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What is your investment minimum for new clients?

My investment management, financial planning and tax planning fee structure works best for those with investable assets over $3,000,000 (excluding real estate).

I do have an option for clients in need of financial planning services only that do not meet the above asset minimum and would like to implement my recommendations on their own. I offer a Project-Based Financial Planning Service that is on a fixed fee basis for a limited scope engagement and the one time planning fee ranges from $7,500 - $15,000. The fixed fee will be agreed upon before the start of any work and half of the fee is paid at the beginning of the engagement and the remainder upon completion. The scope of work for the Project-Based Financial Planning Service may include the following topics based on your needs: Retirement Planning, Estate Planning, Development of Financial Goals, Investment Analysis, Risk Management, College Planning and Tax Planning Scenarios.

What does "fee-only" mean and how is that different than "fee-based?"

Meritage Wealth Management is a fee-only advisory firm.  Laryssa Freeman is a proud member of NAPFA, the National Association of Personal Financial Advisors.  NAPFA members must adhere to demanding practice requirements including fee-only compensation, continuing education, comprehensive planning, and fiduciary commitments.  NAPFA defines a fee-only financial advisor as one who is compensated solely from the client. Neither the advisor or any related party may receive compensation contingent on the purchase or sale of a financial product.  NAPFA members cannot receive commissions, rebates, finder's fees, or any other form of compensation from third-parties as a result of implementing their investment recommendations.  Laryssa Freeman is a fee-only financial advisor.

Fee-only vs Fee-based: Fee-only signifies that your advisor does not receive commissions or additional revenue from product providers. This eliminates any conflict of interest and bias when allocating assets and ensures that your advisor has your best interests at heart. Fee-based advisors receive fees from you as well as commissions from selling products and/or have revenue sharing agreements with product providers or referral sources. A fee-based structure, therefore, may introduce unwanted monetary influence in the way your advisor manages your portfolio.

Download NAPFA's 10 page "Financial Advisor Comparison Tool: Is you financial advisor the right one for you?"

Am I a good fit for Meritage Wealth Management?

If you're currently retired (or it's quickly approaching!) and you are looking for a financial planner focused on issues in retirement, then you're in the right place! I pride myself on delivering high quality financial planning advice and investment management for retirees, and aim to build long-term relationships with all of my clients. New clients are typically concerned about taxes in retirement, understanding if their assets will last throughout retirement, the timing of claiming Social Security benefits and coordinating their assets to replace their paycheck.

As an investor, the ideal Meritage client is concerned with the big picture, not the daily moves of the investment markets. You are  looking to play the long game, not the 100-yard dash and are committed to meeting with me biannually. I believe the best results stem from meticulous planning and methodology that is rooted in your own personal needs and goals, and my investment approach reflects this.

I recognize I'm not a good fit for everyone, and that's ok. That’s why I offer a complimentary introductory meeting so that we can be open and honest from the outset to ensure our mutual compatibility. I only work with kind people who are looking for a trusted, long-term partner they can outsource their investment management and financial planning to with the hopes of freeing up their time to concentrate on enjoying their retirement. I do have an investment minimum and minimum fee for one time financial plans.

If you're looking for a better fit for you, and searching for a Fee-Only advisor who is a Fiduciary 100% of the time like me, please visit the National Association of Personal Financial Advisors here.

Do I need to live near Carlsbad, CA to work with you?

No, not at all as it’s important to me that my services are made available to anyone across the United States. My clients currently reside in FL, WA, OH, CO, ID, OR and throughout CA.  I offer a very flexible online approach and we can meet virtually, no matter where in the country you are located. Meetings for out of town clients are conducted via Zoom, paperwork is signed electronically via DocuSign and you can securely upload your documents to me anytime via the "Secure Uploads" section or my website here.

How much does an initial consultation cost?

Our initial introductory meeting is complimentary. This time allows us both to learn more about each other and ensure your needs line up with my services. You can schedule an Introductory Meeting on my website here or call my office at 760.602.5091 to schedule.

more questions

If there’s still more on your mind, feel free to get in touch and I’ll be happy to chat with you in more detail. That’s also why I offer complimentary introductory meetings, to make it easy and accessible for you to speak with me directly and be as well positioned as possible as you decide if Meritage Wealth Management is the right fit for you.


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