Business Details
41 Years
experience
Your Trusted Financial Partner in Roanoke, VA
Founded in 1985, Vip Planners, Inc. is an independent, fee-only Registered Investment Advisory firm serving individuals, families, and small businesses in Roanoke, Virginia. Our fiduciary responsibility ensures all recommendations prioritize client interests, leveraging over 30 years of experience in wealth management, retirement planning, and tax strategies. We provide personalized financial plans tailored to each client's unique goals, combining comprehensive portfolio management tools with a holistic approach to financial well-being.Our team holds advanced credentials, including the Chartered Financial Consultant designation, and maintains strict adherence to ethical guidelines. We serve clients across Roanoke, Lynchburg, and Smith Mountain Lake, offering unbiased guidance through both market cycles and life transitions.
Services
Financial Planning
Wealth Management
Tax Strategies
Estate Planning
Education Planning
Retirement Planning
Insurance Analysis
Portfolio Management
Social Security Planning
401k Rollovers
Details
- Year established: 1985
Highlights and features
- We operate as a fiduciary, prioritizing client interests above all else
- Our team holds the Chartered Financial Consultant designation
- We've provided personalized financial planning since 1985
- We offer comprehensive wealth management under one roof
- We serve clients across Roanoke Valley and Smith Mountain Lake
Services
Financial Planning
We create customized financial roadmaps addressing retirement, education, and estate planning needs. Our process begins with comprehensive goal assessment and cash flow analysis to develop strategies tailored to individual circumstances. Clients receive ongoing portfolio adjustments and market opportunity evaluations while maintaining tax-efficient investment approaches.
Wealth Management
Our wealth management approach combines strategic asset allocation with tactical market adjustments. We construct diversified portfolios aligned with risk tolerance and financial objectives, continuously monitoring for rebalancing opportunities. The service integrates tax and estate considerations while maintaining flexibility for changing life circumstances and market conditions.
Tax Strategies
We develop proactive tax minimization strategies considering both current and future obligations. Our approach evaluates investment structures, retirement account distributions, and estate planning elements to optimize after-tax returns. We collaborate with external tax professionals to ensure comprehensive implementation aligned with evolving tax regulations and client-specific circumstances.
Estate Planning
Our estate planning service focuses on preserving wealth for intended beneficiaries through strategic gifting, trust structures, and beneficiary designations. We coordinate with legal professionals to implement tax-efficient transfer mechanisms while addressing incapacity planning and healthcare directives to protect client interests across their lifetime.
Retirement Planning
We help clients determine retirement readiness through cash flow modeling and risk assessment. Our planning considers Social Security optimization, pension options, and sustainable withdrawal strategies to ensure financial security throughout retirement. The service includes 401k rollovers and IRA management to consolidate retirement assets under a unified strategy.
People
Terry L. VandeLinde
Founder
Founder of Vip Planners since 1985, Terry holds the Chartered Financial Consultant designation. He specializes in comprehensive financial planning, having conducted numerous seminars on estate and tax strategies. Terry combines extensive investment experience with community involvement through local professional organizations.
Ryan VandeLinde
Financial Advisor
Ryan provides financial services focusing on insurance analysis and retirement planning. With background in Christian ministry and Spanish language proficiency, he brings relationship-building expertise to client interactions. He works with Vip Planners' investment strategies while offering independent insurance solutions to complement financial plans.
Questions
What financial services do you offer?
We provide comprehensive financial planning, wealth management, retirement planning, tax strategies, estate planning, education planning, and insurance analysis services.
Are you legally required to act in my best interest?
Yes, as a Registered Investment Advisor, we have a fiduciary duty to prioritize your financial interests in all recommendations.
How are you different from other financial advisors?
We combine 30+ years of experience with a holistic approach, offering independent advice without product sales incentives or conflicts of interest.
Do you work with clients outside Roanoke?
Yes, we serve clients throughout Lynchburg, Smith Mountain Lake, and surrounding areas in addition to Roanoke Valley.
What credentials do your advisors hold?
Our lead advisor holds the Chartered Financial Consultant (ChFC) designation, requiring extensive education and ethical standards.
How do you charge for your services?
We operate as a fee-only advisor, charging transparent management fees based on assets under management without hidden costs.
