The Live Greater View

Planning for senior living can feel overwhelming, especially when families wait until a health event forces a quick decision.

In this episode of the Retirement Readiness Journey, Rose Price CFP®, AIF®, and Chris Mellone CFA, CFP®, AIF®, are joined by Ginger Noce and Kristy Kennedy of Silver Bridges Consulting to break down how families can approach senior living decisions with more time, information, and confidence. From understanding independent living, assisted living, memory care, and Life Plan Communities to evaluating costs, waitlists, staffing, and overall fit, this episode provides practical guidance for older adults and families preparing for the next stage of aging.

Key Topics Covered:

• Choosing the Right Senior Living Community: Understanding the differences between independent living, assisted living, memory care, rental communities, and Life Plan Communities, while evaluating leadership, staffing, location, amenities, and the overall culture of a community.
• Senior Living Costs, Waitlists & Financial Planning: Comparing entrance-fee and rental models, preparing for future care costs, understanding contract and estate-planning considerations, and why families may need to begin exploring communities years before they expect to move.
• Planning for a Successful Aging Transition: Starting the conversation before a crisis, navigating the emotional challenges of moving, maintaining independence and social connection, and helping older adults adjust to a community that supports their safety, relationships, and quality of life.

Visit vlpfa.com to download resources or schedule a complimentary consultation to begin your personalized Retirement Readiness Journey: 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; Co-hosted by Ginger Noce and Kristy Kennedy from Silver Bridges Consulting. Ginger Noce and Kristy Kennedy are not affiliated or registered with Cetera Wealth Services, LLC. Any information provided by them is in no way related to Cetera Wealth Services, LLC or its registered representatives. VLP Financial Advisors, 1751 Pinnacle Drive, Suite 425, McLean, VA 22102 | 703-356-4360.

Medicare can feel overwhelming, especially when you’re approaching age 65, planning for retirement, or trying to understand how your current coverage fits with what comes next.

In this special episode, Rose Price, CFP®, AIF®, and Chris Mellone, CFA, CFP®, AIF®, are joined by Emily O’Halloran, Executive Director of EMP Group, to break down the Medicare decisions that often create the most confusion for retirees and pre-retirees.

The conversation covers when to start planning, how employer coverage and COBRA interact with Medicare, the differences between Parts A, B, C, and D, Medicare Advantage versus Original Medicare, Medigap coverage, IRMAA, prescription drug costs, open enrollment, and changes to watch for in 2027.

Key Topics:

• Medicare Enrollment & Working Past 65: Understanding when enrollment is required, when it may be postponed, how employer size can affect your options, and why COBRA may not work the way many people expect.
• Understanding Your Medicare Options: Breaking down Medicare Parts A, B, C, and D, along with Medicare Advantage, Medicare supplement insurance, and the tradeoffs that come with different types of coverage.
• Medicare Costs, IRMAA & Prescription Coverage: Exploring how income can affect Medicare premiums, how Part D costs can change, and why reviewing prescription coverage each year can be an important part of retirement planning.
• Open Enrollment & 2027 Changes: What current Medicare beneficiaries should review during open enrollment and some of the changes that may affect coverage and costs in the year ahead.

Visit vlpfa.com to download resources or schedule a complimentary consultation to begin your personalized Retirement Readiness Journey: 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. Co-hosted by Emily O’Halloran. Emily O’Halloran is not affiliated or registered with Cetera Wealth Services, LLC. Any information provided by them is in no way related to Cetera Wealth Services, LLC or its registered representatives.  VLP Financial Advisors, 1751 Pinnacle Drive, Suite 425, McLean, VA 22102 | 703-356-4360.

What is exit planning?

Exit planning doesn’t mean you’re ready to sell your business. In fact, starting the conversation years before you plan to step away can give you more time and flexibility to prepare for whatever comes next.

In this video, Andrew Fincher, CFP®, CEPA®, AIF®, explains why business owners should think about exit planning well before a transition is on the horizon. From reducing the business’s dependence on you and developing key employees to improving processes, profitability, and overall business value, starting early gives you the runway to identify opportunities and make meaningful changes over time.

Your eventual transition could mean selling to a third party, passing the business to family, transitioning ownership to a key employee, or continuing to work longer than expected. You don’t need to have that answer today. Exit planning is about building a business—and a plan—that gives you options when the time comes.

