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Tom Meaglia, ChFC®, AEP®,

CLU®, CRPC®, MSFS

Chartered Financial Consultant

Investment Advisor Representative

Chartered Retirement Planning Counselor

CA Insurance Lic. #0567507

 

Meaglia Financial Consulting

2105 Foothill Blvd., #B140, La Verne, CA 91750

 

Toll Free: 800-386-3700

Bus:         909-593-6105

Cell:         818-681-8600

Fax:         909-593-6120

 

Email: tom@meagliafinancialconsulting.com

Website: www.meagliafinancialconsulting.com

November/December 2026

A Taxable Brokerage Account May Be What Your Retirement Is Missing

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As you approach retirement, it's natural to want to ensure that your finances are in good shape. You might have a 401(k), IRA, or various retirement accounts, but have you considered how a taxable brokerage account could play a crucial role in your retirement strategy?


Flexibility
A taxable brokerage account provides you with flexibility that tax-advantaged retirement accounts don't. While 401(k)s and IRAs come with rules about when and how you can withdraw your money, a brokerage account gives you access to your funds whenever you need them without penalties. This can be particularly beneficial if emergencies come up or if you want to take advantage of investment opportunities as they arise.


A Wide Array of Investment Options
You can invest in stocks, bonds, mutual funds, ETFs, and more. This choice lets you customize your strategy to fit your risk and retirement goals. A brokerage account lets you take charge and potentially increase your wealth if you're comfortable with the market.


Tax Implications
Traditional retirement account contributions are often tax-deductible. But withdrawals are taxed as ordinary income. With a taxable brokerage account, you pay taxes only on gains when you sell. Holding investments long-term may help you lower capital gains taxes. You keep more money.


More Control
A taxable account can also serve as a source of income after you retire. If you retire early or your income needs fluctuate, having a brokerage account lets you withdraw funds as needed, helping bridge any income gaps. Rather than relying solely on your retirement accounts, having money in a taxable account can offer you more control and peace of mind.


Getting Help
Don't hesitate to explore this option with your financial professional, who can assess your situation, explain how to use a taxable brokerage account with other investment vehicles, offer guidance on asset allocation, identify investments that best align with your goals, and advise you on managing your tax exposure.


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Thomas Meaglia is an Investment Adviser Representative of Coppell Advisory Solutions LLC, dba, Fusion Capital Management, a registered investment adviser that only conducts business in jurisdictions where it is properly registered, or is excluded or exempted from registration requirements. Registration as an investment adviser is not an endorsement of the firm by securities regulators and does not mean the adviser has achieved a specific level of skill or ability. The firm is not engaged in the practice of law or accounting.
Insurance and annuity products are not sold through Fusion Capital Management. Fusion does not endorse any annuity or insurance product, nor does it guarantee any insurance or annuity performance. Annuity and life insurance guarantees are subject to the claims-paying ability of the issuing insurance company. If you withdraw money from or surrender your contract within a certain time after investing, the insurance company may assess a surrender charge. Withdrawals may be subject to tax penalties and income taxes. Persons selling annuities and other insurance products receive compensation for these transactions. These commissions are separate and distinct from Fusion's investment advisory fees.
Meaglia Financial Consulting and LTM Marketing Solutions, LLC are unrelated companies. This publication was prepared for the publication’s provider by LTM Marketing Solutions, LLC, an unrelated third party. Articles are not written or produced by the named representative.

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