonials are from current SHP Financial clients, and no compensation has been given for their statements.

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Matt is knowledgeable, easy to reach if we have questions. We give Matt and his team an A++.

Carmela Z.

Matt took us through a learning curve and showed us we could have a livable income in retirement. Allowed us to retire on our terms. Regular checkups help us stay on track. When needed the service crew has been very efficient.

Anonymous

SHP (Matthew Peck) has continually exceeded our expectations. While we believe he certainly knows what is best for us financially he creates an atmosphere of partnership which fosters a sense of freedom in all of our encounters. I have complete trust in SHP and Matthew which I never thought possible in this arena.

Dutch H.

Matt Peck has made us feel like family. The office staff is always friendly and efficient.

Steve and Cindy

We find SHP to be very professional and personable . Every interaction has been excellent – things are explained fully and we feel we can ask questions at any point. We feel like SHP is part of an extended family looking out for our best interest.

Steve & Amy Ramondi

Since joining SHP and working with Mark Kenney my stress level about my financial future has been reduced. I have been able to accomplish all the tasks I needed to prepare for and executing an early retirement. I know whatever the future holds I will be prepared properly.

David S.

An organized, high integrity company. Derek has been great and extremely responsive. I have referred several people to the business which is the highest compliment.

David C.

Matt Peck has been very helpful and knowledgeable which put our minds at ease, it was also very helpful having Keith McManus handling our Trust and Estate Documents. We have referred many of our friends to SHP.

Rita Z.

Very happy with their service. Always respond quickly if we have a question or need assistance.

Donna D.

Keith has been compassionate and patient and I know he wants the best for my family. After my husband passed away they took care of many issues that came up. I don't believe it was in the "job description".

Karen M.

Ready to Take the Next Step?

Schedule a Consultation

SHP Financial is proud to serve Cambridge and the surrounding Greater Boston communities with retirement planning that is comprehensive, personalized, and built on more than 20 years of experience. Whether you are five years from retirement or already living it, our team of fiduciary advisors is ready to help you take the next step. Schedule a complimentary, no-obligation consultation today.

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