VLP Financial Advisors

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VLP Financial Advisors VLP Financial Advisors is an independent, full-service wealth services firm. Cetera is under separate ownership than any other named entity.

We work with families and individuals on financial planning, investment management, and retirement planning, as well as with corporate clients and their employees. VLP Financial Advisors is an independent wealth services firm offering a full spectrum of financial services. We work with families and individuals on financial planning, investment management and retirement strategies, as well as with corporate clients to create and manage retirement plans and provide employer and plan participant education. Find out more about with VLP Financial Advisors and how we can help you live greater. Our individualized services include:
- Financial planning
- Asset management and investment strategies
- Retirement planning
- Risk management analysis
- Estate legacy planning
- Insurance coverage analysis

Securities offered through Cetera Wealth Services, LLC, member FINRA/SIPC. Advisory Services offered through Cetera Investment Advisers LLC, a registered investment adviser.

QUOTED! Sean Beznicki, CFA, Director of Investments, was quoted on The Daily Upside - Model Behavior: Providers Focus on...
10/16/2026

QUOTED! Sean Beznicki, CFA, Director of Investments, was quoted on The Daily Upside - Model Behavior: Providers Focus on Taxes and Alts

Check out the full article here: https://www.thedailyupside.com/advisor/financial-planning/model-behavior-providers-focus-on-taxes-and-alts/



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. Sean Beznicki is a Registered Administrative Assistant for Cetera Wealth Services, LLC. Information is provided by Sean Beznicki, CFA, Director of Investments, and written by Mallika Mitra from The Daily Upside, 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. VLP Financial Advisors, 1751 Pinnacle Drive, Suite 425, McLean, VA 22102.

10/14/2026

Don’t Delay Social Security

When should you claim Social Security? While many people initially plan to wait until age 70, the decision often becomes more nuanced as retirement approaches.

In this clip Rose Price, CFP®, AIF®, and Chris Mellone, CFA, CFP®, AIF®, share a client example that illustrates why Social Security planning involves more than simply maximizing benefits. Every situation is different, and the right claiming strategy depends on how Social Security fits into your broader retirement income plan.

Watch the full episode: Retirement Readiness - The Last Year Before Retirement - Social Security and Medicare: 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.

What is exit planning?Exit planning doesn’t necessarily mean you’re ready to sell your business. In fact, starting the c...
10/13/2026

What is exit planning?

Exit planning doesn’t necessarily mean you’re ready to sell your business. In fact, starting the conversation years before you plan to step away can give you more time and flexibility to prepare for whatever comes next.

In this video, Andrew Fincher, CFP®, CEPA®, AIF®, explains why business owners should think about exit planning well before a transition is on the horizon. From reducing the business’s dependence on you and developing key employees to improving processes, profitability, and overall business value, starting early gives you the runway to identify opportunities and make meaningful changes over time.

Your eventual transition could mean selling to a third party, passing the business to family, transitioning ownership to a key employee, or continuing to work longer than expected. You don’t need to have that answer today. Exit planning is about building a business—and a plan—that gives you options when the time comes.

Click here to watch the quick video: https://youtu.be/_igwnINf82A

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

10/12/2026

Have you checked out The Live Greater View Podcast?

Whether you're readying for retirement, following news and how it affects the markets, learning more about your 401(k), or exploring topics like business succession and exit planning, there's something for everyone.

With four unique series featuring our own advisors (and guests) of VLP Financial Advisors, we're sharing conversations designed to educate, inform, and help you make more confident financial decisions.

Listen now on Apple, Spotify, or watch on YouTube.

Click here to watch on YouTube: https://www.youtube.com/

10/09/2026

Social Security Is Not One Size Fits All

When it comes to Social Security, there is no "best" claiming strategy.

In this clip, Rose Price, CFP®, AIF®, and Chris Mellone, CFA, CFP®, AIF®, discuss why the answer you find online may not be the right answer for you. While calculators and articles can provide useful information, the decision of when to claim Social Security should be based on your personal goals, retirement timeline, income needs, and overall financial plan.

We encourage clients to look beyond the headlines and focus on what makes the most sense for their unique circumstances.

Watch the full episode: Retirement Readiness - The Last Year Before Retirement - Social Security and Medicare: 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.

10/08/2026

The Disability Insurance Gap

Many people insure their homes, cars, and belongings, but overlook one of their most valuable assets: their ability to earn an income.

In this clip, Rose Price, CFP®, AIF®, and Chris Mellone, CFA, CFP®, AIF®, discuss why disability insurance is an important part of a comprehensive financial plan, especially during your peak earning years. One of the most common gaps we see is individuals who have coverage through work but don't realize the benefit may be capped well below their actual income.

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.

You've spent your career saving for retirement. The next step is learning how to turn those savings into a paycheck that...
10/07/2026

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. 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 Covered:

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.

Click here to watch this episode: https://youtu.be/HMpSQL1dWL8

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.

QUOTED! Andrew Fincher, CFP®, CEPA®, AIF®, Financial Advisor, was quoted on FinancialPlanning - Beware of fiduciary miss...
10/06/2026

QUOTED! Andrew Fincher, CFP®, CEPA®, AIF®, Financial Advisor, was quoted on FinancialPlanning - Beware of fiduciary missteps when making 401(k) rollover recommendations

Check out the full article here: https://www.financial-planning.com/news/beware-of-fiduciary-missteps-when-making-401k-rollover-recommendations

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 Zoe Sagalow from FinancialPlanning, 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.

10/05/2026

Self-insure or buy long-term care?

Long-term care is one of those topics that should be part of every retirement planning conversation.

In this clip, Rose Price, CFP®, AIF®, and Chris Mellone, CFA, CFP®, AIF®, discuss how long-term care fits into a financial plan and why the answer isn’t always simply “buy insurance.” For some clients, the plan may show they have enough guaranteed income and assets to self-insure. For others, setting aside coverage can provide added peace of mind.

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.

Medicare can feel overwhelming, especially when you’re approaching age 65, planning for retirement, or trying to underst...
10/02/2026

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 Your Medicare Options
• Medicare Costs, IRMAA & Prescription Coverage
• Open Enrollment & 2027 Changes

Click here to watch this special episode: https://youtu.be/wHrpzE-NfVQ

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.

Address

McLean, VA

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

Telephone

(703) 356-4360

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