Laryssa Freeman, CFP - Meritage Wealth Management

Laryssa Freeman, CFP - Meritage Wealth Management Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Laryssa Freeman, CFP - Meritage Wealth Management, Financial planner, 5857 Owens Avenue, Suite 300, Carlsbad, CA.

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09/05/2026

Optimizing your retirement withdrawal sequence solely to minimize current income tax brackets can unintentionally trigger higher Medicare Part B and Part D premiums down the road. Because the Income-Related Monthly Adjustment Amount (IRMAA) uses modified adjusted gross income with strict cliff-thresholds that do not align with standard income tax brackets, a withdrawal or Roth conversion that appears tax-efficient today can trigger surcharges two years later. Sound distribution planning requires evaluating tax bracket boundaries and Medicare surcharge tiers simultaneously before finalizing distributions from taxable, tax-deferred, or Roth accounts.

Have questions book a free call using this url or click in my bio - https://meritagewm.typeform.com/consultation

Meritage Wealth Management (MWM) is a Registered Investment Adviser in the state of
California and in other jurisdictions where exempted. Registration does not imply a certain level
of skill or training.

The information presented on this post is believed to be factual and up-to-date, but we do not
guarantee its accuracy and it should not be regarded as a complete analysis of the subjects
discussed. A professional adviser should be consulted before implementing any of the
strategies discussed. Investments involve varying degrees of risk, and there can be no
assurance that any specific investment or strategy will be suitable or profitable for a client's
portfolio. All investment strategies can result in profit or loss. This platform is solely for
informational purposes and is not offering advisory services or sales of securities.

“Likes” should not be considered a positive reflection of the investment advisory services offered
by Meritage Wealth Management. Comments by viewers and/or recognitions are no guarantee
of future investment outcomes and do not ensure that a viewer will experience a higher level of
performance or results. Public comments posted on this site are not selected, amended,
deleted, or sorted in any way. If applicable, we may edit or delete personally identifiable
information, scam/fraud messages, and misinformation.

09/04/2026

After decades of disciplined accumulation, transitioning into decumulation often creates psychological hesitation around spending, leaving many retirees living far below what their portfolios can comfortably sustain. Accumulating assets is ultimately a means to fund meaningful life experiences, travel, quality time with loved ones, or lifetime gifting while you are here to share it, rather than simply maximizing the final balance left to heirs. A sound retirement plan should provide both financial guardrails and the emotional confidence needed to enjoy what you worked hard to build.

Have questions book a free call using this url or click in my bio - https://meritagewm.typeform.com/consultation

Meritage Wealth Management (MWM) is a Registered Investment Adviser in the state of
California and in other jurisdictions where exempted. Registration does not imply a certain level
of skill or training.

The information presented on this post is believed to be factual and up-to-date, but we do not
guarantee its accuracy and it should not be regarded as a complete analysis of the subjects
discussed. A professional adviser should be consulted before implementing any of the
strategies discussed. Investments involve varying degrees of risk, and there can be no
assurance that any specific investment or strategy will be suitable or profitable for a client's
portfolio. All investment strategies can result in profit or loss. This platform is solely for
informational purposes and is not offering advisory services or sales of securities.

“Likes” should not be considered a positive reflection of the investment advisory services offered
by Meritage Wealth Management. Comments by viewers and/or recognitions are no guarantee
of future investment outcomes and do not ensure that a viewer will experience a higher level of
performance or results. Public comments posted on this site are not selected, amended,
deleted, or sorted in any way. If applicable, we may edit or delete personally identifiable
information, scam/fraud messages, and misinformation.

09/03/2026

Every tax bracket has a ceiling, and any unused space between your annual income and that threshold represents a deliberate planning opportunity that permanently disappears once the calendar year closes. In transitional years—such as early retirement prior to claiming Social Security or before Required Minimum Distributions (RMDs) begin—proactively filling lower brackets through strategic Roth conversions or intentional capital gains realization allows you to capture lower marginal tax rates before facing higher mandatory income later in life.

Have questions book a free call using this url or click in my bio - https://meritagewm.typeform.com/consultation

Meritage Wealth Management (MWM) is a Registered Investment Adviser in the state of
California and in other jurisdictions where exempted. Registration does not imply a certain level
of skill or training.

The information presented on this post is believed to be factual and up-to-date, but we do not
guarantee its accuracy and it should not be regarded as a complete analysis of the subjects
discussed. A professional adviser should be consulted before implementing any of the
strategies discussed. Investments involve varying degrees of risk, and there can be no
assurance that any specific investment or strategy will be suitable or profitable for a client's
portfolio. All investment strategies can result in profit or loss. This platform is solely for
informational purposes and is not offering advisory services or sales of securities.

