The Live Greater View

What are the biggest 401(k) mistakes? “Whatever the default option is…”If that’s how you’d describe your 401(k), you’re not alone but it might be costing you more than you realize.In this episode, Andrew Fincher, CFP®, AIF®, Financial Advisor, breaks down seven of the most common 401(k) mistakes. From missing out on employer match to being too conservative early on, it’s how these small mistakes today can make a big difference over time.Contributing to a 401(k) is a great start but understanding what you’re doing with it is where a real impact can happen.Visit vlpfa.com to download resources or schedule a complimentary consultation: https://www.vlpfa.com/contact-us   Securities offered through Cetera Wealth Services LLC, member FINRA/SIPC. Advisory Services offered through Cetera Investment Advisers LLC, a registered investment advisor. Cetera is under separate ownership from any other named entity. The views stated in this material are not necessarily the opinion of Cetera Wealth Services LLC and should not be construed directly or indirectly as an offer to buy or sell any securities mentioned herein. All investing involves risk, including the possible loss of principal. There is no assurance that any investment strategy will be successful. Due to the volatility of the market with the markets mentioned, opinions are subject to change without notice. A diversified portfolio does not assure a profit or protect against loss in a declining market. Hosted by Andrew Fincher, CFP®, AIF®, Financial Advisor; VLP Financial Advisors, 8391 Old Courthouse Rd, Suite 203, Vienna, VA 22182. 703-356-4360

What are the 2026 new contribution limits? New year, new 401(k) limits!In this episode, Andrew Fincher, CFP®, AIF®, Financial Advisor, walks you through what changed for 2026. Contribution limits are up, which means more opportunity to save in a tax-advantaged way.$24,500 employee contribution limitHigher catch-up contributions if you’re 50+Even more flexibility if you’re in that 60–63 windowThese increases may not seem huge year to year, but over time they can make a meaningful difference. At the start of every year, it’s a good reminder to review your contributions and see if there’s room to bump them up, even if just a little.Visit vlpfa.com to download resources or schedule a complimentary consultation: https://www.vlpfa.com/contact-usSecurities offered through Cetera Wealth Services LLC, member FINRA/SIPC. Advisory Services offered through Cetera Investment Advisers LLC, a registered investment advisor. Cetera is under separate ownership from any other named entity. The views stated in this material are not necessarily the opinion of Cetera Wealth Services LLC and should not be construed directly or indirectly as an offer to buy or sell any securities mentioned herein. All investing involves risk, including the possible loss of principal. There is no assurance that any investment strategy will be successful. Due to the volatility of the market with the markets mentioned, opinions are subject to change without notice. A diversified portfolio does not assure a profit or protect against loss in a declining market. Hosted by Andrew Fincher, CFP®, AIF®, Financial Advisor; VLP Financial Advisors, 8391 Old Courthouse Rd, Suite 203, Vienna, VA 22182. 703-356-4360

It’s easy to let headlines drive decisions. The challenge is staying grounded in a plan when emotions are running high.In this episode, Rose Price, CFP®, AIF®, Financial Advisor, and Chris Mellone, CFA, CFP®, AIF®, Financial Advisor, break down what we’ve historically seen when geopolitical events create volatility and why the market’s initial reaction isn’t always the full story.From the role of diversification to how quickly markets refocus on earnings and fundamentals, we walk through how we think about these moments and how we guide clients through them, and why that feeling is completely normal and why it doesn’t always mean you should make a change. Having a plan in place before times like these can really make a difference.Visit vlpfa.com to download resources or schedule a complimentary consultation: https://www.vlpfa.com/contact-usSecurities offered through Cetera Wealth Services LLC, member FINRA/SIPC. Advisory Services offered through Cetera Investment Advisors LLC, a registered investment advisor. Cetera is under separate ownership from any other named entity. The views stated in this material are not necessarily the opinion of Cetera Wealth Services LLC and should not be construed directly or indirectly as an offer to buy or sell any securities mentioned herein. All investing involves risk, including the possible loss of principal. There is no assurance that any investment strategy will be successful. Due to the volatility of the market and the securities mentioned, opinions are subject to change without notice. A diversified portfolio does not assure a profit or protect against loss in a declining market. Hosted by Rose Price, CFP®, AIF®, Partner, Financial Advisor, and Christopher Mellone, CFA, CFP®, AIF®, Partner, Financial Advisor; VLP Financial Advisors, 8391 Old Courthouse Rd., Suite 203, Vienna, VA 22182. 703-356-4360.

In this special VLP Spotlight episode, we take a step back to look at how far women have come financially and where there’s still work to do.Not long ago, women couldn’t open a credit card, get a mortgage, or make many financial decisions independently. Today, that landscape looks completely different. Women are building careers, leading businesses, growing wealth, and playing a larger role in financial decision-making than ever before.But progress doesn’t mean the journey is finished. We talk through the realities that still exist today: from the pay gap and career pauses to longer life expectancies and the confidence gap when it comes to investing. More importantly, we focus on the opportunity in front of women right now.Access, education, and influence are all expanding. Whether it’s starting to invest, making the most of workplace benefits, or simply becoming more involved in financial decisions, small steps today can create meaningful change over time.We also dive into the importance of bridging generations and learning from the past and encouraging more open conversations between mothers, daughters, and peers about money.This is a thoughtful conversation about progress, challenges, and what’s possible moving forward.Schedule a complimentary consultation: https://www.vlpfa.com/contact-usSecurities offered through Cetera Wealth Services LLC, member FINRA/SIPC. Advisory Services offered through Cetera Investment Advisers LLC, a registered investment advisor.Cetera is under separate ownership from any other named entity. The views depicted in this material are for information purposes only and are not necessarily those of Cetera Wealth Services LLC. They should not be considered specific advice or recommendations for any individual. Neither Cetera Wealth Services LLC nor any of its representatives may give legal or tax advice.All investing involves risk, including the possible loss of principal. There is no assurance that any investment strategy will be successful. The views stated in this podcast are not necessarily the opinion of Cetera Wealth Services LLC and should not be construed directly or indirectly as an offer to buy or sell any securities mentioned. Due to the volatility with the markets mentioned, opinions are subject to change without notice.Information is based on sources believed to be reliable. However, their accuracy or completeness cannot be guaranteed. Past performance does not guarantee future results. Statistics and figures are taken from the following sources: Ecommerce Tips, Pew Research Center, and United States Census Bureau. Hosted by Rose Price, CFP®, AIF®, Partner, Financial Advisor, Liz Williams, Financial Advisor, Cindy Alexander, Financial Advisor, and Sarah Avila, CFP®, CDFA® Financial Advisor. VLP Financial Advisors, 8391 Old Courthouse Rd, Suite 203, Vienna, VA 22182. 703-356-4360.

