Business Details
20 Years
experience
Your Trusted Partner for Fee-Only Financial Planning in Carlsbad, CA
Meritage Wealth Management was founded in 2006 by Laryssa Freeman, a CERTIFIED FINANCIAL PLANNER professional with over 25 years of experience guiding retirees through life transitions. Our firm operates with a commitment to personalized service, offering one-on-one consultations without call centers or automated systems. We specialize in retirement planning for clients with $3 million+ in investable assets, focusing on tax optimization, wealth protection, and estate strategies. As an independent, fee-only advisor, we maintain strict fiduciary standards, avoiding commissions or product sales to ensure unbiased recommendations. Our process includes comprehensive 30-day planning and seasonal reviews to adapt to changing life circumstances.We serve clients nationwide while maintaining a deliberately small client base to prioritize depth of service. Our credentials include membership in NAPFA, the Fee-Only Network, and XY Planning Network, with regulatory oversight through LPL Financial. Transparency remains central to our practice, with clear fee structures and direct communication channels. We differentiate ourselves through specialized expertise in retirement complexities and a commitment to long-term client relationships. Our Carlsbad-based practice reflects a philosophy that meaningful financial guidance requires both technical mastery and personal connection.
Services
Retirement Planning
Tax Optimization
Investment Management
Estate Planning
Financial Planning
Details
- Year established: 2006
Highlights and features
- 25+ years of specialized retirement planning expertise
- Personalized one-on-one advisory with no call centers
- Strict fiduciary commitment as a fee-only advisor
- Comprehensive 30-day planning process with seasonal reviews
- Nationwide service with local Carlsbad, CA presence
Associations and certifications
- CERTIFIED FINANCIAL PLANNER
- National Association of Personal Financial Advisors (NAPFA)
- Fee-Only Network
- XY Planning Network
Services
Retirement Planning
Comprehensive retirement planning for high-net-worth individuals with $3 million+ investable assets. Our process includes income projections, tax optimization strategies, and lifestyle sustainability analysis. We create customized roadmaps for financial security during retirement transitions.
Tax Optimization
Specialized tax reduction strategies for retirees, including Roth conversions, charitable giving frameworks, and income distribution sequencing. Our approach focuses on minimizing lifetime tax liabilities while maintaining portfolio growth potential.
Investment Management
Active portfolio management for retirees with $3 million+ investable assets. We implement diversified strategies aligned with individual risk tolerance and retirement timelines, emphasizing capital preservation and tax-efficient growth.
Estate Planning
Integrated estate planning services coordinating with legal professionals to ensure smooth wealth transfer. Our approach includes beneficiary designations, trust structures, and legacy planning aligned with personal values.
Financial Planning
Holistic financial planning for retirees covering cash flow analysis, risk management, and long-term care strategies. We provide coordinated advice across all financial aspects to support sustainable retirement lifestyles.
People
Laryssa Freeman
Founder & CERTIFIED FINANCIAL PLANNER
With over 25 years of experience, Laryssa Freeman specializes in retirement planning for high-net-worth individuals. As founder of Meritage Wealth Management, she focuses on tax optimization and estate strategies for retirees through personalized one-on-one advisory services.
Questions
What services does Meritage Wealth Management offer?
We specialize in retirement planning, tax optimization, investment management, and estate planning for clients with $3 million+ in investable assets.
What are the minimum investment requirements?
New clients require $3 million in investable assets, or $2 million with a current client referral.
How does the planning process work?
Our process begins with a 45-minute consultation, followed by a 30-day planning period and ongoing seasonal reviews to adapt to changing needs.
Are you a fee-only advisor?
Yes, we operate as a fee-only firm with no commissions or product sales, maintaining strict fiduciary standards.
Where are you licensed to work?
We serve clients nationwide while maintaining proper registration in all states where we conduct business.
