Laryssa Freeman, CFP - Meritage Wealth Management

Laryssa Freeman, CFP - Meritage Wealth Management Retired? Divorced? Widowed?

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CFP® | Founder | Serving clients since ‘99
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07/20/2026

Retirement planning isn't just about growing your nest egg. It's also about protecting it. Having the right legal documents in place can help your family avoid probate delays, reduce confusion during difficult times, and ensure your financial and healthcare wishes are carried out exactly as you intended. A few hours spent updating your estate plan today can save your loved ones months of stress later. Follow for more!

Have questions book a free call - 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.

07/19/2026

Most retirees spend decades learning how to save money but very little time learning how to withdraw it. The order you pull money from pre-tax accounts, Roth accounts, and taxable investments can dramatically impact taxes, Medicare premiums, and even how much of your Social Security becomes taxable. Retirement isn't just about building wealth. It's about creating a withdrawal strategy that allows you to keep more of what you've spent your lifetime earning. Sometimes the difference between two retirees isn't investment performance. It's tax planning. Follow for more!

Have questions book a free call - 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.

07/18/2026

Retiring before Social Security starts is more possible than most people realize if you know the rules. Strategies like the Rule of 55, using COBRA to bridge the gap to Medicare, and accessing Roth contributions can create more flexibility than many retirees expect. The key is understanding which accounts you can use, when penalties apply, and how healthcare fits into the equation. A little planning today can open the door to retiring years earlier than you thought possible. Follow for more!

A conversation costs nothing - 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.

07/17/2026

Losing a spouse is already one of life's most difficult experiences. Understanding how Social Security survivor benefits work can help you avoid costly mistakes during an emotional time. From knowing you generally receive the larger benefit instead of both checks to understanding how claiming age affects lifetime income, these decisions can have a lasting impact on your retirement. Before filing, take the time to understand your options so you don't accidentally leave benefits on the table. Follow for more!

A conversation costs nothing - 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.

07/16/2026

For many surviving spouses, the biggest IRA mistakes aren't investment mistakes. They're tax, income, and beneficiary mistakes. Failing to update beneficiaries, taking withdrawals too quickly, ignoring future RMDs, missing Roth conversion opportunities, or overlooking how filing as a single taxpayer changes everything can quietly cost thousands over time. An IRA isn't just an investment account. It's often one of the primary income sources for the rest of retirement, which makes careful planning more important than ever. Follow for more!

A conversation costs nothing - 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.

07/15/2026

Receiving part of a retirement account in a divorce isn't as simple as transferring money. The way those assets are moved can have a major impact on taxes, penalties, and your long-term retirement savings. If a 401(k) or pension is being divided, understanding whether a Qualified Domestic Relations Order (QDRO) is required and making sure the transfer is handled correctly can help preserve the full value of your settlement. Before signing paperwork or moving funds, understand the process. One administrative mistake can be far more expensive than a poor investment decision. Follow for more!

A conversation costs nothing - 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.

07/14/2026

Your pension election may be one of the biggest irreversible financial decisions you'll ever make. Before choosing a lump sum or lifetime income, ask yourself how the decision affects your spouse, taxes, inflation, retirement cash flow, and long-term flexibility. The highest monthly payment isn't always the best option, and once you make your election, you often can't change it. Taking the time to understand your options today can have a lasting impact on your retirement for decades to come. Follow for more!

A conversation costs nothing - 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.

07/13/2026

Selling your home doesn't automatically mean you're downsizing your retirement expenses. A smaller home or luxury condo can sometimes increase your monthly costs through HOA fees, insurance, special assessments, and premium location costs. The goal isn't simply buying fewer square feet. It's reducing ongoing expenses, maintenance, and financial complexity while creating more flexibility for retirement. Before making the move, compare your total cost of living, not just the size of the property. Follow for more!

A conversation costs nothing- 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.

07/12/2026

Your CPA is an essential part of your financial team, but retirement planning goes far beyond preparing a tax return. Decisions like when to retire, when to claim Social Security, choosing a pension option, evaluating Roth conversions, reducing future RMDs, protecting a surviving spouse, and transferring wealth efficiently require long-term planning, not just tax preparation. The best retirement plans combine smart tax strategy with thoughtful financial planning so you can keep more of what you've worked so hard to build. Follow for more!

A conversation costs nothing - 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.

07/11/2026

Large Required Minimum Distributions can create a retirement tax problem if you wait until they're already happening. Higher taxable income can increase Medicare premiums, make more of your Social Security taxable, and leave a surviving spouse facing an even larger tax burden. Planning ahead by projecting future RMDs, evaluating Qualified Charitable Distributions, considering Roth conversion opportunities before RMDs begin, monitoring IRMAA thresholds, and building a survivor tax strategy can help you keep more of your retirement savings. Retirement tax planning isn't just about this year's return. It's about managing taxes over the decades ahead. Follow for more!

A conversation costs nothing- 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.

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Carlsbad, CA
92008

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