Are you a decade away from retirement and wondering if your "set it and forget it" strategy still works? In episode four of the Retirement Readiness Journey, Rose Price, CFP®, AIF®, Partner, Financial Advisor, and Chris Mellone, CFA, CFP®, AIF®, Partner, Financial Advisor, dive into the critical shift from aggressive growth to strategic preservation. Learn how to evaluate your current asset allocation and build a custom "glide path" that aligns with your specific retirement goals.Key Topics Covered:Understanding Market Corrections: A look at historical data on market declines—including 10% annual corrections and 20% drops every five years—and how to build a plan that withstands these "white knuckle" eventsThe Problem with Target Date Funds: Why these "one-size-fits-all" options are great for accumulation but lack the necessary flexibility and control during the distribution phaseReal Risk Tolerance vs. Market Sentiment: Moving beyond generic questionnaires to understand how your psychology changes when the market shifts from a 15% gain to a 15% lossBuilding Your Glide Path: Why a custom allocation based on your unique legacy goals and income needs is superior to internet adviceThe "Liberation Day" Case Study: A breakdown of 2025’s extreme volatility—where the market dropped 21% in two months only to recover 30% three months later—and the dangers of trying to time these rapid swingsThe 5-to-7 Year Underwater Period: Why your portfolio must include conservative investments to fund lifestyle expenses during extended bear marketsDiversification Nuances: How rebalancing between international, growth, and value stocks can buffer your portfolio and accelerate recoveryVisit vlpfa.com to download resources or schedule a complimentary consultation to begin your personalized Retirement Readiness Journey.Schedule a complimentary consultation: https://www.vlpfa.com/contact-usSecurities offered through Cetera Wealth Services LLC, member FINRA/SIPC. Advisory Services offered through Cetera Investment Advisers LLC, a registered investment advisor. Cetera is under separate ownership from any other named entity. The views stated in this material are not necessarily the opinion of Cetera Wealth Services LLC and should not be construed directly or indirectly as an offer to buy or sell any securities mentioned herein. Hosted by Rose Price, CFP®, AIF®, Partner, Financial Advisor and Chris Mellone, CFA, CFP®, AIF® Partner, Financial Advisor; VLP Financial Advisors, 8391 Old Courthouse Rd, Suite 203; Vienna, VA 22182. 703-356-4360.

In our third episode of our Retirement Readiness Journey, Rose Price, CFP®, AIF®, Partner, Financial Advisor, and Chris Mellone, CFA, CFP®, AIF®, Partner, Financial Advisor, dive deep into the mechanics of saving as you approach the ten-year countdown to retirement. While most people immediately think of their 401(k), a truly resilient plan requires a balance of cash, retirement vehicles, and non-retirement investment accounts.Key Topics Covered:The New Rule for Emergency Savings: Why the traditional "3 to 6 months" rule of thumb has evolved in the era of instant digital banking, and how to set a "comfort number" that works for your specific career and family situation.The Pre-Tax vs. Roth Debate: A breakdown of how each affects your current tax bill versus your future retirement flexibility, and why the early years of compounding make Roth contributions particularly powerful.New 2026 Tax Rules (SECURE Act): Critical updates for high-earners (making over $150,000) whose catch-up contributions will soon be required to go into Roth accounts.The Value of Non-Retirement Accounts: How brokerage and trust accounts provide lower capital gains tax rates and the "no-penalty" accessibility needed for career breaks or major life transitions.Automating Freedom: How to treat non-retirement savings with the same "out of sight, out of mind" automation as your 401(k) to eliminate guilt and ensure you are on track for your goals.Navigating Real-World Interruptions: Strategies for balancing retirement savings with the "sandwich generation" challenges of paying for college and supporting aging parents.The "Behind the Eight Ball" Strategy: Practical trade-offs for those who feel they haven't saved enough and need to run side-by-side scenarios to find a realistic path forward.Visit vlpfa.com to download resources or schedule a complimentary consultation to begin your personalized Retirement Readiness Journey.Schedule a complimentary consultation: https://www.vlpfa.com/contact-usSecurities offered through Cetera Wealth Services LLC, member FINRA/SIPC. Advisory Services offered through Cetera Investment Advisers LLC, a registered investment advisor. Cetera is under separate ownership from any other named entity. The views stated in this material are not necessarily the opinion of Cetera Wealth Services LLC and should not be construed directly or indirectly as an offer to buy or sell any securities mentioned herein. Hosted by Rose Price, CFP®, AIF®, Partner, Financial Advisor and Chris Mellone, CFA, CFP®, AIF® Partner, Financial Advisor; VLP Financial Advisors, 8391 Old Courthouse Rd, Suite 203; Vienna, VA 22182. 703-356-4360.Investors should consider the investment objectives, risks, charges, and expenses associated with municipal fund securities before investing. This information is found in the issuer's official statement and should be read carefully before investing. Investors should also consider whether the investor's or beneficiary's home state offers any state tax or other benefits available only from that state's 529 Plan. Any state-based benefit should be one of many appropriately weighted factors in making an investment decision. The investor should consult their financial or tax advisor before investment in any state's 529.

Oil prices don’t just impact what you pay at the pump. They ripple through the entire economy.In this clip, Rose Price, CFP®, AIF® and Christopher Mellone, CFA, CFP®, AIF® break down how the conflict in Iran pushed oil prices higher, and why that matters beyond headlines. From inflation to interest rates to consumer behavior, these shifts can have real effects on markets and everyday decision-making.The big question: is this a short-term shock or something that sticks?As always, it’s a reminder of the importance of staying diversified and focused on the long term.Visit vlpfa.com to download resources or schedule a complimentary consultation: https://www.vlpfa.com/contact-usSecurities offered through Cetera Wealth Services LLC, member FINRA/SIPC. Advisory Services offered through Cetera Investment Advisers LLC, a registered investment advisor. Cetera is under separate ownership from any other named entity. The views stated in this material are not necessarily the opinion of Cetera Wealth Services LLC and should not be construed directly or indirectly as an offer to buy or sell any securities mentioned herein. All investing involves risk, including the possible loss of principal. There is no assurance that any investment strategy will be successful. Due to the volatility of the market with the markets mentioned, opinions are subject to change without notice. A diversified portfolio does not assure a profit or protect against loss in a declining market. Hosted by Rose Price, CFP®, AIF®, Partner, Financial Advisor and Chris Mellone, CFA, CFP®, AIF® Partner, Financial Advisor; VLP Financial Advisors, 8391 Old Courthouse Rd., Suite 203; Vienna, VA 22182. 703-356-4360.

What does "Living Greater" actually look like for you? In episode two of the Retirement Readiness Journey, the VLP team moves from the numbers to the lifestyle. Learn how to translate your retirement dreams into an actionable plan that accounts for everything from healthcare needs to "super fun" travel goals.Key Topics Covered:Retirement Goal Setting: Move beyond the "beach" cliché to define the who, what, and where of your next chapter.The "Dimmer Switch" Strategy: Why a phased retirement or scaling back is often more successful than a "hard stop" from a demanding career.Needs, Wants, and Wishes: How to prioritize essential expenses like healthcare while still "solving for fun".Financial Modeling: The importance of using "what-if" placeholders for big-ticket items like second homes or boats.Managing Disconnects: How to adjust your "champagne taste" to reality by pulling the right financial levers.Visit vlpfa.com to download resources or schedule a complimentary consultation to begin your personalized Retirement Readiness Journey.Schedule a complimentary consultation: https://www.vlpfa.com/contact-usSecurities offered through Cetera Wealth Services LLC, member FINRA/SIPC. Advisory Services offered through Cetera Investment Advisers LLC, a registered investment advisor. Cetera is under separate ownership from any other named entity. The views stated in this material are not necessarily the opinion of Cetera Wealth Services LLC and should not be construed directly or indirectly as an offer to buy or sell any securities mentioned herein. Hosted by Rose Price, CFP®, AIF®, Partner, Financial Advisor and Chris Mellone, CFA, CFP®, AIF® Partner, Financial Advisor; VLP Financial Advisors, 8391 Old Courthouse Rd, Suite 203; Vienna, VA 22182. 703-356-4360.

