The Live Greater View

Hosted by VLP Financial Advisors

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Jun 2026

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About the show

Welcome to “The Live Greater View” podcast - a financial planning podcast covering retirement planning, tax strategies, wealth management, investing, estate planning, and financial decisions for individuals, families, professionals, executives, and business owners. This is the official podcast of VLP Financial Advisors. VLP Financial Advisors is an independent, full-service wealth services firm, with $1.5B* in assets under administration (AUA), as of 1/21/2026, 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. Hosted by Rose Price, CFP®, AIF®, Chris Mellone, CFA®, CFP®, AIF®, and Daniel Lash, CFP®, AIF®. Cetera Wealth Services LLC (custody/administration ) AUA $1.15B, Fidelity Retirement (record keeping) AUA $190M, ADP Retirement (record keeping) AUA $155M. 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. 8391 Old Courthouse Rd, Suite 203, Vienna, VA 22182 | 703-356-4360.

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52 recent

June 11, 2026Episode 629 min

Retirement Readiness: Insurance, Medicare, and Estate Planning (Ep. 6)

As you reach the final decade before retirement, protecting your health, income, and legacy becomes a top priority. Rose Price CFP®, AIF®, and Chris Mellone CFA, CFP®, AIF®, dive into the "protection equation," helping you evaluate which safety nets are still necessary and which are simply hidden expenses. From the evolution of long-term care to navigating the complexities of Medicare and trusts, learn how to shield your plan from unexpected derailments. Key Topics:Life & Disability Insurance Audit: Why the need for high-premium whole life or group term policies often diminishes as you pay down debt, and how to determine if your disability coverage is capped too low for your peak earning years.Long-Term Care & Hybrid Policies: A deep dive into modern "asset-based" or hybrid LTC policies that offer a multiplier for care but return your money to your family if never used.Medicare & Estate Planning Essentials: Strategies for bridging the healthcare gap if you retire before 65, navigating IRMAA premium surcharges, and why your financial advisor and estate attorney must coordinate on trust titling and beneficiary rules.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.

May 21, 2026Episode 526 min

Retirement Readiness: Tackling Debt and Taxes Before You Retire (Ep. 5)

Before you can plan for where you want to go, you must establish a clear baseline of your current financial health. Rose Price CFP®, AIF®, and Chris Mellone CFA, CFP®, AIF®, discuss the critical first steps of the ten-year countdown to retirement, focusing on the data and thought processes needed to set your baseline.Key Topics:Net Worth Calculation: How to organize diverse assets from 401(k)s and TSPs to real estate and business valuations.Debt & Liability Audit: Strategies for prioritizing high-interest debt and understanding how liabilities impact your retirement timeline.Cash Flow Management: Moving beyond digital spending to track expenses and redirecting pay raises to move the needle on your savings.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.

May 14, 20264 min

The 401(k) Playbook: The 7 Biggest 401(k) Mistakes

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

May 7, 20263 min

The 401(k) Playbook: 2026 401(k) Contribution Limits

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

May 4, 20264 min

Market Pulse: How Markets Behave During Conflicts

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®, and Chris Mellone CFA, CFP®, AIF®, 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.

April 28, 202634 min

VLP Spotlight: Women's History Month - How Women’s Financial Power Has Evolved

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.

April 23, 2026Episode 425 min

Retirement Readiness: Smart Investing for the Home Stretch (Ep. 4)

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" 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.

March 26, 2026Episode 329 min

Retirement Readiness: Maximizing Your Retirement Savings (Ep. 3)

In our third episode of our Retirement Readiness Journey, Rose Price CFP®, AIF®, and Chris Mellone CFA, CFP®, AIF®, 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.

March 23, 20266 min

Market Pulse: Oil Prices Are Surging - Here's What's Behind It

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.

February 28, 2026Episode 221 min

Retirement Readiness: Defining Your Lifestyle Goals (Ep. 2)

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.