Visit vlpfa.com to learn more 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 adviser. 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 Andrew Fincher, CFP®, CEPA®, AIF®, Financial Advisor. VLP Financial Advisors, 1751 Pinnacle Drive, Suite 425, McLean, VA 22102 | 703-356-4360

The transition into retirement brings a new set of financial and personal challenges. After years of focusing on saving and investing, many retirees find that spending their money confidently can be one of the hardest adjustments to make.

In this episode of the Retirement Readiness Journey, Rose Price, CFP®, AIF®, and Chris Mellone, CFA, CFP®, AIF®, share practical retirement planning strategies for creating sustainable income, managing market volatility, and building confidence throughout retirement.

Key Topics Covered:

• Transitioning from Saving to Spending: Understanding the shift from the accumulation phase to the retirement income phase, creating a sustainable withdrawal strategy, and developing the confidence to spend your retirement savings while supporting your long-term financial goals. 
• Retirement Income Planning & Market Volatility: Managing the fear of running out of money, preparing for market downturns, and using a thoughtful retirement income plan to help maintain confidence through changing market conditions.
• Building a Meaningful Retirement Plan: Defining what a successful retirement looks like, navigating the emotional transition away from work, aligning retirement goals with your spouse, and creating a plan that supports the life you want to live beyond your career. 

Visit vlpfa.com to download resources or schedule a complimentary consultation to begin your personalized Retirement Readiness Journey: 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, 1751 Pinnacle Drive, Suite 425, McLean, VA 22102. 703-356-4360.

The few years leading up to retirement are filled with important financial decisions, and avoiding common mistakes can make a meaningful difference in your long-term success. 

In this special episode of the Retirement Readiness Journey, Rose Price, CFP®, AIF®, is joined by Partner Dan Lash, CFP®, AIF®, to discuss some of the biggest retirement planning mistakes they see pre-retirees make and how thoughtful planning can help you avoid them. From tax strategies and Social Security decisions to retirement income planning and coordinating with your professional team, this episode offers practical insights to help you prepare with confidence.

Key Topics:

• Tax Planning & Retirement Income Strategies: Understanding how different account types are taxed, making informed Roth and pre-tax contribution decisions, identifying Roth conversion opportunities, and creating a tax-efficient retirement income strategy.
• Social Security & Critical Planning Decisions: Evaluating when to claim Social Security, avoiding common claiming mistakes, understanding how benefits fit into your broader retirement plan, and recognizing important planning windows that can have lasting financial consequences.
• Building a Coordinated Retirement Plan: Why successful retirement planning goes beyond investments by coordinating your financial plan with your CPA, estate planning attorney, and other professionals while balancing savings goals, retirement timing, and long-term lifestyle objectives.

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 Daniel Lash, CFP®, AIF®, Partner, Financial Advisor; VLP Financial Advisors, 1751 Pinnacle Drive, Suite 425, McLean, VA 22102. 703-356-4360.

You've spent your career saving for retirement. The next step is learning how to turn those savings into a paycheck that can support the lifestyle you’ want to live. The transition from saving for retirement to living on your savings requires an entirely different approach to financial planning.

In this episode of the Retirement Readiness Journey series, Rose Price CFP®, AIF®, and Chris Mellone CFA, CFP®, AIF®, discuss the transition from accumulating wealth to living on it. From creating tax-efficient withdrawal strategies and coordinating multiple income sources to managing inflation and preparing for required distributions, this episode explores how thoughtful planning can help you retire with greater confidence.

Key Topics:

• The Shift from Saving to Spending: Understanding the psychological transition from earning a paycheck to creating one from your portfolio, adjusting to your "new normal," and building confidence during the first years of retirement.
• Creating a Tax-Efficient Retirement Income Plan: Coordinating withdrawals from traditional retirement accounts, Roth accounts, taxable investments, pensions, and Social Security to help manage taxes and maximize retirement income.
• Planning for Long-Term Retirement Success: Exploring withdrawal strategies, Required Minimum Distributions (RMDs), Roth conversions, Medicare premium surcharges (IRMAA), inflation, and why flexibility is essential to maintaining your lifestyle throughout retirement.