Before you can plan your future, you must establish a clear baseline of your current financial health. In this kickoff episode of the Retirement Readiness Journey, Rose Price, CFP®, AIF®, Partner, Financial Advisor, and Chris Mellone, CFA, CFP®, AIF®, Partner, Financial Advisor, explore the essential steps to take ten years before your target retirement date. From analyzing asset location to auditing your debt, learn how to prepare your portfolio for the long haul.Key Topics Covered:Calculating Net Worth: Learn how to organize diverse assets including 401(k)s, TSPs, real estate, and unique collectibles.Strategic Debt Management: Understand the difference between "good" debt like mortgages and "bad" high-interest liabilities.Asset Location & Taxes: Why your 401(k) shouldn't be your only bucket and how to utilize Roth options for better tax flexibility.Cash Flow Tracking: Move beyond digital spending to understand your true cost of living and identify "lifestyle creep".Optimizing Savings: Discover systematic ways to redirect pay raises and "found money" into wealth-building investments.Visit vlpfa.com to download resources or schedule a complimentary consultation to begin your personalized Retirement Readiness Journey.Schedule a complimentary consultation: https://www.vlpfa.com/contact-usSecurities offered through Cetera Wealth Services LLC, member FINRA/SIPC. Advisory Services offered through Cetera Investment Advisers LLC, a registered investment advisor. Cetera is under separate ownership from any other named entity. The views stated in this material are not necessarily the opinion of Cetera Wealth Services LLC and should not be construed directly or indirectly as an offer to buy or sell any securities mentioned herein. Hosted by Rose Price, CFP®, AIF®, Partner, Financial Advisor and Chris Mellone, CFA, CFP®, AIF® Partner, Financial Advisor; VLP Financial Advisors, 8391 Old Courthouse Rd, Suite 203; Vienna, VA 22182. 703-356-4360.

In this special "Year in Review" episode, the team at VLP Financial Advisors dives into the biggest accomplishments, market reflections, and firm growth of 2025. They also look ahead to 2026, sharing major initiatives like a new office and an exciting new podcast series. Don't miss this candid conversation about the market's volatility, the impact of legislative changes, and the core values driving the firm's success.Key Discussions and Takeaways:Firm and Podcast Growth: Review the significant growth in 2025, including the firm adding over 30 new client households and surpassing 1300 YouTube subscribers.Podcast Achievements: Highlights include reaching episode 42 and the success of "short form" content, such as the video on "Financial Scams in the World of AI" (over 7,000 views) and the top short with nearly 30,000 views.2025 Market & Legislative Reflections: Discussion on the market's quick changes, the impact of "Liberation Day," and the "Big Beautiful Bill," which affected taxes, particularly the SALT cap.Firm Awards and Recognition: Highlighting awards such as the Investment News Top Places to Work (won again in 2025) and being named to the watchlist for fastest-growing female-led advisory firms.Looking Ahead to 2026: Exciting plans include a new office move off of Pinnacle Drive and the launch of a new "Retirement Readiness Journey" podcast series in January.The team attributes their success to the continued trust and referrals from their clients, partners, and team. Gain valuable insight into how this growing firm manages volatile markets and leverages technology like AI and new social platforms, such as their new Instagram account (@vlpfinanciadadvisors), to better serve their clients.Your questions and feedback drive the conversation! If you have topics or financial questions that come up during the holidays, please share them with the VLP team to inspire future episodes.

Deciding whether to retire now or work a little longer is one of the most common questions clients bring to our team. In this episode of The Live Greater View, Chris Malone and Dan Lash walk through the financial, emotional, and lifestyle factors that shape this decision. From the impact of one extra year of income to the psychological shift of spending down savings, they share the conversations they have every day with people nearing retirement.Whether you feel ready to stop working or you’re unsure what life after full-time work would look like, this episode gives you a grounded look at what truly matters when choosing your timeline.In this episode, we discuss:The financial benefits of working an additional year, including savings, reduced withdrawals, healthcare costs, and Social Security timingThe emotional and lifestyle readiness needed for retirement and why the “vision” for your days matters as much as the numbersHow forced early retirement, market risk, and distribution planning change the conversationWhy this matters:Retirement is not just a date on a calendar. It is a major life shift that blends money, mindset, and lifestyle. Understanding each piece helps you enter retirement with confidence instead of second-guessing.

As the year comes to a close, it’s the perfect time to review recent tax updates and how they could affect your financial plans. In this episode of The Live Greater View, we break down the latest tax law changes in simple terms and share strategies to help you prepare before filing season begins.From deductions and retirement contributions to new tax brackets and planning opportunities, this conversation helps you understand what’s changing and how to make the most of it.In this episode, we discuss:Key tax law updates and what they mean for individuals and familiesEnd-of-year planning strategies to reduce your tax billHow to prepare for filing season with confidence and clarityWhy this matters:A little preparation now can lead to big savings later. Understanding how these changes impact your income, investments, and retirement can help you make smarter decisions before December 31.

The holidays are a time for giving, celebrating, and connecting—but they can also be a time of financial stress. In this episode of The Live Greater View, we talk about practical ways to plan for holiday spending so you can enjoy the season without worrying about your wallet.From setting a realistic budget to managing travel, gifting, and unexpected costs, this conversation offers simple steps to help you stay in control and still make the holidays special.In this episode, we discuss:How to create and stick to a holiday budget that fits your goalsSmart ways to manage gifting and travel expensesTips for starting fresh in the new year without financial regretWhy this matters:A little planning can make a big difference. When you approach holiday spending with intention, you can focus on what truly matters—time with family, meaningful experiences, and peace of mind.

What if retirement didn’t just happen once at the end of your career, but instead showed up in smaller breaks throughout your life? In this episode of The Live Greater View, we explore the growing trend of “micro retirements” and what it means for how people are choosing to live, work, and plan for the future.We look at why more people are taking intentional breaks from work to travel, volunteer, reset, or simply recharge, and how to prepare financially for this kind of lifestyle.In this episode, we discuss:What micro retirements are and why they are becoming more commonHow to prepare financially, from savings to health insuranceThe importance of planning ahead and creating a reentry strategyWhy this matters:Micro retirements can give you the freedom to enjoy meaningful experiences earlier in life without jeopardizing your long-term financial goals. With the right planning, you can take time away from work while staying on track for the future.

Choosing the right financial advisor can have a big impact on your future—but how do you know what to ask? In this episode of The Live Greater View, we walk through five key questions everyone should ask to make sure they’re getting advice that truly supports their goals.These questions can help you feel more confident, understand how your advisor works, and know exactly what you’re paying for.In this episode, we discuss:The most important questions to ask before hiring (or continuing with) a financial advisorHow to clarify what services are included in your relationshipWhat to look for in fees and compensationHow to evaluate an advisor’s experience and planning processWays to make sure your plan aligns with your long-term goalsWhy this matters:Asking the right questions helps you make informed decisions and build a strong, trusting relationship with your advisor.

Artificial intelligence is becoming more common in financial planning, but what does that mean for the role of human advisors? In this episode of The Live Greater View, we examine how AI is being used in the industry and what it can—and can’t—do for clients.We look at the balance between technology and personal guidance, and how both can work together to help people reach their financial goals.In this episode, we cover:How AI is currently being applied in financial servicesWhere technology can improve efficiency and decision-makingSituations where human judgment and experience are still essentialThe limitations and risks of relying only on automated toolsWays advisors can integrate AI to provide better client serviceWhat clients should consider when choosing a tech-supported advisorWhy this matters:Technology is changing the way financial advice is delivered, but personal insight and understanding remain important. This episode offers a clear look at how AI fits into the bigger picture of financial planning.

