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®, and Chris Mellone CFA, CFP®, AIF®, 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" events
• The 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 phase
• Real 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% loss
• Building Your Glide Path: Why a custom allocation based on your unique legacy goals and income needs is superior to internet advice
• The "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 swings
• The 5-to-7 Year Underwater Period: Why your portfolio must include conservative investments to fund lifestyle expenses during extended bear markets
• Diversification Nuances: How rebalancing between international, growth, and value stocks can buffer your portfolio and accelerate recovery

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-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. 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.