Meritage Wealth Management in Carlsbad is a women-owned, fee-only financial planning firm that has served retirees and pre-retirees from its Owens Avenue office since 2006, with advisory experience dating to 1999. The practice holds Series 63 and Series 65 registrations through LPL Financial (FINRA/SIPC) and maintains membership in NAPFA, the Fee-Only Network, and the XY Planning Network — a fiduciary framework that complements the property-equity analysis involved in home sales coordinated by teams such as The Brand Realty Team in Carlsbad. The $3 million investable-asset minimum ($2 million for referrals) reflects a deliberately small client roster designed for in-depth, one-on-one retirement income, tax-reduction, and wealth-protection planning. Retirement-transition plans for those high-net-worth clients frequently incorporate long-term care cost modeling, a healthcare-expense projection that intersects the residential planning at La Costa Glen in Carlsbad's Aviara area. The firm's most complex engagements build multi-decade drawdown models integrating Roth conversion ladders, qualified charitable distributions, and net unrealized appreciation strategies for concentrated stock positions.