Laryssa Freeman, CFP®
Guiding Retirees, Widows & Divorced Clients to Financial Clarity & Confidence
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Serving Clients Nationwide
Guiding Retirees, Widows & Divorced Clients to Financial Clarity & Confidence
Areas of Focus
- Divorce Financial Planning
- Exit Planning
- High Net Worth
- Inherited Wealth
- Investment Management
- Loss of Spouse or Partner
- Medicare / IRMAA Planning
- Retirement Income Planning
- Retirement Planning
- Social Security Optimization
- Tax-Aware Retirement Income Coordination
- Tax-Smart Distribution Planning
- Taxes
- Withdrawal Sequencing
- Women & Wealth
About Laryssa Freeman, CFP®
Hi, I'm Laryssa Freeman. I take pride in fostering long-term, meaningful connections with all of my clients.I split my time between Carlsbad, California and Tamarack, Idaho, and I'm happy to meet with clients in person in either location or by Zoom, which allows me to support you wherever you are in the USA.
My firm, Meritage Wealth Management, is intentionally small to give you a high level of service and advice. While many financial professionals work with hundreds of clients (or more!), I’ve found it’s more important to have in depth conversations with fewer clients vs surface level conversations with many clients. When you call my office, you talk to me personally, and are met with individual attention that aims to exceed your expectations.
I have been working with retirees since 1999 and am a CERTIFIED FINANCIAL PLANNER™️ professional. I am a member of the National Association of Personal Financial Advisors (NAPFA), the Fee-Only Network and the XY Planning Network.
On a personal note, I'm an aspiring bogey golfer, hot yoga enthusiast, avid traveler, and grateful for this wonderful country of ours.
Professional Designations
- CERTIFIED FINANCIAL PLANNER ®
Affiliations
-
CFP Board
- Fee Only Network
- National Association of Personal Financial Advisors
- XY Planning Network
- Fee Only Network
Primary Location
5857 Owens Ave Suite 300 Carlsbad CA 92008
Additional Locations
📍 Tamarack, Idaho 83615
📍
Video
Meeting Options
- Video Conference
- In-Person
Compensation Methods
- Fee Only
- One-time Financial Plan
- Percentage of Assets Managed
What to expect in the first meeting
If you’re in or approaching retirement, recently widowed or divorced, the first step toward greater clarity and confidence is scheduling a complimentary call with me by clicking the 'Schedule a Consultation w/Me' button above. This 45-minute conversation is designed for individuals who are a strong fit for our firm—typically those with $3,000,000+ in investable assets (excluding real estate or business holdings unless you’re planning a sale within 18 months). If referred by a current client, then $2 million.Offers Investment Management
Yes
Offers Tax Preparation
Yes
About Meritage Wealth Management
Meritage Wealth Management is an independent, female-owned, fee only wealth management firm based in Idaho with Carlsbad, California and serving clients nationwide.I specialize in guiding retired, widowed, and divorced clients through life’s transitions with clarity, confidence, and care. I do my best work for clients who want answers to questions like:
▪️ Will my assets support my lifestyle?
▪️ How can I reduce my lifetime tax bill?
▪️ What strategies can I implement now to protect my wealth?
PERSONAL
Advice as personal as your story. Your goals and circumstances are unique — and your advice should reflect that. When you work with me, it’s always one-on-one. No call centers — just thoughtful guidance and strategies tailored to your specific situation, built on trust and personal attention.
INDEPENDENT
Your interests come first. As an independent firm, I don’t answer to a big national firm or sales quotas. I answer only to you. Every recommendation is tailored to protect and grow your wealth through market changes and life transitions.
TRANSPARENT
No hidden agendas, ever. As a fee-only advisor, I don’t sell products or earn commissions – just trusted guidance. My recommendations are based solely on what I believe best serves you, with complete clarity on how I’m compensated.
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Minimum investable assets of $3,000,000 required for new clients (excluding real estate).
Tax preparation is provided by an independent CPA firm. Meritage may cover these fees at its discretion, with the preparer billing us directly.
Volunteer Experience
I enjoy volunteering locally for Assistance League® of North Coast where we are dedicated to serving the needs, primarily of children, in the communities of Carlsbad, Oceanside and Vista.
Hobbies and Interests
- Family
- Golf
- Pickleball
- Traveling
- Volunteering
- Yoga
SEC Lookup
View DisclosureWho We Serve
- Baby Boomers
- Business Owners
- Divorce
- Dual Income Family
- Entrepreneurs
- Gen X
- Intergenerational Families
- Living in Retirement
- Single Women
- Widow
- Women in Transition
- Women Professionals
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