Visit vlpfa.com to download resources or schedule a complimentary consultation to begin your personalized Retirement Readiness Journey: 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. This information may not be relied on for the purpose of determining your social security benefits or eligibility or avoiding any federal tax penalties. You are encouraged to seek advice from your own tax or legal professional. Asset allocation is an investment strategy that will not guarantee a profit or protect you from loss. Rebalancing may be a taxable event. Before you take any specific action be sure to consult with your tax professional. 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, 1751 Pinnacle Drive, Suite 425, McLean, VA 22102. 703-356-4360.

Target date funds are one of the most popular investment options in 401(k) plans, but are they automatically the right choice for everyone?

In this episode of VLP's 401(k) Playbook, Andrew Fincher, CFP®, CEPA®, AIF®, breaks down how target date funds work, why they've become a common default investment, and some of the key differences participants should understand before investing.

From glide paths and underlying investment strategies to the distinction between "to retirement" and "through retirement" funds, not all target date funds are created equal.

The right investment approach depends on your goals, timeline, and overall retirement strategy.

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. Hosted by Andrew Fincher, CFP®, CEPA®, AIF®, Financial Advisor; VLP Financial Advisors, 1751 Pinnacle Drive, Suite 425, McLean, VA 22102. 703-356-4360.

Retirement is about creating a fulfilling and meaningful next chapter. In this episode of the Retirement Readiness Journey series, Rose Price CFP®, AIF®, and Chris Mellone CFA, CFP®, AIF®, discuss the lifestyle, emotional, and financial adjustments that come with life after the paycheck. From finding purpose and building new routines to managing retirement income sustainably, this episode explores what it takes to thrive during retirement and enjoy the freedom you've worked so hard to achieve.

Key Topics:

• Finding New Structure & Purpose: Exploring hobbies, volunteer opportunities, mentoring, and creating a healthy routine that provides purpose, fulfillment, and balance in retirement.
• Managing Retirement Withdrawals Sustainably: Developing a sustainable withdrawal strategy, coordinating income from Social Security, pensions, and investments, and maintaining confidence that your assets can support your long-term goals.
• The Psychology of a Fulfilling Retirement: Adjusting to life beyond your career, maintaining social connections, staying engaged in meaningful activities, and understanding why purpose and relationships are key ingredients to a successful retirement.

Visit vlpfa.com to download resources or schedule a complimentary consultation to begin your personalized Retirement Readiness Journey: 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. The individuals and situations depicted here are hypothetical only and do not represent the actual performance of any particular investment or strategy. All investing involves risk, including the possible loss of principal. Dollar-cost averaging will not guarantee a profit or protect you from loss but may reduce your average cost per share in a fluctuating market. Converting from a traditional IRA to a Roth IRA is a taxable event. 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.

Borrowing from your 401(k) may seem like an easy solution when unexpected expenses arise, but it's important to understand the tradeoffs before tapping into your retirement savings.

In this episode of VLP's 401(k) Playbook, Andrew Fincher, CFP®, CEPA®, AIF®, discusses how 401(k) loans work, the potential impact on your long-term retirement savings, and why borrowing from your retirement account may cost more than many participants realize.

While a 401(k) loan can be a valuable tool in certain situations, it's not a decision to make lightly.

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. Hosted by Andrew Fincher, CFP®, CEPA®, AIF®, Financial Advisor; VLP Financial Advisors, 8391 Old Courthouse Rd, Suite 203, Vienna, VA 22182. 703-356-4360.

Retirement is just 12 months away—are you ready? In the final episode of the Retirement Readiness Journey series, Rose Price CFP®, AIF®, and Chris Mellone CFA, CFP®, AIF®, discuss the key financial and emotional decisions that can help make your transition into retirement a success. From Social Security claiming strategies and Medicare planning to creating a sustainable retirement paycheck and adjusting to life after work, this episode provides practical guidance for navigating your final year with confidence.

Key Topics:

• Social Security Claiming Strategies: Understanding Full Retirement Age (FRA), evaluating early versus delayed claiming decisions, and determining the right strategy based on your goals, health, and retirement timeline.
• Medicare & Healthcare Planning: Preparing for Medicare enrollment, understanding COBRA coverage options, navigating IRMAA surcharges, and avoiding common healthcare planning mistakes before retirement.
• Retirement Income & Lifestyle Transition: Building a retirement paycheck, adjusting spending expectations, creating sustainable withdrawal strategies, and preparing for the emotional shift from working life to retirement.

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.