That's actually one virtual age category per two bumps, because only the odd categories get extra soulmelds. This would put me at effective Meldshaper level 9 with two soulmelds at character creation, because Witchborn Binder is a half-progression class. However, it makes up for that with custom incarnum-like abilities and bonus essentia, capacity for which is still tied to HD, not level.
[EDIT]Wait- I might only get one soulmeld, depending on your ruling? I was going based on Shaper level/4.
So... I'm not terribly stunted, I think(?), and Incarnum dragons get UMD as a class skill, so I synergize with AvatarVecna.