The Live Greater View

Hosted by VLP Financial Advisors

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Aug 2026

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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. 1751 Pinnacle Drive, Suite 425, McLean, VA 22102 | 703-356-4360

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August 12, 2026Episode 931 min

Retirement Readiness: Managing Retirement Distributions (Ep. 9)

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.

July 30, 20264 min

The 401(k) Playbook: Target Date Funds - Are They Actually the Right Choice?

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.

July 22, 2026Episode 836 min

Retirement Readiness: Are You Thriving in Retirement? (Ep. 8)

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.

July 15, 20263 min

The 401(k) Playbook: 401(k) Loans - Helpful Tool or Retirement Killer?

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.

July 1, 2026Episode 730 min

Retirement Readiness: Your Final Year Before Retirement - Social Security and Medicare (Ep. 7)

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.

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-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.

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-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.

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 limit Higher catch-up contributions if you’re 50+ Even more flexibility if you’re in that 60–63 window These 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-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 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-us Securities 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.