“Likes” should not be considered a positive reflection of the investment advisory services offered
by Meritage Wealth Management. Comments by viewers and/or recognitions are no guarantee
of future investment outcomes and do not ensure that a viewer will experience a higher level of
performance or results. Public comments posted on this site are not selected, amended,
deleted, or sorted in any way. If applicable, we may edit or delete personally identifiable
information, scam/fraud messages, and misinformation.

09/02/2026

Maxing out a traditional 401(k) during your peak earning years late in your career can inadvertently trigger a major tax trap. Stash pre-tax dollars late in life, and that deferral stacks on top of high existing balances. Fast-forward to age 75, and mandatory Required Minimum Distributions (RMDs) kick in—forcing large taxable withdrawals on top of Social Security or pension income, pushing you into higher tax brackets and triggering Medicare IRMAA surcharges. Worse, passing down huge tax-deferred accounts leaves heirs subject to the 10-year distribution rule, where withdrawals stack onto their own peak-earning income taxes.

Have questions book a free call using this url or click in my bio - https://meritagewm.typeform.com/consultation

Meritage Wealth Management (MWM) is a Registered Investment Adviser in the state of
California and in other jurisdictions where exempted. Registration does not imply a certain level
of skill or training.

The information presented on this post is believed to be factual and up-to-date, but we do not
guarantee its accuracy and it should not be regarded as a complete analysis of the subjects
discussed. A professional adviser should be consulted before implementing any of the
strategies discussed. Investments involve varying degrees of risk, and there can be no
assurance that any specific investment or strategy will be suitable or profitable for a client's
portfolio. All investment strategies can result in profit or loss. This platform is solely for
informational purposes and is not offering advisory services or sales of securities.

“Likes” should not be considered a positive reflection of the investment advisory services offered
by Meritage Wealth Management. Comments by viewers and/or recognitions are no guarantee
of future investment outcomes and do not ensure that a viewer will experience a higher level of
performance or results. Public comments posted on this site are not selected, amended,
deleted, or sorted in any way. If applicable, we may edit or delete personally identifiable
information, scam/fraud messages, and misinformation.

08/28/2026

The 4% rule tells you how much to withdraw - but not where to take it from.
Traditional IRA, Roth IRA, and brokerage withdrawals can create very different tax bills.
And those choices can affect Medicare premiums and other income-based costs too.
Same spending. Same lifestyle. Completely different tax outcome.
Your withdrawal rate is only half the retirement plan.
The other half is choosing the right accounts at the right time.

Have questions book a free call using this url or click in my bio - https://meritagewm.typeform.com/consultation

Meritage Wealth Management (MWM) is a Registered Investment Adviser in the state of
California and in other jurisdictions where exempted. Registration does not imply a certain level
of skill or training.

The information presented on this post is believed to be factual and up-to-date, but we do not
guarantee its accuracy and it should not be regarded as a complete analysis of the subjects
discussed. A professional adviser should be consulted before implementing any of the
strategies discussed. Investments involve varying degrees of risk, and there can be no
assurance that any specific investment or strategy will be suitable or profitable for a client's
portfolio. All investment strategies can result in profit or loss. This platform is solely for
informational purposes and is not offering advisory services or sales of securities.

“Likes” should not be considered a positive reflection of the investment advisory services offered
by Meritage Wealth Management. Comments by viewers and/or recognitions are no guarantee
of future investment outcomes and do not ensure that a viewer will experience a higher level of
performance or results. Public comments posted on this site are not selected, amended,
deleted, or sorted in any way. If applicable, we may edit or delete personally identifiable
information, scam/fraud messages, and misinformation.

08/27/2026

The RMD that hurts most may not be your first one—it could be the one after your spouse passes away.
The surviving spouse may keep nearly the same IRA balance but lose the wider married tax brackets.
That can mean higher taxes on the same retirement income.
Medicare IRMAA thresholds can become tighter too.
This is why survivor tax planning shouldn't wait until someone passes away.
Model the numbers while you still have time and options.

Have questions book a free call using this url or click in my bio - https://meritagewm.typeform.com/consultation

Meritage Wealth Management (MWM) is a Registered Investment Adviser in the state of
California and in other jurisdictions where exempted. Registration does not imply a certain level
of skill or training.

The information presented on this post is believed to be factual and up-to-date, but we do not
guarantee its accuracy and it should not be regarded as a complete analysis of the subjects
discussed. A professional adviser should be consulted before implementing any of the
strategies discussed. Investments involve varying degrees of risk, and there can be no
assurance that any specific investment or strategy will be suitable or profitable for a client's
portfolio. All investment strategies can result in profit or loss. This platform is solely for
informational purposes and is not offering advisory services or sales of securities.