One of the most common (and anxiety-inducing) questions in retirement planning is: How long will my money last? In this essential episode of The Live Greater View, we dive into the factors that influence the longevity of your retirement savings—and what you can do to take control of your financial future.This isn’t just about spreadsheets and projections. It’s about lifestyle, choices, and peace of mind.In this episode, we explore:Why “how long will my money last?” is the wrong question to start withHow longevity, inflation, and healthcare costs impact your retirementWhy having a personalized withdrawal strategy is criticalThe difference between running out of money and running out of optionsReal-life examples of how planning (or lack of it) plays out in retirementTips for building flexibility and confidence into your retirement income planWhy this matters:Your retirement should be defined by what you can do, not what you’re afraid of. Whether you're already retired or just starting to plan, this episode will help you shift from worry to strategy—with actionable insights you can apply today.

Caught between raising kids and caring for aging parents? You're not alone. In this episode of The Live Greater View, we unpack the unique emotional, financial, and logistical challenges of being part of the sandwich generation—and offer guidance for finding balance.With honest stories and practical strategies, we shed light on a generation that’s feeling stretched thin, yet often overlooked.In this episode, we explore:What it means to be part of the sandwich generation todayHow to manage caregiving responsibilities without burning outFinancial strain: supporting two generations at onceThe emotional toll—and how to protect your mental healthHow to communicate with aging parents and grown children about expectationsResources and planning tips to ease the burden and find supportWhy this matters:Caring for others while trying to care for yourself can feel overwhelming. This episode helps you feel seen—and gives you tools to create healthier boundaries and build a support system.

Think it can’t happen to you? Think again. In this eye-opening episode of The Live Greater View, we pull back the curtain on financial scams that are costing people billions—and reveal exactly how you can avoid becoming the next victim.Join us as we dive into the deceptive world of fraudsters, with real-life stories and actionable tips that will sharpen your awareness and strengthen your financial defenses.In this episode, we explore:The psychology behind why even smart people fall for scamsCommon red flags in phone, email, and online fraudHow scammers are exploiting new technologies (and what to watch out for)Practical steps to verify legitimacy before sharing sensitive informationWhat to do if you or someone you know has been scammedResources and agencies that can help protect or recover your assetsWhy this matters:Whether you're managing your own finances or looking out for loved ones, the knowledge in this episode could save you money, stress, and serious regret. You’ll leave empowered with expert insights and clear actions to spot and stop financial scams in their tracks.

Are you ready for retirement — even when the markets aren't? Welcome back to The Live Greater View, the financial planning podcast by VLP Financial Advisors, where we help you live your best life through all of life's financial ups and downs.In today’s timely episode, Rose Price and Dan Lash, both certified financial planners, tackle the crucial topic of retiring during a bear market. Drawing from real client experiences and decades of expertise, they share strategies to help you manage volatility without sacrificing your retirement goals.Here’s what you’ll learn in this episode:How to build a resilient retirement plan that can weather market downturns.The critical role of diversification, smart cash flow management, and emotional discipline.Real-world lessons from retirees who succeeded — even during the worst markets.This conversation offers practical advice, expert insight, and plenty of encouragement for anyone worried about retiring in uncertain times.Don't miss this essential conversation on why the right plan — not the right timing — is the key to a successful retirement. Tune in and live greater with confidence!

Welcome to Live Greater View—the podcast where we break down big financial ideas into clear, actionable insights so you can live with more confidence, clarity, and freedom.In today’s episode, we’re diving into the world of bonds—what they are, how they work, and why they matter more than you think. Whether you're a beginner or just need a refresher, this episode is packed with practical wisdom to help you make smarter investment decisions.Here’s what we cover:What exactly is a bond—and how does it differ from stocks?The different types of bonds: government, corporate, and municipalHow interest rates impact bond prices (and what that means for your returns)Key terms like yield, maturity, credit risk, and diversificationWhen and why bonds might be a strong addition to your investment portfolioWhat’s in it for you? You’ll gain a solid foundation in bond investing, understand the role they can play in managing risk and creating stable income, and walk away better equipped to build a balanced portfolio.Bonds might not be flashy—but they’re powerful. Don’t miss this essential episode that brings clarity to one of the most reliable tools in the financial world. Hit play and start building your greater view today.

Tax season can be stressful, but with the right planning, you can set yourself up for success! In this episode of The Live Greater View, certified financial planners Rose Price and Dan Lash from VLP Financial Advisors share practical insights on how to navigate tax season with confidence.What you'll learn in this episode:How life changes—marriage, job changes, stock options—impact your tax situationWhy proactive tax planning is essential and how it differs from tax preparationKey tax law changes to watch for and how they could affect your returnsTips for organizing your documents to avoid IRS surprisesHow to minimize tax penalties and make estimated tax payments work for youThe benefits of working with a financial planner and CPA togetherWhy listen?You'll gain expert advice on reducing tax stress, avoiding costly mistakes, and making smarter financial decisions throughout the year. Whether you're filing on your own or working with professionals, this episode will help you take control of your tax strategy.Have questions or need tax planning guidance? Visit vlpfinancial.com to learn more.Tune in now and start planning for a more successful tax season!

What’s the best way to spend your money in retirement? More and more retirees are choosing experiences over things, prioritizing travel and family time over material purchases. In this episode of The Live Greater View, hosts Rose Price, CFP®, and Chris Malone, CFP®, dive deep into the financial planning strategies that can help you make the most of your retirement travel budget.Tune in as they discuss:The growing trend of prioritizing travel over material possessionsHow to budget and plan for travel in retirement without financial stressCommon mistakes retirees make when planning vacations (and how to avoid them)The role of travel insurance and real-life examples of why it mattersHow different retirees approach travel—big annual trips, frequent small getaways, or family reunionsThe emotional and financial benefits of making travel a priorityFrom African safaris to Alaskan cruises, Rose and Chris share client experiences and expert advice to help you create unforgettable moments with loved ones.Got travel plans in the works? Have questions about financial planning for retirement? We’d love to hear from you!

As the seasons change, it's not just our homes that need tidying up—our finances do too! In this episode of VLP Live Greater Podcast, we’re diving into the concept of financial spring cleaning. Just like clearing out clutter from your home, taking stock of your financial situation can set you up for success.Join us as we discuss:How to assess your spending plan (not a budget!) and stay on trackThe importance of reviewing your tax withholdings and savings contributionsSmart debt reduction strategies to free up cash flowThe benefits of consolidating old 401(k) accounts and updating beneficiariesWhy now is the perfect time to review your investment allocationsThe crucial role of credit reports and fraud protection in financial healthTaking the time to refresh your finances now can lead to a smoother, stress-free future. Have questions or want to share your financial spring-cleaning tips? Reach out to us—we’d love to hear from you!Tune in and take the first step toward a financially organized and empowered year!

Getting laid off is a tough pill to swallow, but it doesn't have to be the end of your financial journey. In this episode of The Live Greater View, produced by VLP Financial Advisors, hosts Rose Price and Chris Millennium dive deep into the timely topic of layoffs and how to navigate them effectively, no matter where you are in your career.Whether you're just starting out, midway through your professional journey, or nearing retirement, this episode offers valuable insights to help you plan, pivot, and prosper.Here's what you’ll learn:Immediate Steps to Take After a Layoff: How to process the news and make rational decisions.Health Insurance Considerations: What to do when your medical coverage is tied to your job.Evaluating Emergency Funds: Assessing your financial safety net and how to strengthen it.Career Stage Guidance: Tailored advice for early-career professionals, mid-career individuals, and those nearing retirement.Networking & Mentorship: How to leverage connections and seek guidance for a successful transition.Testing Retirement: Strategies for those considering a change or a phased retirement.This episode is packed with practical advice, real-life client experiences, and actionable steps to help you bounce back stronger. Whether you’re facing layoffs or just preparing for the unexpected, tune in to The Live Greater View for the financial guidance you need.

