# VCP Financial

> VCP Financial LLC is a fee-only, independent, fiduciary registered investment advisor (RIA) based in Staten Island, New York, serving individual investors and families in the New York metro area. The firm focuses on risk management, quality-focused portfolio construction, and long-term capital stewardship. SEC CRD #167901.

Key facts:
- Fee-only fiduciary — no commissions, no proprietary products
- Location: 2535 Victory Blvd, Staten Island, NY 10314
- Phone: (212) 328-7876 · Email: info@vcpfinancial.com
- Principals: Daniel Spiegel, Gaurav Lall, Tamir Shabat
- Typical minimum: $1,000,000 investable assets
- Regulatory filings: https://adviserinfo.sec.gov (CRD 167901)

## Main Pages

- [Home](https://www.vcpfinancial.com/): Investment philosophy, portfolio construction process, advisory services, and firm background
- [Blog](https://www.vcpfinancial.com/blog): Educational articles on retirement, tax planning, and investing for NY-area investors
- [Financial Advisor in Staten Island, NY](https://www.vcpfinancial.com/financial-advisor-staten-island): VCP's local page — office at 2535 Victory Blvd, who the firm serves in Staten Island and the NY metro area, fees, and FAQs
- Service areas — dedicated pages: [Brooklyn](https://www.vcpfinancial.com/financial-advisor-brooklyn), [Queens](https://www.vcpfinancial.com/financial-advisor-queens), [The Bronx](https://www.vcpfinancial.com/financial-advisor-bronx), [New York City](https://www.vcpfinancial.com/financial-advisor-new-york-city), [Long Island](https://www.vcpfinancial.com/financial-advisor-long-island), [Central New Jersey](https://www.vcpfinancial.com/financial-advisor-central-new-jersey), [Monmouth County NJ](https://www.vcpfinancial.com/financial-advisor-monmouth-county)
- [Market Notes](https://www.vcpfinancial.com/market-notes): Weekly educational commentary on earnings and markets through a long-term, quality-focused lens
- [Form ADV Part 2A](https://www.vcpfinancial.com/form-adv-part-2a.pdf): Firm brochure — services, fees, conflicts of interest
- [Form CRS](https://www.vcpfinancial.com/crs.pdf): Client relationship summary

