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!

Ready to master the art of estate planning? In this episode, we dive deep into the essentials of estate planning with Donna Fincher, a seasoned estate planning attorney.

Whether you're a novice or looking to refine your current plan, this discussion is your ultimate guide to understanding the complexities of wills, trusts, and more.

Join us as we explore:

• The crucial role of estate planning and why it matters for everyone.
• Key documents you need: wills, medical directives, and powers of attorney.
• The differences between wills and trusts, and why a trust might be beneficial.
• Practical tips for avoiding probate and simplifying estate administration.
• How to handle beneficiary designations and the impact of changing laws.

Donna provides actionable advice to ensure your assets are protected and your wishes are honored. Tune in to gain clarity and confidence in your estate planning journey!

Welcome to The Live Greater View, a financial planning podcast produced by VLP Financial Advisors, where we discuss life, money, and perspective. Today, we’re diving into a topic that often comes up with clients as they plan for the future—charitable giving. If you’ve ever wondered how to make a meaningful impact with your wealth, this episode is for you.

Charitable giving isn’t just about writing checks; it’s about aligning your financial goals with your values and making a lasting difference. Whether you’re in the early stages of your career or approaching retirement, understanding the options available for charitable giving can help you maximize both the impact on the causes you care about and the benefits of your financial plan.

In This Episode, We’ll Cover:

• The Evolution of Charitable Giving: How attitudes towards charitable donations have shifted over the years and why more people are prioritizing giving in their financial plans.
• Common Scenarios: Real-life examples of how clients have approached charitable giving and the strategies that have worked best for them.
• The Technical Side: A breakdown of popular funds and structures to implement charitable giving, including donor-advised funds and charitable trusts.
• Planning Ahead: How to incorporate charitable giving into your retirement plan without compromising your financial security.
• Practical Tools: An introduction to the financial planning software we use to help clients visualize and achieve their charitable goals.

By the end of this episode, you’ll have a clear understanding of the many options available for charitable giving, along with practical advice on how to start making a difference today.

Tune in now to learn how you can live greater by giving greater, and making your retirement years not just about financial freedom, but about leaving a legacy that matters.

Welcome to the Live Greater View, the financial planning podcast brought to you by VLP Financial Advisors. In this episode, we dive into a topic that often confuses and overwhelms many—choosing the right financial advisor or planner. Our hosts unpack the complexities surrounding this decision and provide practical insights to help you make informed choices.

In this Episode, We Discuss:

• The differences between financial advisors, planners, and other financial professionals.
• How to identify and select a qualified advisor that aligns with your financial goals.
• The importance of understanding various financial credentials, like CFP, and what they signify.
• Key considerations when transitioning from a transactional to a comprehensive planning relationship.
• The critical role of retirement planning in your financial journey, especially as you approach major life changes.
• Investment strategies: aligning your portfolio with your long-term goals.
• Tax planning as an ongoing process, not just a once-a-year task.
• Estate planning essentials and common misconceptions to avoid.
• The role of insurance in comprehensive financial planning, from life insurance to liability coverage.

This episode is packed with expert insights and practical advice, perfect for anyone looking to better understand the financial planning landscape. Whether you're seeking to secure your financial future or help a loved one make wise decisions, this episode offers valuable guidance.

Tune In and Take Control of Your Financial Future! Don't miss out on this informative episode that could be the key to unlocking a more secure and prosperous financial future.

Join VLP Financial Advisors for a discussion with Bill Hueter on how EOS implementation can help grow your small business. The Entrepreneurial Operating System (EOS) works to combine rapid growth and success with a more balanced life for members of an organization.

To learn more about EOS, you can visit their website: https://www.eosworldwide.com/

VLP Financial Advisors is an independent, full-service wealth services firm, with $1.19 B* in assets under administration as of 7/22/2024, 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.

*Cetera Advisor Networks AUM $897 M., Fidelity Retirement AUM $169.4M, ADP Retirement AUM $125M.

Securities and Advisory Services offered through Cetera Advisor Networks LLC, member FINRA/SIPC, a broker/dealer and a Registered Investment Adviser. Cetera is under separate ownership from any other named entity.

Hosted by Daniel Lash, Financial Advisor; and Rose Price, Financial Advisor; VLP Financial Advisors, 8391 Old Courthouse Rd, Suite 203; Vienna, VA 22182. 703-356-4360.

Embark on a journey through the intricate landscape of managing finances as we age in this insightful episode of The Live Greater View. Join us as we delve into the critical yet often overlooked aspects of daily money management for seniors and their families.

In this episode, we uncover the complexities and challenges faced by individuals and families when it comes to handling finances in later stages of life. From the importance of having a clear financial roadmap to the delicate dynamics of family involvement, we leave no stone unturned in exploring this vital topic.

Key Points:

• Understanding the significance of daily money management in later stages of life.
• Exploring the common pitfalls and challenges faced by seniors and their families regarding finances.
• Highlighting the crucial role of clear communication and transparency within families regarding financial matters.
• Unveiling practical strategies and tools for safeguarding against fraud and financial abuse.
• Discussing the various approaches to compensating daily money management services and the factors influencing them.
• Shedding light on the initial onboarding process and the importance of organization in financial management.
• Delving into the intricate dynamics of family involvement and communication in financial decision-making for seniors.

Join us as we unravel the mysteries of daily money management and empower you with valuable insights and strategies to navigate the financial maze of aging with confidence and clarity.

Don't miss out on this enlightening episode—tune in now!