The financial industry is evolving, but one thing remains clear—women are still underrepresented in financial advising. In honor of Women’s History Month, we’re bringing together the inspiring women of VLP Financial Advisors to share their journeys, challenges, and successes in the field.Tune in as we discuss:How each of our guests found their way into financial planningThe statistics behind women in finance and why more need to enter the fieldThe challenges of balancing career, family, and professional growthThe power of mentorship and collaboration in shaping a successful careerPractical advice for women considering a career in financial advisingWhether you're already in the industry or thinking about a career change, this episode is packed with insights, inspiration, and practical advice. Join the conversation and help us shape the future of finance for women!

Making the right college decision is one of the most impactful choices your family will face—and one of the most expensive. Welcome to The Live Greater View, a financial planning podcast from VLP Financial Advisors, where we help clients navigate life, money, and perspective. In this episode, we tackle the complex process of college planning with insights that can shape both your child’s education and your family’s financial future.Here’s what we’ll cover:Key factors to weigh when deciding on a college, including the ROI of education costs.The rising costs of college tuition and how 529 plans can help you prepare.The importance of finding the "right fit" for your student beyond academics.Strategies for discussing financial realities with your child to guide them toward informed decisions.Understanding financial aid, scholarships, and how they fit into your broader planning.Join us for a deep dive into the college decision process and discover strategies to help your family live greater—today and in the future. Tune in now!

Are you curious about a career in financial planning? Think it's all spreadsheets, investments, and retirement plans? Think again! In this episode of The VLP Live Greater View, host Andrew Fincher sits down with Richard Tam, a standout financial planning student at George Mason University and former VLP intern, to discuss what it really takes to become a financial advisor in today's world.Richard shares his unique journey into financial planning, from a background in competitive tennis to discovering his passion for helping others navigate the complexities of personal finance. Together, Andrew and Richard explore the evolving landscape of financial planning, offering insights for aspiring professionals and clearing up common misconceptions.Key topics covered include:The real role of a financial planner: beyond the numbers and into relationship building.Top misconceptions about financial planning as a career.How financial planning has shifted from a second-career choice to a first choice for many students.Why soft skills like communication and empathy are just as critical as technical expertise.The value of internships, networking, and hands-on experience during your education.Insights into George Mason University's growing financial planning program and its tight-knit community.Practical advice for students: how to get involved on campus, build connections, and prepare for the CFP exam.Whether you're an aspiring financial planner, a student considering your career path, or simply someone who wants to better understand the industry, this episode offers valuable insights and actionable advice. Learn how to blend technical knowledge with personal connection, understand what makes this profession rewarding, and take the first steps toward a successful career in financial planning.

Ready to unlock the secrets of the SECURE 2.0 Act and its transformative impact on your retirement planning in 2025? This episode dives into the most critical updates to 401(k) plans and other retirement strategies, equipping you with the tools you need to make smarter financial decisions.What You'll Learn in This Episode:How the SECURE 2.0 Act enhances employer contributions and impacts your savings.New catch-up contribution rules for individuals over 50 and what they mean for your retirement timeline.Key updates on automatic enrollment features and their benefits for younger savers.How these changes aim to address financial wellness and retirement preparedness.Practical tips for maximizing your retirement savings under the new regulations.Our financial planning experts break down complex legislative changes into actionable insights, ensuring you’re equipped to navigate the shifting retirement landscape.

Ready to make 2025 your most financially successful year yet? In this episode of The Live Greater View podcast, financial advisors Rose Price, CFP®, AIF®, and Daniel Lash, CFP®, AIF®, reveal actionable strategies to help you save more, invest wisely, and maximize your financial potential. Whether you're just starting out or looking to refine your financial plan, this episode has something for everyone!What you'll learn in this episode:Proven techniques to jumpstart your savings and establish sustainable financial habits.Insights into the current economic climate and how it impacts your saving strategies.The role of automation in simplifying savings and avoiding common pitfalls.How to evaluate your expenses and identify opportunities to cut costs effectively.Tips for managing debt while staying committed to your long-term financial goals.Why this episode is for you:You’ll gain expert insights that are easy to implement, along with motivation to take control of your finances. From tackling rising costs to making smart spending choices, Rose and Daniel share a wealth of knowledge to empower you to live greater in 2025 and beyond.Get involved:We want to hear from you! Share your thoughts, ask questions, or tell us how you're applying these strategies by reaching out at [contact email/website].Don't miss out on this game-changing episode. Tune in now to learn how to save more, stress less, and secure a brighter financial future!

In this episode of The Live Greater View, we dive into the critical decision of choosing the right financial advisor for your needs. With so many options out there, from fiduciaries to commission-based advisors, it can be overwhelming to navigate the landscape. Learn about the importance of fiduciary responsibility, the differences between fee-based and commission-based compensation models, and why finding a trusted advisor is more than just checking a box. Whether you're planning for retirement or navigating other financial milestones, understanding the advisor spectrum is key to making informed decisions for your future.Start planning your brighter future today! Tune in and take control of your financial journey with The Live Greater View.VLP Financial Advisors is an independent, full-service wealth services firm, with $1.19 B* in assets under administration as of 7/22/2024, with clients located nationwide. Our professionals work with families and individuals on financial planning, investment management, and retirement planning, as well as with corporate clients and their employees to create and manage retirement plans and employee education. We believe in partnering with our clients to help them align their financial decisions with their goals and vision for the future, so they can live greater at every life stage. We help clients live their best life through our VLP Live Greater Partnership Process. It’s our passion, and we’ll be with you every step of the way. *Cetera Advisor Networks AUM $897 M., Fidelity Retirement AUM $169.4M, ADP Retirement AUM $125M. Securities and Advisory Services offered through Cetera Advisor Networks LLC, member FINRA/SIPC, a broker/dealer and a Registered Investment Adviser. Cetera is under separate ownership from any other named entity. The views stated in this material are not necessarily the opinion of Cetera Advisor Networks LLC and should not be construed directly or indirectly as an offer to buy or sell any securities mentioned herein. Hosted by Rose Price, Financial Advisor; and Dan Lash, Financial Advisor; VLP Financial Advisors, 8391 Old Courthouse Rd, Suite 203; Vienna, VA 22182. 703-356-4360.

Welcome to The Live Greater View, the financial planning podcast by VLP Financial Advisors, where we discuss life, money, and perspective. As 2024 draws to a close, it's time to look ahead and prepare for a promising 2025. How do potential changes in the economy, tax policies, and personal goals shape your financial roadmap? Let’s dive in!In this episode, we explore:The Impact of Presidential Elections on Markets: Does a new administration mean market upheaval? We break down the myths and realities.End-of-Year Tax Planning: Strategies for managing withholdings, Roth conversions, and maximizing deductions.Preparing for Sunsetting Tax Policies: How to plan for 2025 and beyond with potential tax changes on the horizon.Maximizing Retirement Savings: From Roth 401(k) contributions to new catch-up rules, we guide you on navigating upcoming changes.Goal-Setting for Long-Term Success: Tips for aligning your financial plan with life priorities, like retirement, education, and big purchases.Gain actionable insights into creating a flexible yet forward-thinking financial strategy. Learn how small steps now can have a big impact on your future.Practical Takeaways:Manage volatility and focus on long-term gains.Leverage tax-saving opportunities before deadlines.Plan for financial goals with confidence, no matter the uncertainties.Start planning your brighter future today! Tune in and take control of your financial journey with The Live Greater View.

