Welcome to The Live Greater View, the financial planning podcast by VLP Financial Advisors, where we discuss life, money, and perspective. As 2024 draws to a close, it's time to look ahead and prepare for a promising 2025. How do potential changes in the economy, tax policies, and personal goals shape your financial roadmap? Let’s dive in!

In this episode, we explore:

• The Impact of Presidential Elections on Markets: Does a new administration mean market upheaval? We break down the myths and realities.
• End-of-Year Tax Planning: Strategies for managing withholdings, Roth conversions, and maximizing deductions.
• Preparing for Sunsetting Tax Policies: How to plan for 2025 and beyond with potential tax changes on the horizon.
• Maximizing Retirement Savings: From Roth 401(k) contributions to new catch-up rules, we guide you on navigating upcoming changes.
• Goal-Setting for Long-Term Success: Tips for aligning your financial plan with life priorities, like retirement, education, and big purchases.

Gain actionable insights into creating a flexible yet forward-thinking financial strategy. Learn how small steps now can have a big impact on your future.

Practical Takeaways:

• Manage volatility and focus on long-term gains.
• Leverage tax-saving opportunities before deadlines.
• Plan for financial goals with confidence, no matter the uncertainties.

Start planning your brighter future today! Tune in and take control of your financial journey with The Live Greater View.

Welcome to The Live Greater View, your go-to podcast for practical financial planning insights. Produced by VLP Financial Advisors, this episode offers expert guidance on a crucial topic: Medicare Enrollment. Whether you’re enrolling for the first time or reassessing your current plan, you won't want to miss this one.

We’re excited to have Emily O’Halloran from EMP Group joining us to break down everything you need to know about Medicare, including new changes on the horizon for 2025. We’re diving into the details to help you feel confident as you make these important decisions about your health coverage.

Here’s what we’ll cover:

• Key differences between Medicare, Medicaid, and Medicare Advantage.
• Eligibility requirements and how to avoid common enrollment pitfalls.
• Understanding your Medicare options: Original Medicare vs. Medicare Advantage.
• Upcoming changes to Medicare in 2025 and how they may affect your coverage.
• What you need to know about Medicare Supplements and the best time to enroll.
• Practical advice on when and how to review and adjust your Medicare plans.

Tune in for expert advice, valuable insights, and practical tips to make the best decision for your health and financial future.

Join us for this episode packed with actionable advice, and ensure you’re prepared for the Medicare decisions that lie ahead!

Are you confident you understand the ins and outs of your 401(k) investments? In today's episode, we dive deep into one of the most common and misunderstood tools in retirement planning—target date funds. As these funds have become the default in many 401(k) plans, it's more important than ever to grasp their nuances.

Join us as we break down what a target date fund really is, how it works, and why it may or may not align with your retirement goals. We'll explore common misconceptions, explain the differences between active and passive management, and uncover the significance of "glide paths" in determining the risk levels in your portfolio. Whether you're a beginner or seasoned investor, this episode will help you understand the key elements of these funds and how they can impact your financial future.

Listen in and gain clarity on how to make the most of your retirement savings strategy!