“Likes” should not be considered a positive reflection of the investment advisory services offered
by Meritage Wealth Management. Comments by viewers and/or recognitions are no guarantee
of future investment outcomes and do not ensure that a viewer will experience a higher level of
performance or results. Public comments posted on this site are not selected, amended,
deleted, or sorted in any way. If applicable, we may edit or delete personally identifiable
information, scam/fraud messages, and misinformation.

08/26/2026

A 0% capital gains tax rate doesn't always mean the move costs you nothing.
Those gains can still count as income for other calculations.
That may affect Social Security taxation, Medicare premiums, or healthcare subsidies.
Sometimes harvesting gains every year makes sense.
Sometimes one larger harvest during an unusually low-income year works better.
Don't optimize one tax rate while ignoring everything it touches.

Have questions book a free call using this url or click in my bio - https://meritagewm.typeform.com/consultation

Meritage Wealth Management (MWM) is a Registered Investment Adviser in the state of
California and in other jurisdictions where exempted. Registration does not imply a certain level
of skill or training.

The information presented on this post is believed to be factual and up-to-date, but we do not
guarantee its accuracy and it should not be regarded as a complete analysis of the subjects
discussed. A professional adviser should be consulted before implementing any of the
strategies discussed. Investments involve varying degrees of risk, and there can be no
assurance that any specific investment or strategy will be suitable or profitable for a client's
portfolio. All investment strategies can result in profit or loss. This platform is solely for
informational purposes and is not offering advisory services or sales of securities.

“Likes” should not be considered a positive reflection of the investment advisory services offered
by Meritage Wealth Management. Comments by viewers and/or recognitions are no guarantee
of future investment outcomes and do not ensure that a viewer will experience a higher level of
performance or results. Public comments posted on this site are not selected, amended,
deleted, or sorted in any way. If applicable, we may edit or delete personally identifiable
information, scam/fraud messages, and misinformation.

08/25/2026

Delaying Social Security until 70 can do more than increase your future monthly benefit.
It may also create a valuable low-income window before those checks begin.
That could be an opportunity to strategically convert traditional IRA dollars to Roth.
But conversions can also affect Medicare premiums and healthcare subsidies.
Delaying Social Security is one decision.
What you do with the income gap it creates is another.

Have questions book a free call using this url or click in my bio - https://meritagewm.typeform.com/consultation

Meritage Wealth Management (MWM) is a Registered Investment Adviser in the state of
California and in other jurisdictions where exempted. Registration does not imply a certain level
of skill or training.

The information presented on this post is believed to be factual and up-to-date, but we do not
guarantee its accuracy and it should not be regarded as a complete analysis of the subjects
discussed. A professional adviser should be consulted before implementing any of the
strategies discussed. Investments involve varying degrees of risk, and there can be no
assurance that any specific investment or strategy will be suitable or profitable for a client's
portfolio. All investment strategies can result in profit or loss. This platform is solely for
informational purposes and is not offering advisory services or sales of securities.

“Likes” should not be considered a positive reflection of the investment advisory services offered
by Meritage Wealth Management. Comments by viewers and/or recognitions are no guarantee
of future investment outcomes and do not ensure that a viewer will experience a higher level of
performance or results. Public comments posted on this site are not selected, amended,
deleted, or sorted in any way. If applicable, we may edit or delete personally identifiable
information, scam/fraud messages, and misinformation.

08/24/2026

You just retired and your income suddenly dropped. That could be a valuable tax-planning window.
Before Social Security and RMDs begin, you may have unusually low taxable income.
That can create room for strategic Roth conversions at potentially lower tax rates.
But Medicare premiums and healthcare subsidies need to be considered too.
This window doesn't stay open forever.
Don't just enjoy the lower tax bill—run the numbers while you still have options.

Have questions book a free call using this url or click in my bio - https://meritagewm.typeform.com/consultation

Meritage Wealth Management (MWM) is a Registered Investment Adviser in the state of
California and in other jurisdictions where exempted. Registration does not imply a certain level
of skill or training.

The information presented on this post is believed to be factual and up-to-date, but we do not
guarantee its accuracy and it should not be regarded as a complete analysis of the subjects
discussed. A professional adviser should be consulted before implementing any of the
strategies discussed. Investments involve varying degrees of risk, and there can be no
assurance that any specific investment or strategy will be suitable or profitable for a client's
portfolio. All investment strategies can result in profit or loss. This platform is solely for
informational purposes and is not offering advisory services or sales of securities.

“Likes” should not be considered a positive reflection of the investment advisory services offered
by Meritage Wealth Management. Comments by viewers and/or recognitions are no guarantee
of future investment outcomes and do not ensure that a viewer will experience a higher level of
performance or results. Public comments posted on this site are not selected, amended,
deleted, or sorted in any way. If applicable, we may edit or delete personally identifiable
information, scam/fraud messages, and misinformation.

Address

5857 Owens Avenue, Suite 300
Carlsbad, CA
92008

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