Laryssa Freeman, CFP - Meritage Wealth Management

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Serving clients since 1999 • Fiduciary •
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10/18/2026

Thinking about paying off your mortgage right before retirement? Being debt-free can bring peace of mind, but it’s worth considering the full financial picture first.

Five things to review include your current mortgage rate, the potential impact of a large IRA withdrawal on taxes and Medicare premiums, the investment growth you might give up, the limited accessibility of home equity, and the peace of mind that comes with owning your home outright.

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.

10/17/2026

Retiring before 65? Your Roth conversions and health insurance costs may be more connected than you think.

If you get health insurance through the ACA Marketplace, your income can affect the premium tax credits you receive. A Roth conversion generally counts toward income used to determine eligibility, potentially reducing your subsidy or increasing your insurance costs.

Before converting, look at your projected annual income, ACA subsidy eligibility, and potential tax savings together. The goal is to make sure your Roth conversion makes sense for your overall financial picture.

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.

10/16/2026

Medicare’s IRMAA brackets work like cliffs. Going just $1 over a threshold can trigger the same surcharge as going $25,000 over it.

IRMAA affects Medicare Part B and Part D premiums, and your surcharge is generally based on your tax return from 2 years earlier.

If a Roth conversion or another income event puts you into an IRMAA bracket, check the top of that bracket before making a decision. You may be able to convert more within the same bracket without triggering an additional Medicare surcharge tier.

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.

10/15/2026

When one spouse retires years before the other, the gap between retirement dates can create important planning opportunities.

Four areas deserve attention: healthcare coverage, where retirement spending comes from, Social Security timing, and taxes.

Lower-income years may also create opportunities for Roth conversions or strategic capital gains planning.

Instead of creating two separate retirement plans, build one household plan that accounts for both retirement dates.

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.

10/14/2026

Once your portfolio grows past $3 million, managing investments is only one part of the bigger financial picture.

There are 4 areas worth reviewing:

1️⃣ Concentration risk from holding too much of a single stock
2️⃣ Roth conversion opportunities during lower-income years before RMDs begin
3️⃣ Estate planning, including inherited IRA taxes, probate, and decision-making authority
4️⃣ A coordinated plan that connects your investments, retirement income, taxes, and estate

Building wealth is one milestone. Protecting it, managing future taxes, and making sure it passes to the right people requires a broader strategy.

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.

10/13/2026

The first 5 years of retirement can have a lasting impact on your financial flexibility for decades to come.

Market downturns can be especially damaging when you're withdrawing money, creating sequence of returns risk. At the same time, early retirement spending on travel, home projects, and family can put additional pressure on your portfolio.

Overspending, panic-selling, or taking large taxable withdrawals without a plan can also affect your long-term growth.

A strong plan can help you navigate the early years of retirement with greater confidence and flexibility.

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.

10/12/2026

Inheriting your spouse’s IRA? Before rolling it into your own, take time to understand your options.

There are 3 key decisions to review:

1️⃣ Whether to keep it as an inherited IRA or treat it as your own
2️⃣ Whether your spouse had an RMD due in the year they passed away
3️⃣ How withdrawals could affect your taxes, especially as your filing status changes to single

Give yourself time to understand your choices before deciding what to do with the money.

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.

10/11/2026

Tax planning in retirement shouldn’t stop at the current tax year.

A large withdrawal, Roth conversion, or capital gain today can affect future Medicare premiums, tax brackets, and investment income taxes.

Looking two, three, or even four years ahead can help you sequence withdrawals, conversions, and gains more strategically instead of creating an unexpected tax bill later.

The goal is to make today’s decisions with tomorrow’s tax consequences in mind.

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.

10/10/2026

Retirement planning gets easier when you know where to find reliable information. These 11 websites can help you track down forgotten money, review benefits, compare costs, and make more informed financial decisions.

Saving these resources now can help you verify important details, avoid costly mistakes, and make more confident retirement decisions.

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.

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5857 Owens Avenue, Suite 300
Carlsbad, CA
92008

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