Laryssa Freeman, CFP - Meritage Wealth Management

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Serving clients since 1999 • Fiduciary •
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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.

10/27/2026

If you collect Social Security, understanding how much of your benefit is taxable can help you plan for retirement taxes and avoid surprises.

Start with your SSA-1099, calculate half of your benefits, and add your other income to determine your provisional income.

Remember, up to 85% of your Social Security benefit may be taxable, but that doesn’t mean you pay an 85% tax rate. Qualified Roth withdrawals generally don’t count toward provisional income, which is one reason tax diversification can be valuable in retirement.

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.

10/25/2026

If you collect Social Security, understanding how much of your benefit is taxable can help you plan for retirement taxes and avoid surprises.

Start with your SSA-1099, calculate half of your benefits, and add your other income to determine your provisional income.

Remember, up to 85% of your Social Security benefit may be taxable, but that doesn’t mean you pay an 85% tax rate. Qualified Roth withdrawals generally don’t count toward provisional income, which is one reason tax diversification can be valuable in retirement.

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.

10/24/2026

Here are 5 areas to consider:

1️⃣ Your spouse: A surviving spouse has special options for managing an inherited IRA.

2️⃣ Contingent beneficiaries: Name backups and review whether per stirpes designations fit your wishes.

3️⃣ Your children’s tax situations: Inherited IRA withdrawals can add to their taxable income, even when each child receives an equal share.

4️⃣ Charitable giving: A traditional IRA may be worth considering for charitable gifts, while other assets may be more suitable for your heirs.

5️⃣ Trusts: These can help with specific estate-planning needs when properly structured.

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.

10/23/2026

1️⃣ SSA.gov — Estimate your Social Security benefits
2️⃣ Medicare.gov/plan-compare — Compare Medicare plans and out-of-pocket costs
3️⃣ Investor.gov — Estimate required minimum distributions (RMDs)
4️⃣ IRS Tax Withholding Estimator — Check your tax withholding as income changes
5️⃣ Social Security Detailed Calculator — Explore different benefit scenarios
6️⃣ Social Security Life Expectancy Calculator — Use an official planning benchmark
7️⃣ OPM Federal Ballpark Estimate — Help federal employees estimate retirement savings needs
8️⃣ TSP.gov — Model retirement income from your Thrift Savings 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.

10/22/2026

Retirement comes with important birthdays that can affect your benefits, healthcare, and taxes. Knowing these milestones ahead of time gives you more room to 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.

10/21/2026

Grateful to Glenn 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.

10/20/2026

Retiring single means planning for certain risks differently than a married couple.

Income risk, healthcare and caregiving, and decision-making all deserve extra attention when there isn’t a spouse to provide a second income stream or help with day-to-day needs.

A strong plan may need more liquidity, backup support, and clear instructions for who can step in if you’re unable to manage things yourself.

Retirement planning isn’t one-size-fits-all. Your plan should reflect how you’ll actually live in retirement.

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.

10/19/2026

The happiest retirees aren’t always the ones with the most money. They often share a few simple habits.

They keep their minds active, protect their peace, prioritize sleep, movement, and good food, and learn to enjoy what they already have.

Retirement isn’t just about having enough money. Your health, relationships, mindset, and sense of purpose can shape how you experience this stage of life.

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.

10/18/2026

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.

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5857 Owens Avenue, Suite 300
Carlsbad, CA
92008

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