Laryssa Freeman, CFP - Meritage Wealth Management

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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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Serving clients since 1999 • Fiduciary •
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11/04/2026

A $3 million portfolio can provide a very comfortable retirement, but the real challenge isn't accumulating the money. It's structuring it correctly. Building adequate cash reserves, diversifying across tax buckets, optimizing withdrawal sequencing, stress-testing lifestyle expenses, and shifting focus from growth to income design become critical at this stage. Retirement success isn't determined solely by portfolio size. It's determined by how efficiently your assets support your lifestyle over the next 30 years. Follow for more!

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.

11/04/2026

Grateful to Lis for taking the time to share this.

Retirement income, taxes, and the decisions that come after a big life change are the questions I spend my days on. If you'd like to talk through yours, you can book a free strategy session through the link in my bio.

Testimonial from a current client of Meritage Wealth Management, who was not compensated and has no material conflicts of interest. It may not be representative of other clients' experiences. Read all client reviews at wt.reviews/laryssa-freeman.

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

11/02/2026

Have questions book a free consult - https://meritagewm.typeform.com/consultation Retirement travel isn’t about seeing the most places. It’s about enjoying every moment. Investing in direct flights, travel insurance, centrally located hotels, pre-arranged transportation, and slower itineraries can reduce stress, protect your health, and make every trip far more enjoyable. The best retirement vacations aren’t the busiest ones. They’re the ones that leave you with unforgettable memories instead of exhaustion. Follow for more!

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.

11/01/2026

1. Separate retirement planning from aging planning.
2. Consider future care options, including in-home care, assisted living, memory care, and skilled nursing.
3. Talk with your family about who could realistically help and how caregiving might affect their lives.
4. Explore ways to prepare financially, such as long-term care insurance, dedicated savings, or home equity.

Planning ahead gives you more choices and helps protect the people you love from unexpected caregiving and financial burdens.

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 states of Idaho, 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.

10/31/2026

1. Know your thresholds: For 2026, IRMAA starts above $218,000 for married couples filing jointly and $109,000 for single filers.
2. Understand the cost: Surcharges increase as your income crosses higher thresholds.
3. Plan major financial moves: Roth conversions, capital gains, and large IRA withdrawals can affect your Medicare premiums.
4. Treat it as a cost to manage, not a crisis: Understand the impact on your cash flow and plan ahead.

The goal isn’t to avoid every IRMAA threshold. It’s to make informed decisions that support your overall retirement plan.

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 states of Idaho, 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.

10/31/2026

1. Age 55–60: The portfolio covers the full spending need before Social Security and Medicare.
2. Age 62: Reduced Social Security benefits lower withdrawals, but the portfolio still carries a significant burden.
3. Age 65–67: Higher Social Security benefits reduce portfolio withdrawals.
4. Age 70: Larger Social Security benefits mean less pressure on your portfolio.
5. Never fully retiring: Part-time work or consulting can reduce the amount you need to withdraw.

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 states of Idaho, 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.

10/29/2026

Before making a backdoor Roth IRA contribution, check these 6 steps:

1. Find all Traditional, SEP, and SIMPLE IRAs.
2. Plan for existing pre-tax IRA money to avoid unexpected pro rata taxation.
3. Make a nondeductible contribution using after-tax money.
4. Convert to a Roth IRA promptly to limit taxable growth.
5. File Form 8606 to report your after-tax contribution and avoid paying tax twice.
6. Review everything annually in case your IRA balances or accounts change.

One forgotten IRA or missing Form 8606 can create an unexpected tax bill. Get your accounts in order before converting.

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 states of Idaho, 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.

10/28/2026

Retiring in 2026? Form SSA-44 could help lower your Medicare premiums if your income has dropped.

1. Medicare uses your tax return from 2 years earlier to calculate IRMAA surcharges.
2. Retirement qualifies as a work stoppage, allowing you to request a premium adjustment.
3. File Form SSA-44 after receiving your IRMAA notice by mail or contact Social Security at 1-800-772-1213.
4. Stock sales and Roth conversions generally don’t qualify, so estimate their Medicare premium impact before making these moves.

Keep your paperwork and make sure your income estimate is accurate.

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 states of Idaho, 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.

10/27/2026

Grateful to Judi for taking the time to share this.

Retirement income, taxes, and the decisions that come after a big life change are the questions I spend my days on. If you'd like to talk through yours, you can book a free strategy session through the link in my bio.

Testimonial from a current client of Meritage Wealth Management, who was not compensated and has no material conflicts of interest. It may not be representative of other clients' experiences. Read all client reviews at wt.reviews/laryssa-freeman.

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

Address

5857 Owens Avenue, Suite 300
Carlsbad, CA
92008

Website

http://www.meritagewm.com/

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