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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05/18/2026

Why taxable accounts are sometimes better than 401(k)s
Here’s why:
No forced withdrawals at 73
Potentially lower taxes on gains
Easier access to your money
Tax-deferred isn’t always tax-efficient.
Sometimes, flexibility wins.
For no-nonsense advice you can actually use, hit follow.
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.

Laryssa Freeman, CFP®️ is the founder of Meritage Wealth Management, a fee-only financial
planning firm based in Carlsbad, California working with clients virtually across the country.
She is a member of NAPFA and the XY Planning Network

05/17/2026

Taxes are one of your biggest retirement expenses.
Asset allocation ≠ asset location
Roth conversions reduce taxable withdrawals
Reduce RMDs and keep more of your income
Small tweaks = major savings.
Share this if you’re 50+ and optimizing.
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.

05/16/2026

Retiring early? Here’s how to access your retirement funds without a 10% penalty
If you’re under 59½, most retirement withdrawals trigger a hefty fee—but there’s a loophole:
72(t) distributions (aka SEPPs) let you withdraw early without penalty
You must stick to IRS formulas like RMD, fixed amortization, or annuitization
You don’t choose the withdrawal amount—calculations do
Start through your advisor or directly with your account provider
Retire on your own timeline—with the right strategy.

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.
Laryssa Freeman, CFP®️ is the founder of Meritage Wealth Management, a fee-only financial
planning firm based in Carlsbad, California working with clients virtually across the country.
She is a member of NAPFA and the XY Planning Networ

05/15/2026

Want to minimize taxes on your investments?
Here’s how:
Use tax-loss harvesting
Hold for long-term capital gains
Max out tax-advantaged accounts
Because keeping more of your gains = winning.
For no-nonsense advice you can actually use, hit follow.
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.

Laryssa Freeman, CFP®️ is the founder of Meritage Wealth Management, a fee-only financial
planning firm based in Carlsbad, California working with clients virtually across the country.
She is a member of NAPFA and the XY Planning Network

Thinking about when to take Social Security?Here’s why waiting might be worth it:Your benefit grows ~8% a year until 70D...
05/15/2026

Thinking about when to take Social Security?
Here’s why waiting might be worth it:
Your benefit grows ~8% a year until 70
Delaying = more secure retirement income
It reduces pressure on your investments
Sometimes the smartest move is waiting.
But you have to know the tradeoffs.
For no-nonsense advice you can actually use, hit follow.
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.

05/14/2026

Want to cut your RMD taxes—maybe in half?
Here’s how a smart client did it:
Roth conversions at lower tax brackets
Charitable distributions instead of RMDs
Smarter withdrawal order
Timing matters.
Start before RMDs kick in.
For no-nonsense advice you can actually use, hit follow.
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.

05/13/2026

Thinking about when to take Social Security?
Here’s why waiting might be worth it:
Your benefit grows ~8% a year until 70
Delaying = more secure retirement income
It reduces pressure on your investments
Sometimes the smartest move is waiting.
But you have to know the tradeoffs.
For no-nonsense advice you can actually use, hit follow.
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.

05/12/2026

Your 401(k) isn’t a retirement plan

It’s just a tool—
until you add strategy

✅ Income planning
📊 Tax efficiency
🧠 Longevity protection

If your plan ends at the account balance, it’s incomplete.
Let’s change that.

For no-nonsense advice you can actually use, hit follow.

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.



Laryssa Freeman, CFP®️ is the founder of Meritage Wealth Management, a fee-only financial planning firm based in Carlsbad, California working with clients virtually across the country. She is a member of NAPFA and the XY Planning Network.

05/11/2026

Save this post—it could save your family thousands 💰

Everyone focuses on wills and trusts, but beneficiary designation forms are actually MORE powerful.

These forms override your trust completely. They determine who receives your retirement accounts, life insurance policies, and certain bank accounts—regardless of what your will says.

I once worked with a client whose ex-wife of 25 years was still listed as the beneficiary on his employer retirement account. He never updated the form after their divorce. If he had passed away, his family would have received nothing.

If you want help reviewing your beneficiary designations, schedule a call with me through the link in my bio.

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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5857 Owens Avenue, Suite 300
Carlsbad, CA
92008

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