@laryssafreeman: Could a plain taxable account actually beat your 401(k)? It can offer something your 401(k) may not: flexibility. With a taxable account, you can access your money at any time, potentially benefit from lower long-term capital gains rates, avoid RMDs, and potentially receive a step-up in basis for your heirs. That doesn’t mean you should skip your 401(k), especially when there’s an employer match. But once you’ve captured the match, having some money outside your 401(k) can give you options your retirement account simply can’t. 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 state of 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. #CFP #Financialplanner #retirement #retirementincome #IRS

Laryssa Freeman, CFP®

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Sunday 13 September 2026 22:02:29 GMT