Laryssa Freeman

Nearing retirement or changing employers? Register for my upcoming 30 minute webinar: Retirement Plan Distributions. Link above in the Learn More section I’ll cover withdrawals, lump sum distributions, rollovers, required minimum distributions (RMDs) and Roth Conversions. #retirement #financialplanning #personalfinance #wealth #feeonlyfinancialplanner

Beyond thankful to live in this great country of ours and thrilled to get out to vote this morning in CA with my girls!

Retiring or changing employers soon? Join me on Zoom for an educational event tonight Thursday July 22, 2021 at 5:30pm PST. Topic - Retirement Plan Distributions: What You Need to Know You'll learn about your options for taking money out of an employer-sponsored retirement plan and I'll provide tips to help you benefit from tax advantages and investment strategies designed for your current needs and future goals. ... Register here: https://bit.ly/3kJfSYP Meritage Wealth Management (MWM) is a registered investment advisor offering advisory services in the State of California and in other jurisdictions where exempted.There can be no guarantees or assurances that the strategies and techniques discussed are suitable for all investors, or that they all will yield positive outcomes. Investing involves risks that can include possible loss of principle. #retirement #financialplanning #fiduciary

Although it is increasingly rare for an employer to offer a pension, it can make up a considerable portion of your nest egg if you are lucky enough to have one. As you approach #retirement you may want to evaluate if you should take your pension as a lump sum or as a lifetime stream of payments. Here's a snapshot of a flowchart to help you weigh your options. Download the full flowchart here: bit.ly/MWMPensionFC #retirementplanning #financialplanning

Download my Retirement Checklist with 32 of the most important planning issues to consider. https://bit.ly/MWMRetirementChecklist If you are approaching the end of your working career, there are many issues to carefully consider as you head towards #retirement like cash flow and tax planning.

Hello! I’m Laryssa Freeman and the Founder of Meritage Wealth Management. As a fee-only financial planner, I advise, guide and plan for diligent investors in or approaching #retirement and work virtually with clients across the US and in person with those lucky enough to live near #Carlsbad, CA. Visit my blog for all sorts of resources for retirees and pre-retirees including a checklist for retirement https://www.meritagewm.com/blog/ Read on below to learn who influences... me most in my business even after 20+ years working with retirees! Everything I do at Meritage Wealth Management starts with getting to know you. And not just about your money I mean really get to know you, and the things you hold most dear. I believe in the importance of necessitating ease, ensuring you always feel comfortable working together, and secure in the knowledge that you and your finances are in trusted and capable hands. My mom had a knack for making everyone feel comfortable, welcomed and important. Luckily, even as a young child, I recognized how others responded to being around her. Her enthusiasm for everything and everyone was contagious, and left an indelible imprint that now colors everything I do. I’ve found in my practice that I bring this inherent level of enthusiasm to all of my clients, whether it’s through educating you on your investments, discussing your options for employer plan rollovers at retirement or reviewing your options to mitigate taxes in retirement. I’m passionate about teaching and guiding you through life’s ever-changing landscape in a way that is rooted in authenticity and warmth.

Join me LIVE on Facebook May 11, 2021 at 5pm PST to learn about your distributions options from employer-sponsored plans. If you're planning to retire or change jobs soon, be sure to attend! This Facebook Live webinar will provide tips to help you benefit from tax advantages and investment strategies designed for your current needs and future goals.

A Checklist for Your Retirement Planning The time to begin planning for your financial future is now. So, when it comes to preparing for retirement, the earlier you start, the better. If you are ready to take initiative and begin planning for your retirement, consider these simple steps that you can take to help you achieve your overall objectives: https://hubs.la/H0xMHLV0 We can set up a time to chat to discuss the steps that are right for you to set you in the path to plann...ing for the retirement of your dreams. My approach to retirement planning doesn’t begin with answers or solutions. It beings with questions and conversations like these that will help determine what is unique about you and your situation. You can schedule a complimentary 15-minute call by texting "appt" to 760-602-5091 or via our website at https://hubs.la/H0xMFsl0 #tiptuesday #retirementplanning #financialplanning #personalfinance

