Laryssa Freeman, CFP - Meritage Wealth Management, 5857 Owens Avenue, Suite 300, Carlsbad, CA (2026)

06/18/2026

Roth conversions can be powerful, but they aren't automatically the right move for everyone. If you're currently in a high tax bracket, don't have outside cash available to pay the conversion taxes, or are close to triggering higher Medicare premiums through IRMAA, a Roth conversion may create more problems than benefits. The key isn't whether Roth conversions are good or bad. The key is whether they fit your specific retirement tax strategy. 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.

06/17/2026

Just because the IRS requires a minimum withdrawal doesn't mean taking the minimum is always the best strategy. In some years, especially when your income is lower than normal, taking more than your Required Minimum Distribution can actually help reduce future taxes, shrink future RMDs, and create greater flexibility later in retirement. Retirement tax planning isn't about paying the least tax this year. It's about paying the least tax over your lifetime. 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.

06/16/2026

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.

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

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.

Laryssa Freeman, CFP - Meritage Wealth Management

06/18/2026

06/17/2026

06/16/2026

05/18/2026

05/17/2026

05/16/2026

05/15/2026

05/15/2026

05/14/2026

Address

Website

Alerts

Contact The Business

Shortcuts

Share

Category