## Blog Articles

- [Market Notes: What SpaceX, AMD, Palantir, and Lilly's Earnings Told Long-Term Investors](https://www.vcpfinancial.com/blog/market-notes-2026-08-07): The first week of August 2026 in plain English — SpaceX's debut quarter as a public company, AMD's record that got sold, Palantir's 93% growth, and Lilly's price-versus-volume story.
- [Your First RMD at 73: Timing, the April Deadline, and the Two-RMD Trap](https://www.vcpfinancial.com/blog/first-rmd-at-73): Turning 73 means required minimum distributions begin. Here's how the first-year April deadline works and why delaying it can push two taxable RMDs into one year.
- [Market Notes: What Microsoft, Meta, Apple, and Amazon's Earnings Told Long-Term Investors](https://www.vcpfinancial.com/blog/market-notes-2026-07-31): Big Tech's July 2026 earnings week in plain English — the numbers Microsoft, Meta, Apple, and Amazon reported, the one-time items behind the headlines, and lessons for long-term investors.
- [The Inherited IRA 10-Year Rule: What Heirs Need to Know](https://www.vcpfinancial.com/blog/inherited-ira-10-year-rule): If you inherited an IRA from someone who died in 2020 or later, the 10-year rule may require annual withdrawals. Here's what to understand before year-end.
- [Market Notes: What Alphabet, Tesla, IBM, and Intel's Earnings Told Long-Term Investors This Week](https://www.vcpfinancial.com/blog/market-notes-2026-07-24): A look at what Alphabet, Tesla, IBM, and Intel actually reported in late July 2026 — the numbers, the one-time items that distorted them, and what durable-business investors can learn.
- [Qualified Charitable Distributions: Give From Your IRA and Skip the Tax on Your RMD](https://www.vcpfinancial.com/blog/qcd-give-from-your-ira): A QCD lets IRA owners 70½ and older give directly to charity, count it toward the RMD, and keep it out of taxable income. Here's how the 2026 rules work.
- [Social Security's Trust Fund Date Moved Up to 2032: What It Actually Means for Your Benefits](https://www.vcpfinancial.com/blog/social-security-trust-fund-2032): The 2026 Trustees Report projects the retirement trust fund depletes in late 2032, with 78% of benefits still payable. What that does — and doesn't — mean.
- [Market Notes: What the Banks, the Chipmakers, and UnitedHealth Told Long-Term Investors This Week](https://www.vcpfinancial.com/blog/market-notes-2026-07-17): A look at what JPMorgan, Goldman Sachs, TSMC, ASML, and UnitedHealth actually reported in mid-July 2026 — the numbers, the caveats, and what durable-business investors can learn.
- [Earn Over $150,000? Your 401(k) Catch-Up Contributions Are Now Roth-Only](https://www.vcpfinancial.com/blog/roth-only-catch-up-rule-2026): Starting in 2026, higher earners age 50+ must make 401(k) catch-up contributions as Roth. Who's affected, how the $150,000 test works, and what to check.
- [A Mid-Year Tax Checkup for Retirees: Withholding, Estimated Taxes, and the December RMD Move](https://www.vcpfinancial.com/blog/mid-year-tax-checkup-retirees): July is the right time for retirees to catch under-withholding. Safe harbor rules, the Sept. 15 estimated tax deadline, and a year-end RMD technique.
- [The SALT Cap Just Quadrupled: What the $40,400 Deduction Means for New York Homeowners in 2026](https://www.vcpfinancial.com/blog/salt-cap-2026-new-york): The SALT deduction cap rises to $40,400 in 2026 — but phases back down above $505,000 of income. What NY-area homeowners should know before year-end.
- [New York's Estate Tax Cliff: Why Going Just Over the Line Can Cost a Fortune](https://www.vcpfinancial.com/blog/new-york-estate-tax-cliff): New York taxes estates above $7.35 million in 2026 — and a quirk called the cliff can tax the entire estate, not just the excess, if you go a little over.
- [The New $6,000 Senior Deduction: Who Qualifies and How It Works](https://www.vcpfinancial.com/blog/new-senior-deduction-2025): A new federal deduction lets many people 65 and older deduct an extra $6,000 for tax years 2025 through 2028. Here's who qualifies and the income limits.
- [New York Capital Gains Tax: What NY-Area Investors Should Know](https://www.vcpfinancial.com/blog/new-york-capital-gains-tax): New York taxes capital gains as ordinary income — with no preferential rate. Here's how the state, city, and federal layers stack up for NY-area investors, and why it matters for planning.
- [Roth Conversions: When They Make Sense — and When They Don't](https://www.vcpfinancial.com/blog/roth-conversions-when-they-make-sense): A Roth conversion can be a powerful tax-planning tool or an expensive mistake. The difference comes down to your tax rate now versus later, and a few details most people overlook.
- [2026 IRA & 401(k) Contribution Limits: What Changed and How to Use It](https://www.vcpfinancial.com/blog/2026-ira-401k-contribution-limits): The IRS raised retirement contribution limits for 2026. Here are the new 401(k), IRA, and catch-up figures — and the planning ideas worth acting on.
- [AI vs. Your Advisor: What Technology Can — and Cannot — Do For Your Retirement](https://www.vcpfinancial.com/blog/ai-vs-your-advisor): AI-powered financial tools are genuinely useful. They are also genuinely limited. Understanding the difference could save you from an expensive mistake.
- [Concentrated Stock: Managing Employer Stock Risk Before Retirement](https://www.vcpfinancial.com/blog/concentrated-stock-risk-before-retirement): Having too much of your net worth in a single company's stock is one of the most common — and most preventable — wealth risks facing pre-retirees today.
- [7 Questions to Ask Your Financial Advisor Before You Hand Over Your Portfolio](https://www.vcpfinancial.com/blog/7-questions-to-ask-your-financial-advisor): Most investors never ask these seven questions. The ones who do make significantly better decisions about who manages their money.

## Disclosures

Content is educational only and is not investment, tax, or legal advice. VCP Financial does not promise returns or recommend specific securities on this site. Individual circumstances vary; readers should consult their own advisors.