VLP Financial Advisors

09/01/2026

Retirement is just 12 months away...are you ready? In this 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 Covered:

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.

Click here to watch this episode: https://youtu.be/I9kHOYVWDG0

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.

Retirement is just 12 mon...

08/31/2026

Planning for the medicare gap in retirement. Health insurance can be one of the trickiest parts of retiring before Medicare.

In this clip, Rose Price, CFP®, AIF®, Financial Advisor, and Christopher Mellone, CFA, CFP®, AIF®, Financial Advisor, talk through a real planning scenario where one spouse retired at 65 and moved to Medicare, while the younger spouse still had a gap before becoming eligible. COBRA helped for part of the transition, but there was still a period where coverage needed to come through the exchange.
Because we had planned ahead with them and built up a separate bucket for that gap, the premiums didn’t have to disrupt the rest of their income plan.

Watch the full episode: Retirement Readiness – Tackling Debt and Taxes Before You Retire - https://youtu.be/7VObBBW7kbc

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.

08/28/2026

QUOTED! Andrew Fincher, CFP®, CEPA®, AIF®, Financial Advisor, was quoted on Yahoo! Finance - 'Dead money': 3 financial advisors reveal where they're parking cash as inflation hits a 3-year high

Check out the full article here: https://finance.yahoo.com/economy/articles/dead-money-3-financial-advisors-105500641.html

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. Information is provided by Andrew Fincher, CFP®, CEPA®, AIF® Financial Advisor, and written by Aditi Ganguly from Yahoo! Finance, a non-affiliate of Cetera Wealth Services, LLC. The information described herein is not endorsed by or affiliated with Cetera Wealth Services LLC, or its affiliates. This information is from sources believed to be reliable, but Cetera Wealth Services, LLC cannot guarantee or represent that it is accurate or complete. VLP Financial Advisors, 1751 Pinnacle Drive, Suite 425, McLean, VA 22102. 703-356-4360.

08/27/2026

Today we're celebrating the Playful Pups of VLP. Whether they are enthusiastically greeting us after a long day or keeping us company while we work, these pups bring energy, personality, and smiles to our day.

Happy National Dog Day from all of us at VLP!

08/26/2026

In honor of , we are revisiting our special VLP Spotlight podcast episode featuring our women advisors as they share their perspective on "How Women’s Financial Power Has Evolved."

From access to credit and homeownership to investing, leadership, and wealth-building, it's a conversation that highlights just how much has changed in a relatively short period of time.

Listen now to hear their insights: https://youtu.be/0ngaljhXpYs

Pictured: Cindy Alexander, Rose Price, CFP®, AIF®, Elizabeth Williams, and Sarah Avila, CFP®, CDFA®

08/25/2026

Long-Term Care Insurance Has Changed

The reality is that many retirees may face some form of long-term care need. Having a plan in place can help protect your assets, provide more options for care, and reduce the financial burden on loved ones.

In this clip, Rose Price, CFP®, AIF®, and Chris Mellone, CFA, CFP®, AIF®, discuss how long-term care insurance has evolved over the years and why it's become such an important consideration in retirement planning. While the policies themselves have changed, the potential cost of care remains significant—especially in areas like Northern Virginia, where care expenses can easily range from $10,000 to $20,000 per month.

Click here to watch the full episode - Insurance, Medicare, and Estate Planning for Retirement: https://youtu.be/8l73rFbiIN4

Schedule a complimentary, no-obligation 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.

08/24/2026

The Roth Conversion Conversation

In this clip, Rose Price, CFP®, AIF®, Financial Advisor, and Christopher Mellone, CFA, CFP®, AIF®, Financial Advisor, talk about a challenge many retirees face: large IRA and 401(k) balances that can create significant tax consequences later in life. Add in Social Security and other income sources, and suddenly retirement can come with a much larger tax bill than expected. Once required minimum distributions begin, adding IRA withdrawals on top of Social Security and other income can potentially push retirees into much higher tax brackets.

Whether it's considering Roth conversions, increasing Roth contributions, or building flexibility through non-retirement investment accounts, having different “tax buckets” to pull from can make a big difference over time and why tax diversification matters. Strategies like Roth contributions, Roth conversions, and building non-retirement investment accounts can create more flexibility later on when it comes to managing taxes in retirement.

Watch the full episode: Retirement Readiness – Tackling Debt and Taxes Before You Retire - https://youtu.be/7VObBBW7kbc

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

08/20/2026

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®, 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.

Click here to watch here this 401(k) Playbook episode: https://youtu.be/txpJvskzTPQ

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.

Borrowing from your 401(k) may see...

08/19/2026

QUOTED! Sarah Avila, CFP®, CDFA®, Financial Advisor, was quoted on AdvisorEngine - Why personal touches win: Lessons from the human side of financial services

Check out the full article here: https://www.advisorengine.com/action-magazine/articles/why-personal-touches-win-lessons-from-the-human-side-of-financial-services



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. Information is provided by Sarah Avila, CFP®, CDFA®, Financial Advisor, and written by Suleman Din and Bernice Napach from AdvisorEngine, a non-affiliate of Cetera Wealth Services, LLC. The views expressed do not necessarily reflect the views of Cetera Wealth Services, LLC (Cetera), or it's affiliates. The linked material is from an independent third party that is not affiliated with or endorsed by Cetera. Cetera makes no representations as to the accuracy or completeness of the information. Investors cannot invest directly in indexes. VLP Financial Advisors, 1751 Pinnacle Drive, Suite 425, McLean, VA 22102. 703-356-4360.

08/18/2026

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 Covered:

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.

Click here to watch this episode: https://youtu.be/8l73rFbiIN4

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

As you reach the f...