Episode Details

Before you can plan your future, you must establish a clear baseline of your current financial health. In this kickoff episode of the Retirement Readiness Journey, Rose Price CFP®, AIF®, and Chris Mellone CFA, CFP®, AIF®, explore the essential steps to take ten years before your target retirement date. From analyzing asset location to auditing your debt, learn how to prepare your portfolio for the long haul.

Key Topics Covered:

• Calculating Net Worth: Learn how to organize diverse assets including 401(k)s, TSPs, real estate, and unique collectibles.
  
  
• Strategic Debt Management: Understand the difference between "good" debt like mortgages and "bad" high-interest liabilities.
  
  
• Asset Location & Taxes: Why your 401(k) shouldn't be your only bucket and how to utilize Roth options for better tax flexibility.
  
  
• Cash Flow Tracking: Move beyond digital spending to understand your true cost of living and identify "lifestyle creep".
  
  
• Optimizing Savings: Discover systematic ways to redirect pay raises and "found money" into wealth-building investments.
  
  

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, 8391 Old Courthouse Rd, Suite 203; Vienna, VA 22182. 703-356-4360.