Welcome to The Live Greater View, your go-to podcast for practical financial planning insights. Produced by VLP Financial Advisors, this episode offers expert guidance on a crucial topic: Medicare Enrollment. Whether you’re enrolling for the first time or reassessing your current plan, you won't want to miss this one.We’re excited to have Emily O’Halloran from EMP Group joining us to break down everything you need to know about Medicare, including new changes on the horizon for 2025. We’re diving into the details to help you feel confident as you make these important decisions about your health coverage.Here’s what we’ll cover:Key differences between Medicare, Medicaid, and Medicare Advantage.Eligibility requirements and how to avoid common enrollment pitfalls.Understanding your Medicare options: Original Medicare vs. Medicare Advantage.Upcoming changes to Medicare in 2025 and how they may affect your coverage.What you need to know about Medicare Supplements and the best time to enroll.Practical advice on when and how to review and adjust your Medicare plans.Tune in for expert advice, valuable insights, and practical tips to make the best decision for your health and financial future.Join us for this episode packed with actionable advice, and ensure you’re prepared for the Medicare decisions that lie ahead!

Are you confident you understand the ins and outs of your 401(k) investments? In today's episode, we dive deep into one of the most common and misunderstood tools in retirement planning—target date funds. As these funds have become the default in many 401(k) plans, it's more important than ever to grasp their nuances.Join us as we break down what a target date fund really is, how it works, and why it may or may not align with your retirement goals. We'll explore common misconceptions, explain the differences between active and passive management, and uncover the significance of "glide paths" in determining the risk levels in your portfolio. Whether you're a beginner or seasoned investor, this episode will help you understand the key elements of these funds and how they can impact your financial future.Listen in and gain clarity on how to make the most of your retirement savings strategy!

Ready to master the art of estate planning? In this episode, we dive deep into the essentials of estate planning with Donna Fincher, a seasoned estate planning attorney.Whether you're a novice or looking to refine your current plan, this discussion is your ultimate guide to understanding the complexities of wills, trusts, and more.Join us as we explore:The crucial role of estate planning and why it matters for everyone.Key documents you need: wills, medical directives, and powers of attorney.The differences between wills and trusts, and why a trust might be beneficial.Practical tips for avoiding probate and simplifying estate administration.How to handle beneficiary designations and the impact of changing laws.Donna provides actionable advice to ensure your assets are protected and your wishes are honored. Tune in to gain clarity and confidence in your estate planning journey!

Welcome to The Live Greater View, a financial planning podcast produced by VLP Financial Advisors, where we discuss life, money, and perspective. Today, we’re diving into a topic that often comes up with clients as they plan for the future—charitable giving. If you’ve ever wondered how to make a meaningful impact with your wealth, this episode is for you.Charitable giving isn’t just about writing checks; it’s about aligning your financial goals with your values and making a lasting difference. Whether you’re in the early stages of your career or approaching retirement, understanding the options available for charitable giving can help you maximize both the impact on the causes you care about and the benefits of your financial plan.In This Episode, We’ll Cover:The Evolution of Charitable Giving: How attitudes towards charitable donations have shifted over the years and why more people are prioritizing giving in their financial plans.Common Scenarios: Real-life examples of how clients have approached charitable giving and the strategies that have worked best for them.The Technical Side: A breakdown of popular funds and structures to implement charitable giving, including donor-advised funds and charitable trusts.Planning Ahead: How to incorporate charitable giving into your retirement plan without compromising your financial security.Practical Tools: An introduction to the financial planning software we use to help clients visualize and achieve their charitable goals.By the end of this episode, you’ll have a clear understanding of the many options available for charitable giving, along with practical advice on how to start making a difference today.Tune in now to learn how you can live greater by giving greater, and making your retirement years not just about financial freedom, but about leaving a legacy that matters.

Welcome to the Live Greater View, the financial planning podcast brought to you by VLP Financial Advisors. In this episode, we dive into a topic that often confuses and overwhelms many—choosing the right financial advisor or planner. Our hosts unpack the complexities surrounding this decision and provide practical insights to help you make informed choices.In this Episode, We Discuss:The differences between financial advisors, planners, and other financial professionals.How to identify and select a qualified advisor that aligns with your financial goals.The importance of understanding various financial credentials, like CFP, and what they signify.Key considerations when transitioning from a transactional to a comprehensive planning relationship.The critical role of retirement planning in your financial journey, especially as you approach major life changes.Investment strategies: aligning your portfolio with your long-term goals.Tax planning as an ongoing process, not just a once-a-year task.Estate planning essentials and common misconceptions to avoid.The role of insurance in comprehensive financial planning, from life insurance to liability coverage.This episode is packed with expert insights and practical advice, perfect for anyone looking to better understand the financial planning landscape. Whether you're seeking to secure your financial future or help a loved one make wise decisions, this episode offers valuable guidance.Tune In and Take Control of Your Financial Future! Don't miss out on this informative episode that could be the key to unlocking a more secure and prosperous financial future.

Join VLP Financial Advisors for a discussion with Bill Hueter on how EOS implementation can help grow your small business. The Entrepreneurial Operating System (EOS) works to combine rapid growth and success with a more balanced life for members of an organization. To learn more about EOS, you can visit their website: https://www.eosworldwide.com/VLP Financial Advisors is an independent, full-service wealth services firm, with $1.19 B* in assets under administration as of 7/22/2024, with clients located nationwide. Our professionals work with families and individuals on financial planning, investment management, and retirement planning, as well as with corporate clients and their employees to create and manage retirement plans and employee education. We believe in partnering with our clients to help them align their financial decisions with their goals and vision for the future, so they can live greater at every life stage. We help clients live their best life through our VLP Live Greater Partnership Process. It’s our passion, and we’ll be with you every step of the way.*Cetera Advisor Networks AUM $897 M., Fidelity Retirement AUM $169.4M, ADP Retirement AUM $125M.Securities and Advisory Services offered through Cetera Advisor Networks LLC, member FINRA/SIPC, a broker/dealer and a Registered Investment Adviser. Cetera is under separate ownership from any other named entity.Hosted by Daniel Lash,  Financial Advisor; and Rose Price, Financial Advisor; VLP Financial Advisors, 8391 Old Courthouse Rd, Suite 203; Vienna, VA 22182. 703-356-4360.

Embark on a journey through the intricate landscape of managing finances as we age in this insightful episode of The Live Greater View. Join us as we delve into the critical yet often overlooked aspects of daily money management for seniors and their families.In this episode, we uncover the complexities and challenges faced by individuals and families when it comes to handling finances in later stages of life. From the importance of having a clear financial roadmap to the delicate dynamics of family involvement, we leave no stone unturned in exploring this vital topic.Key Points:Understanding the significance of daily money management in later stages of life.Exploring the common pitfalls and challenges faced by seniors and their families regarding finances.Highlighting the crucial role of clear communication and transparency within families regarding financial matters.Unveiling practical strategies and tools for safeguarding against fraud and financial abuse.Discussing the various approaches to compensating daily money management services and the factors influencing them.Shedding light on the initial onboarding process and the importance of organization in financial management.Delving into the intricate dynamics of family involvement and communication in financial decision-making for seniors.Join us as we unravel the mysteries of daily money management and empower you with valuable insights and strategies to navigate the financial maze of aging with confidence and clarity.Don't miss out on this enlightening episode—tune in now!