The Meritage Wealth Approach You have meaningful goals, I can help you reach them. Get to know me a little better. Learn more here: https://hubs.la/H0xMFrL0 Here at Meritage Wealth Management, everything I do stems from a place of communication and trust. I empower you to dream and plan for your future with confidence, then set a financial road map in place to help you reach your unique goals. I am dedicated to creating customized wealth management strategies that suit the in...dividual needs of you and your loved ones, walking beside you through the many milestones of life. Set up a 15-minute introductory phone call with me by texting "appt" to 760-602-5091 or via our website at https://hubs.la/H0xMHLj0

Ready to Retire? How to Know for Sure Retirement is an exciting time for many, and the reward for years of hard work. While there is no set age for retirement, it is important to be prepared before you make the leap, so that you enjoy your retirement and financial stability during it. If you are considering retiring soon, below are some quick considerations to make to know for sure: https://hubs.la/H0xMFrx0 A successful retirement in the future can often depend on having a s...olid plan now. If your money isn’t working as hard as you are, it may be time to take action and create a plan there are no do-overs in retirement planning. I specialize in providing comprehensive, objective financial guidance with the goal of maximizing every moment of the retirement countdown. Let's chat! Schedule a call here: https://hubs.la/H0xMQP_0 #tiptuesday #retirementplanning #financialplanning #personalfinance

"How do I retire early?" "How do I preserve my wealth?" "How do I rebuild after divorce?" For answers to these questions and more, I offer complimentary initial meetings, to make it easy and accessible for you to speak with me directly and ask any questions you may have that are unique to your financial situation. I am dedicated to providing honest, expert, and client-centric advice specifically tailored to the unique needs we all face in times of transition and change.... You can schedule a call by texting "appt" to 760-602-5091 or by visiting us at https://hubs.la/H0xMQt50

Identify Your Personal Retirement Goals https://hubs.la/H0xw9NZ0 Ask yourself, "What will my golden years hold for me?" Is the answer a comfortable home near a golf course? Free time to spend with your grandchildren? Or even a cross-country journey or a trip around the world? ... Whatever your answer may be, the goals you dream about today can be yours tomorrow--if you understand what is required to fulfill them, set a course to meet the challenge of doing so, and seek solid professional assistance along the way. Are you interested in learning more? Let's chat! Schedule a call here: https://hubs.la/H0xw65T0 #tiptuesday #retirementplanning #financialplanning #personalfinance

As an independent firm and Private Wealth Advisor, you can trust me to provide objective advice and guidance. No matter what your goals, concerns or questions may be, I offer a caring and confidential ear. Let’s connect. I’ve found a 15-minute introductory phone call is the best way to learn more about each other. You can schedule a call via text to 760-602-5091 or via our website at https://hubs.la/H0xqHLW0

As the parent of two adult daughters in college, I’m always thinking about the steps necessary for them to have their own financial independence. We have conversations about what that looks like to them and we encourage them to be realistic on what their income and expenses will be like in the not too distant future. Here's an article I recently shared on my LinkedIn with some ideas for folks in the same :... https://lnkd.in/gaun6Bj PS The puppies really have nothing to do with this . . . they are just our new "empty nest" additions!

If you are nearing retirement, it’s important to understand how Social Security fits into your overall retirement plan and the recent changes to Required Minimum Distributions (RMD). My approach to retirement planning doesn’t begin with answers or solutions. It beings with questions and conversations like these that will help determine what is unique about you and your situation. Visit my LinkedIn article here to learn more about these important conversations: https://www.l...inkedin.com//social-security-your-retirement/ #retirementplanning #socialsecurity

While we’ve faced several health, social, and economic crises this year, July Fourth is a good time to think about how lucky we are to live in this great country and to remember the resilience and perseverance we’ve demonstrated over the past 244 years. History has shown us that better times will come. Best wishes for a happy and safe Fourth of July!

