Merriman Wealth Management, LLC

It’s hard to believe Joseph joined the firm only a YEAR ago because he has fit in seamlessly. Despite his Florida roots, this guy has adapted to the PNW weather, culture and lifestyle by enjoying the water, mountains, beautiful vistas and vibrant social scene of Seattle (though often with a jacket ON because…”it’s cold here!”). He’s a smart guy and clients will appreciate his technical expertise combined with a super warm personality. He might also get the award for living closest to the office setting a new gold standard for dedication. We appreciate you, Joseph, and are so glad to have you on our team!

Join us on Thursday, October 17 at 8:30 am for some financial wisdom Presented by CIO Kristi de Grys and Wealth Advisor Paresh Kamdar. This will be an informative Q&A conversation between Paresh and Kristi on what you need to know about the financial world right now! Register at: https://bit.ly/3LaqRXf

Join us on Thursday, October 17 at 8:30 am for some financial wisdom Presented by CIO Kristi de Grys & Wealth Advisor Paresh Kadmar. This will be an informative Q&A conversation between Paresh and Kristi on what you need to know about the financial world right now! Register at: https://bit.ly/3LaqRXf

Here are a few questions to ask before opting for a deferred compensation plan: • Is your company financially secure? Will it remain financially secure? • Will your tax rate be lower in the future when this deferred compensation is paid? • Can you afford to defer the income this year? Read the full list of questions and more on the blog "The Ins and Outs of Deferred Compensation Plans" https://bit.ly/4efw6kS

Nonqualified deferred compensation plans have various structures, rules, and withdrawal options depending on how your employer builds the plan. Below are a few of the pros of deferred compensation plans when reviewing your employer’s options. Pros of Deferred Compensation Plans for High Earners: • Significant tax deferral opportunities • Customizable payout schedules • Potential for investment growth • There are no nondiscrimination rules for participants, so the plan can benefit owners, executives, and highly compensated employees specifically Want to know the cons? Read the full blog post "The Ins and Outs of Deferred Compensation Plans" https://bit.ly/4efw6kS

What Are Deferred Compensation Plans? Deferred compensation plans look a bit different from the 401(k) you may already be familiar with. Like a 401(k), you can defer compensation into the plan and defer taxes on any earnings until you make withdrawals in the future. You can also establish beneficiaries for your deferred compensation. However, unlike 401(k) plans, the IRS doesn’t limit how much income you can defer each year. Read the full blog post "The Ins and Outs of Deferred Compensation Plans" https://bit.ly/4efw6kS

TOMORROW! Have you worked for a company that offered compensation in the form of company stock? Holding onto company stock can leave your wealth tied to the company's performance. By simply doing nothing with your shares, you are agreeing to whatever happens with that stock, which may not be as robust as you’d like! Are you ready to take more control? Join our live webinar co-hosted by Wealth Advisors Chris Waclawik and Geoff Curran for strategies and options to leverage your company stock and unlock its full potential. You'll also have an opportunity to ask questions in real time! Can't attend live? No problem, register anyway and we'll send you the recording after! Register: https://bit.ly/4ffgmj6

If you’re an executive or a highly compensated employee looking to maximize your retirement savings and minimize tax liabilities, understanding how deferred compensation plans can work for you is crucial. You might notice a different option in your benefits plan beyond the usual 401(k). Some employers also offer Section 409A nonqualified deferred compensation plans to high earners, which have their own mix of rules, regulations, and potential drawbacks to navigate. However, when you’re earning income in the hundreds of thousands, it’s important to consider every option for saving on taxes and setting aside a larger nest egg for retirement. Contributing to the usual array of IRAs and 401(k)s might not be enough to see you through your golden years, and tools like deferred compensation plans could help you bridge the gap to early retirement. Read the full blog post "The Ins and Outs of Deferred Compensation Plans" https://bit.ly/4efw6kS

Happy FIRST year, Charlie! He distinguished himself quickly as an avid sports fan and like-minded Huskies fans flocked to Charlie's desk to discuss the latest happenings in UW sports. Even non-Huskies fans are fans of Charlie. His easy-going and fun demeanor can be disarming when you realize how smart and dedicated he is to educating and helping his clients achieve their financial goals. He grew up nearby on the Olympic Peninsula and enjoys golf and family events in his free time. He has fondly become known as "Uncle Charlie" to many of the Merriman dogs in need of some weekend pet-sitting. We've got your number, Charlie! Glad you are very much a part of our team!

Have you worked for a company that offered compensation in the form of company stock? Holding onto company stock can leave your wealth tied to the company's performance. By simply doing nothing with your shares, you are agreeing to whatever happens with that stock, which may not be as robust as you’d like! Are you ready to take more control? Join our live webinar co-hosted by Wealth Advisors Chris Waclawik and Geoff Curran for strategies and options to leverage your company stock and unlock its full potential. You'll also have an opportunity to ask questions in real time! Can't attend live? No problem, register anyway and we'll send you the recording after! Register: https://bit.ly/4ffgmj6