Welcome to The Live Greater View, where we unravel the intricate world of small business finances! In this episode, we have the honor of hosting Bob LeMay, a seasoned financial expert with 28 years of experience. Join us as we explore the critical aspects of navigating the financial landscape for micro and small businesses.Key Discussion Points:Understanding Micro and Small Businesses: Bob sheds light on his firm's specialization in catering to the unique needs of micro and small businesses, emphasizing the importance of financial accountability.Evolution of Technology: The impact of technology on small business finances is discussed, with a focus on the popularization of accounting software like QuickBooks and its implications for business owners.Training and Empowering Business Owners: Bob shares insights into the shift from manual accounting practices to using software like QuickBooks, highlighting the need for proper training to avoid common pitfalls.Lifecycle of Small Businesses: The discussion delves into the lifecycle of small businesses, addressing the importance of self-accounting in the early stages, gradually transitioning to outsourcing as the business matures.Financial Planning vs. Tax Preparation: Bob emphasizes the significance of proactive financial planning over reactive tax preparation, illustrating how early planning can prevent last-minute financial challenges.Common Mistakes and How to Avoid Them: The podcast explores frequent errors made by business owners, such as neglecting financial planning and failing to differentiate between tax preparation and tax planning.Credit and Financing Strategies: The conversation unveils the pivotal role financial statements play in obtaining credit, with Bob emphasizing the necessity of maintaining strong financials for securing loans and lines of credit.Importance of Line of Credit: Bob shares valuable insights into why businesses should establish a line of credit before the need arises, ensuring financial flexibility during challenging times.Tune in for a comprehensive exploration of small business finances with expert guidance from Bob LeMay. Whether you're an aspiring entrepreneur or a seasoned business owner, this episode offers actionable insights to enhance your financial prowess.Don't miss out – hit play and elevate your small business financial game! Got questions or thoughts? Reach out to us at [Podcast Contact Information]. Thanks for tuning in!

Welcome to another insightful episode of The Live Greater View, where we dive into essential conversations that matter. In today's episode, we have a fantastic guest, Cameron Huddleston, author of "Mom and Dad, We Need to Talk." Get ready for an eye-opening discussion on navigating critical money talks with your aging parents.In this episode, we explore Cameron's journey and the inspiration behind her book, sharing personal experiences managing her mom's finances during Alzheimer's. Discover the essential money conversations you need to have with your family, and gain valuable insights from an expert in personal finance journalism.Key Points:Cameron's background and the motivation behind writing "Mom and Dad, We Need to Talk."The importance of early financial conversations with aging parents.Overcoming reluctance: Strategies for starting the money talk.Detailed insights on estate planning, wills, power of attorney, and health care proxies.Practical advice on approaching sensitive subjects like scams and end-of-life decisions.Strategies for engaging siblings and maintaining family harmony during these discussions.This episode is a must-listen for anyone looking to navigate complex family conversations with grace and practicality. Gain valuable tips, expert advice, and real-life stories that empower you to initiate these crucial discussions with your loved ones.Tune in and be prepared for a thoughtful, informative, and impactful episode that could change the way your family approaches essential money conversations. Don't miss out!

Embark on a fascinating journey into the world of wealth management and succession planning with our latest podcast episode. In this insightful conversation, we delve into the themes and challenges faced by financial advisors and their clients, exploring the intricate balance between personal growth, business expansion, and client satisfaction.Key Points Covered:Unpacking the differences between a job, a firm, and a business in the wealth management industry.A candid discussion with Bruce Vaughn, founder of VLP Financial Advisors, on his pioneering approach to succession planning.Bruce's journey from a solo practitioner in 1996 to building a successful firm and navigating strategic acquisitions.The importance of a win-win-win scenario in succession planning – a win for the seller, a win for the buyer, and, most importantly, a win for the clients.Insightful tips on structuring deals, addressing financial considerations, and ensuring a smooth transition for clients during acquisitions.The critical role of communication and having a written succession plan, even for advisors who may not be considering an immediate sale.The rise of private equity and consolidation in the wealth management sector and the potential impact on staff and client experiences.Proactive measures and processes to stay ahead in the ever-evolving landscape of financial advisory.This episode offers a unique blend of personal stories, expert insights, and practical advice for financial advisors and business owners in the wealth management space. Whether you're a seasoned professional or just starting your journey, discover the secrets to building a lasting legacy and ensuring a seamless succession for your business.Tune in now and gain valuable perspectives that will empower you on your path to financial advisory success.

Hello, and welcome to another episode of The Live Greater View, where we demystify complex topics and bring you expert insights. Today's episode is a crucial one, especially for our listeners approaching the age of 65 or helping loved ones navigate the intricate landscape of Medicare.In this episode, we've invited a special guest, Emily O'Halloran from MP Group, a seasoned professional in the realm of Medicare education and enrollment. Together, we'll unravel the mysteries of Medicare eligibility, enrollment, and the critical decisions individuals face as they turn 65.Key Points to be Covered:The foundational elements of Medicare: Understanding Part A and Part BThe historical context of Medicare and its evolution over the yearsThe significance of planning before turning 65 to maximize optionsEligibility criteria and considerations for staying on an employer group planThe two major Medicare coverage options: Medicare supplements (Medigap) and Medicare AdvantagePros and cons of Medicare supplements vs. Medicare AdvantageThe importance of understanding Medicare Advantage network limitationsThe impact of travel on Medicare coverage, both within and outside the United StatesNavigating the complexities of Medicare Part D and the Wild West of prescription drug plansRecent changes in coverage for weight loss drugs and their implications for Medicare beneficiariesPractical Takeaways for Listeners:Gain clarity on the fundamental components of Medicare, demystifying its intricacies.Understand the trade-offs between Medicare supplements and Medicare Advantage plans.Recognize the critical importance of planning well before turning 65.Navigate the nuances of travel coverage under different Medicare plans.Stay informed about recent changes in Medicare coverage for prescription drugs.We'd love to hear from you! If you have any questions or thoughts related to financial planning or any topics covered in this episode, reach out to us at vlpfa.com. Let's connect and create a path to a brighter financial future together.So, without further ado, let's dive into this enlightening episode with Emily O'Halloran as we unravel the complexities of Medicare. Stay tuned!

In this episode, we delve into the crucial world of divorce planning with a Certified Divorce Financial Analyst (CDFA). Whether you're contemplating a divorce or in the midst of one, this discussion provides invaluable insights and practical advice on the essential steps to take after a significant life change.Discover the role of CDFA professionals, explore different divorce methods, understand property division, and gain insights into handling market fluctuations during a divorce. Learn how changing market conditions can impact your financial future and the importance of building a support team with various professionals. With a focus on addressing common client concerns and sharing expert guidance, this episode equips you with the knowledge you need to navigate the financial aspects of divorce and build a brighter future.Key Takeaways:The role and significance of Certified Divorce Financial Analysts (CDFA) in divorce planning.Statistics on the number of CDFA professionals in the US.Understanding different divorce methods, including litigation, mediation, collaborative divorce, and the do-it-yourself approach.The order of operations in divorce planning, covering property division, spousal and child support.Common client concerns during divorce, such as housing, expenses, and financial independence.Definitions of separate property and tracing in complex financial situations.How changing market conditions can affect divorcing clients' assets and property.The importance of building a support team of professionals during a divorce.Six quickfire questions clients often ask, addressing various financial aspects of divorce.This episode equips listeners with valuable insights and practical advice for navigating the financial aspects of divorce and building a brighter financial future. We'd love to hear from you! If you have any questions or thoughts related to financial planning or any topics covered in this episode, reach out to us at vlpfa.com. Let's connect and create a path to a brighter financial future together.

