For many successful business owners, the business still depends heavily on their knowledge, relationships, and decision-making. That may work well today, but it can make eventually stepping away much more difficult.

In this video, Andrew Fincher, CFP®, CEPA®, AIF®, discusses why an important part of exit planning is understanding what would happen if you stopped showing up tomorrow. Who would make key decisions?

Who would manage important client relationships? Are your processes documented? Can your leadership team operate independently?

Building a business that can operate without you can create greater resilience today while giving you more flexibility for the future. Whether you eventually sell, transition ownership, or choose another path, reducing the business’s dependence on you can help create more options when the time comes.

Every business owner will eventually leave their business. Planning ahead can help make sure that transition happens by design rather than by default.

Visit vlpfa.com to learn more 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 adviser. 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

Planning for senior living can feel overwhelming, especially when families wait until a health event forces a quick decision.

In this episode of the Retirement Readiness Journey, Rose Price CFP®, AIF®, and Chris Mellone CFA, CFP®, AIF®, are joined by Ginger Noce and Kristy Kennedy of Silver Bridges Consulting to break down how families can approach senior living decisions with more time, information, and confidence. From understanding independent living, assisted living, memory care, and Life Plan Communities to evaluating costs, waitlists, staffing, and overall fit, this episode provides practical guidance for older adults and families preparing for the next stage of aging.

Key Topics Covered:

• Choosing the Right Senior Living Community: Understanding the differences between independent living, assisted living, memory care, rental communities, and Life Plan Communities, while evaluating leadership, staffing, location, amenities, and the overall culture of a community.
• Senior Living Costs, Waitlists & Financial Planning: Comparing entrance-fee and rental models, preparing for future care costs, understanding contract and estate-planning considerations, and why families may need to begin exploring communities years before they expect to move.
• Planning for a Successful Aging Transition: Starting the conversation before a crisis, navigating the emotional challenges of moving, maintaining independence and social connection, and helping older adults adjust to a community that supports their safety, relationships, and quality of life.

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; Co-hosted by Ginger Noce and Kristy Kennedy from Silver Bridges Consulting. Ginger Noce and Kristy Kennedy are not affiliated or registered with Cetera Wealth Services, LLC. Any information provided by them is in no way related to Cetera Wealth Services, LLC or its registered representatives. VLP Financial Advisors, 1751 Pinnacle Drive, Suite 425, McLean, VA 22102 | 703-356-4360.

Medicare can feel overwhelming, especially when you’re approaching age 65, planning for retirement, or trying to understand how your current coverage fits with what comes next.

In this special episode, Rose Price, CFP®, AIF®, and Chris Mellone, CFA, CFP®, AIF®, are joined by Emily O’Halloran, Executive Director of EMP Group, to break down the Medicare decisions that often create the most confusion for retirees and pre-retirees.

The conversation covers when to start planning, how employer coverage and COBRA interact with Medicare, the differences between Parts A, B, C, and D, Medicare Advantage versus Original Medicare, Medigap coverage, IRMAA, prescription drug costs, open enrollment, and changes to watch for in 2027.

Key Topics:

• Medicare Enrollment & Working Past 65: Understanding when enrollment is required, when it may be postponed, how employer size can affect your options, and why COBRA may not work the way many people expect.
• Understanding Your Medicare Options: Breaking down Medicare Parts A, B, C, and D, along with Medicare Advantage, Medicare supplement insurance, and the tradeoffs that come with different types of coverage.
• Medicare Costs, IRMAA & Prescription Coverage: Exploring how income can affect Medicare premiums, how Part D costs can change, and why reviewing prescription coverage each year can be an important part of retirement planning.
• Open Enrollment & 2027 Changes: What current Medicare beneficiaries should review during open enrollment and some of the changes that may affect coverage and costs in the year ahead.

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. Co-hosted by Emily O’Halloran. Emily O’Halloran is not affiliated or registered with Cetera Wealth Services, LLC. Any information provided by them is in no way related to Cetera Wealth Services, LLC or its registered representatives. VLP Financial Advisors, 1751 Pinnacle Drive, Suite 425, McLean, VA 22102 | 703-356-4360.