Liberty One Wealth Advisors

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Liberty One Wealth Advisors

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Let’s Work Together Certified Financial Planner Board of Standards Center for Financial Planning, Inc.

Liberty One Wealth Advisors, LLC ("Liberty One Wealth") is a Registered Investment Advisor ("RIA") with the U.S. Securities and Exchange Commission ("SEC"). Any opinions expressed are derived from sources generally believed to be reliable and is provided for informational purposes only. It does not constitute any form of advice or recommendation to buy or sell any securities, adopt any investment

strategy discussed or invest in any specific product. Nothing contained on this page constitutes investment, legal, tax or other advice and is not to be relied on in making an investment or other decision. Please contact your financial advisor if you have any questions or would like to discuss the content of this page. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.

07/23/2026

Want your financial plan to finally feel meaningful?

Start by aligning your money with your values—travel, growth, giving, whatever matters most. When your values lead, your money follows with purpose.

07/22/2026

In this quarterly update, Chris and Paul recap a volatile but resilient second quarter, including how geopolitical headlines, oil prices, and interest rate expectations shaped the market environment.

They also walk through Liberty One’s disciplined rebalancing approach, the potential impact of the SpaceX IPO, and key planning items to keep on the radar heading into Q3.

If you haven't had a chance to connect with us yet this summer, now is a great time to reach out. Schedule a free call with one of our team members. Link in comments below.

07/21/2026

One of the biggest financial mistakes young professionals make is increasing their lifestyle before building a strong financial foundation.

As your income grows, prioritize the basics first: build an emergency fund with 3 to 6 months of essential expenses, contribute to your retirement savings, and pay down high-interest debt. Those steps create the stability that allows you to enjoy future raises with confidence instead of financial stress.

A strong financial future isn't built by earning more. It's built by creating the right habits early.

07/20/2026

Budgeting gets a bad reputation. People hear the word and think restriction, cutting out everything fun. But that's not what it actually is.

A good budget doesn't restrict you, it gives your money direction. Instead of wondering where your money went, you're telling it where to go.

Start with awareness. Look at three numbers: what's coming in, what's going out, and what's left over. That leftover piece is your margin, and that's where freedom lives. It's what lets you save, invest, and live with intention.

Track your expenses for one month and you'll probably find money slipping away in places you didn't expect, subscriptions, impulse buys, dining out. Once you see it, you can redirect it toward what actually matters to you.

Automate the essentials so that savings, investments, and bills happen without you having to think about them. Then use the 50/30/20 framework as a guide: 50% toward needs, 30% toward wants, 20% toward savings and debt repayment. Simple, flexible, and easy to stick with.

When you control your cash flow, you control your choices. Budgeting isn't about saying no, it's about saying yes to the life you actually want.

07/17/2026

Choosing how to receive your pension is one of the most important retirement decisions you'll make.

Should you take a lump sum or receive monthly pension payments? The right answer depends on your unique situation, including your retirement income needs, health, tax considerations, investment strategy, and comfort with risk.

Rather than focusing on which option is "better," focus on which one best supports your long-term financial plan. A thoughtful analysis today can help provide greater confidence throughout retirement.

07/16/2026

An emergency fund isn't just a savings account. It's protection for your financial plan.

By setting aside 3 to 6 months of essential expenses, you're preparing for the unexpected, whether it's a job loss, medical bill, car repair, or another surprise. Instead of selling investments or relying on high-interest credit cards, you have a financial cushion that helps keep your long-term goals on track.

The goal isn't to avoid emergencies. It's to make sure they become a temporary setback, not a long-term financial disruption.

07/15/2026

Paying for childcare, preschool, or a babysitter? A Dependent Care FSA can be a smart tool, making expenses you already pay tax-deductible.

A few things to keep in mind:
✔️ Annual limit: Up to $5,000 in 2025
✔️ Use it or lose it: FSAs don’t roll over
✔️ Great for families with childcare or dependent-care needs

Not sure how this applies to your situation? Reach out to us to schedule a complimentary Q&A with one of our team members. Link in comments below.

07/14/2026

Should couples combine their finances?

There isn't a one-size-fits-all answer. Some couples prefer fully joint accounts, others keep everything separate, and many find a hybrid approach works best.

What matters most isn't the structure. It's having a system that supports your shared goals. Open communication, clear expectations, and regular conversations about money can help build trust and keep you moving in the same direction.

The best financial plan is one you create together.

07/13/2026

Generally you can't use use tax-loss harvesting in an IRA or 401(k).

Tax-loss harvesting is a strategy designed for taxable brokerage accounts because realized gains and losses can impact your current-year tax bill. Investments held inside traditional IRAs, Roth IRAs, and 401(k)s grow tax-deferred or tax-free, so gains and losses within those accounts typically do not create current-year tax consequences.

The key isn't just choosing the right investments. It's understanding which strategies work best in each type of account. Thoughtful asset location and tax-aware planning can help improve your long-term financial outcomes.

07/10/2026

What if your child doesn’t end up using all of their 529 college savings?

Thanks to the SECURE 2.0 Act, up to $35,000 per beneficiary can now be rolled tax-free from a 529 into a Roth IRA—if certain requirements are met:

- The 529 must have been open for at least 15 years
- Only contributions (and earnings on those contributions) older than 5 years are eligible
- The beneficiary must have earned income

Annual Roth IRA contribution limits still apply: $7,000 for 2025 and $7,500 for 2026 (higher for those 50+)

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2001 Market Street #2500
Philadelphia, PA
19103

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https://www.libertyonewealth.com/answers

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