Tax Talk-2023 Insights and BeyondWelcome to another enlightening episode of "The Live Greater View"! In this episode, we're delving deep into recent tax law changes and how they shape the landscape of future financial planning. Tax planning is no longer a once-a-year event—it's a year-round process that requires a keen understanding of the evolving tax rules.We begin by highlighting the critical distinction between tax preparation and tax planning, emphasizing the importance of continuous planning throughout the year. Then, we dive into recent changes impacting retirement accounts and planning, shedding light on increased contribution limits, catch-up amounts, and the altered ages for required minimum distributions (RMDs).Key discussion points include:Recent increases in beginning ages for RMDs and its impact on Roth conversionsExemption of Roth accounts in employer retirement plans from RMD requirements starting in 2024Pending changes like 529 plan to Roth-IRA transfers and automatic 401(k) enrollmentUpdates on 2023 tax credits related to residential clean energy, clean vehicles, and energy-efficient home improvementsWe'll also explore the strategic value of scenario analysis in income and tax planning, offering insights that can optimize your financial strategies.We'd love to hear from you! If you have any questions or thoughts related to financial planning or any topics covered in this episode, reach out to us at vlpfa.com. Let's connect and create a path to a brighter financial future together.

The Anatomy of a Financial PlanWelcome to a compelling episode of "The Live Greater View". In this episode, we explore the fascinating world of financial planning, understanding it as a dynamic, ever-evolving process. From the tools and software that empower planners to the crucial data that forms the foundation of a financial plan, we uncover the essence of successful financial navigation.Here's what we'll cover:Financial Planning as a Process:Understanding the role of software and tools in financial planning.Recognizing financial planning as an ongoing, adaptable process.The Data Behind the Plan:Exploring the vital components that make up the core of a financial plan.Addressing the importance of overcoming data-related challenges.Mapping Goals:Categorizing goals into Needs, Wants, and Wishes.How this categorization facilitates a comprehensive financial strategy.Output and Assumptions:Analyzing the net worth and key assumptions in financial planning.Discussing the probability of success as a guiding metric.Scenario Analysis:Diving into the significance of scenario analysis for robust financial plans.Common scenarios and their impact on the financial trajectory.Join us for this enlightening journey through the anatomy of a financial plan. Discover the essential elements that lead to financial success and gain valuable insights into building a robust, adaptable financial strategy.We'd love to hear from you! If you have any questions or thoughts related to financial planning or any topics covered in this episode, reach out to us at vlpfa.com. Let's connect and create a path to a brighter financial future together.

Welcome to the third episode of "The Live Greater View," a financial planning podcast produced by VLP Financial Advisors that discusses life, money, and perspective. In this episode, hosts Rose and Chris dive deep into the world of retirement planning, addressing common questions and sharing expert insights that are valuable whether you're just starting your career or nearing retirement.Key Topics Covered:The significance of employer-sponsored retirement plans and their role in securing your financial future.The importance of maximizing employer matching contributions and the impact it can have on your retirement savings.Target date funds and how they simplify investment decisions based on your anticipated retirement date.The critical importance of reviewing and updating beneficiary designations to align with your current life circumstances.Distribution strategies for retirement accounts, focusing on controlling what you can in a fluctuating market.Historical market data and its relevance in long-term retirement planning.Whether you're a young professional looking to kickstart your retirement savings or someone closer to retirement seeking to fine-tune your strategy, this episode offers valuable insights and actionable advice. Don't miss out on this opportunity to gain a fresh perspective on retirement planning.

The Art and Science of Legacy PlanningWelcome to the Live Greater View, a financial planning podcast produced by VLP Financial Advisors that discusses life, money, and perspective. We help clients live their best life at every stage through our VLP live greater partnership process. Thank you for tuning in.In this episode, "The Art and Science of Legacy Planning," we dive deep into the crucial aspects of planning for your financial legacy. Our special guest, Dan Lash from VLP Financial Advisors, joins the conversation as we explore the intersection of financial planning and the emotional elements of legacy planning.Key Discussion Points:Earnings Season and Market Trends: We kick off with a quick overview of recent market trends and earnings season updates, providing insights into how companies are performing against expectations.Defining Legacy Planning: Delving into the heart of the episode's topic, we discuss the distinction between estate planning and legacy planning. We explore the emotional side of legacy planning, addressing the desire to leave an impact on future generations beyond just financial transfers.Planning for Future Generations: We examine the importance of carefully considering when, how, and to whom you wish to pass on your wealth. Topics include determining the appropriate age for beneficiaries to receive assets, safeguarding against potential financial risks, and structuring trusts to achieve your legacy goals.Charitable Giving and Tax Benefits: Discover how charitable giving can be integrated into legacy planning to create a positive impact on causes you care about while also potentially reducing tax liabilities. We discuss strategies such as qualified charitable distributions and donor-advised funds.Estate Documents and Organization: We emphasize the significance of having comprehensive estate documents in place, including wills, powers of attorney, and medical directives. We stress the importance of reviewing and updating beneficiaries to ensure they align with your intentions.Estate Register and Practical Considerations: Learn about the value of an estate register—a document that compiles all vital information, account details, and contacts in one place. We cover topics like safe deposit boxes, online account management, and fostering open communication among family members and professionals.Legacy planning goes beyond the financial aspect and taps into the emotional desire to leave a lasting impact on loved ones and causes that matter. In this episode, we provide valuable insights, expert perspectives, and practical tips for creating a well-rounded legacy plan that encompasses both your financial goals and your values. Whether you're just beginning to think about legacy planning or seeking to enhance your existing strategy, this episode offers actionable advice and real-world examples to guide you on your journey.

Live Greater View: Navigating Life, Money, and Perspective for a Fulfilling FutureWelcome to the Live Greater View, a financial planning podcast produced by VLP Financial Advisors that discusses life, money, and perspective. In this exciting first episode, hosts Chris and Rose delve into their motivations for creating this podcast, giving clients and potential clients an inside look into their financial planning process. Unlike other industry podcasts, they are on the ground, meeting with clients daily, and managing real money for real people.Throughout the episode, Chris and Rose provide expert insights and practical advice on various financial topics, aiming to empower listeners to live their best life at every stage. They tackle market trends, inflation data, and market performance, helping listeners make informed decisions about their investments.Key Topics Covered:Unpacking recent market events and inflation data, providing insights into potential rate hikes and implications for investors.Balancing the technical and non-technical aspects of retirement planning, discussing the importance of having conversations about individual retirement scenarios.Understanding the impact of income taxes, IRMAA, and other tax rules on retirement planning.Utilizing distribution strategies to determine asset allocation, helping clients align their investments with their lifestyle goals.Emphasizing the need for conservative investments to weather market downturns and ensuring clients are prepared for any scenario.This episode offers a unique perspective on financial planning, combining technical expertise with a focus on individual client goals and values. Listeners will gain inspiration, practical advice, and valuable insights into achieving financial security and a fulfilling future. Join Chris and Rose as they explore the Live Greater View and learn how to make the most of your financial journey.We'd love to hear from you! If you have any questions or thoughts related to financial planning or any topics covered in this episode, reach out to us at vlpfa.com. Let's connect and create a path to a brighter financial future together.Tune in now for the first episode of Live Greater View, and let's embark on a journey toward a more prosperous and fulfilling life.

Welcome to “The Live Greater View” podcast. The official podcast of VLP Financial Advisors. VLP Financial Advisors is an independent, full-service wealth services firm, with over $1.2B in AUA through Cetera Advisor Networks as of 1/31/23, with clients located nationwide. Our professionals work with families and individuals on financial planning, investment management, and retirement planning, as well as with corporate clients and their employees to create and manage retirement plans and employee education. We believe in partnering with our clients to help them align their financial decisions with their goals and vision for the future, so they can live greater at every life stage. We help clients live their best life through our VLP Live Greater Partnership Process. It’s our passion, and we’ll be with you every step of the way.