I know that these can be frightening times, but I want to assure you that I am committed to offering financial advice and guidance, regardless of what the upcoming days, weeks, or even months might bring. Financial services is defined as a federal critical infrastructure sector by the U.S. Department of Homeland Security, Cybersecurity & Infrastructure Security Agency. This means the work I do is essential to the economy and I am able to continue business. I will continue to ...operate and am able to provide my clients the support and service they have come to expect from me while also being a resource for those realizing they may not be getting the financial guidance they need in these uncertain times. While physical health is always of primary concern, I know that financial health is also incredibly important. I may not be able to meet together in person, but I can still connect and discuss any concerns. I'll continue to be in touch as events evolve providing updates and support via my newsletter which you can subscribe to here: http://bit.ly/2NhBPOc As always, please feel free to contact me at 760.602.5091 or via email at [email protected] anytime. #wealthmanagement #financialservices #financialplanning

Avoiding COVID-19 Scams It's important to be aware of fraudulent activities that are centered around COVID-19 related issues as scammers thrive in times like this. Please take a moment to read through these tips to help identify and avoid scams. Remind your family (including any kiddos spending extra time online these days!), friends, clients and coworkers to be extra cautious. ...Continue reading

Investors are being tested right now. COVID-19 and now oil prices are making for a wild ride. Market volatility stirs the emotions. It's hard not to react when markets make sudden, large moves. Greed and fear are natural human emotions that, if given free rein, can lead investors to buy high and sell low. That can be a recipe for #wealth destruction. If you are nearing #retirement you may be especially concerned. Replace your concerns with confidence. A successful retirement... in the future can often depend on having a solid plan now. If your money isn’t working as hard as you are, it may be time to take action and create a plan there are no do-overs in retirement planning. I specialize in providing comprehensive, objective financial guidance with the goal of maximizing every moment of the retirement countdown. Let’s connect. I’ve found a 15 minute introductory phone call is the best way to learn more about each other. You can schedule a call via text to 760.602.5091 or the appointments tab at www.meritagewm.com #retirementplanning #financialplanning #personalfinance

Today is a very important day, as we take the time to give thanks and remembrance to all the courageous service men and women who have sacrificed so much so that we may remain living safely in the land of the free. It is also a day I hold especially dear in my own household, as we honor the many achievements and sacrifices of my husband, Jeff, who served in the US Navy for 20 years. We are so grateful for everything he has done for us and our country, today and every day. Our thoughts are especially with all those families whose loved ones made the ultimate sacrifice in service. We owe them a debt we can never repay.

5 Pieces of Advice to Consider When Selling Your Business You’ve built a successful business through years of hard work. But how do you decide when is the right time to call it quits? Leaving your company and selling your business is a life milestone that profoundly affects your financial and emotional wellbeing. However, eventually circumstances may arise that indicate the time to leave has arrived. So what does a good succession plan look like, and how do you go about creat...ing one? #1. MOVE WITH THE TIMES Technology, consumer tastes, and industry realignment can drive a once winning business formula into an untenable position. For example, your industry might have evolved to the point where only the biggest companies can compete. The trick to successfully selling your business is to do so before it loses profitability. #2. DON’T FORGET YOUR HEALTH Naturally, a major negative health event can be decisive. But you also must pay attention to deteriorating health conditions that may appear as you age. Exiting your company early gives you more control, compared with waiting until your health forces you to leave. #3. KNOW WHEN TO QUIT You’ve made a success of your business, but frankly, the challenge is gone. The world is full of new adventures and you can choose what to do next. You might take up a hobby, mentor others, join a foundation, or travel the world. If the business no longer gives you fulfillment, you just might want to find another way to enjoy your life. #4. PROFITS = PROSPECTS If you’ve nurtured your company into a strong position, you may be able to receive top dollar when you sell it. Or, if you want to pass it on to relatives, you have the peace of mind of knowing that they are inheriting a sound enterprise. After many years of toil and sweat, you might feel it’s time to finally reap the rewarda large nest egg or a family legacy. #5. THINK AHEAD The time to create a succession plan is well before your exit. I can guide you through the process and help you work toward your desired outcomes. Let’s get started putting plans together to pursue a graceful, and profitable, exit. Together we can make sure you are on track to enjoy life post-career. Are you interested in learning more? Let's chat! Schedule a call here: https://calendly.com/meritagewm/connect The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.