Liberty One Wealth Advisors

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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.

The core building blocks of your estate plan are more straightforward than most people expect, and putting them in place...
10/16/2026

The core building blocks of your estate plan are more straightforward than most people expect, and putting them in place early can save loved ones from unnecessary stress, delays, and expense down the road. Here are the 3 key documents to put in place:

1. Will
2. Power of Attorney
3. Healthcare Directive

Together these basic documents help families avoid delays, confusion, and unnecessary costs down the road, giving clarity when it matters most and ensuring wishes are actually carried out.

10/15/2026

What's on the radar as the fourth quarter gets underway?

Three things are shaping our outlook: Whether geopolitical tensions ease or escalate, whether inflation keeps trending in the right direction, and whether consumer spending and corporate earnings stay strong enough to support growth.

Some volatility along the way is expected, and markets are already starting to look ahead to 2027. For long-term investors, the plan matters more than the headlines.

It's important to keep Pennsylvania’s 3.07% flat tax in mind when planning your investments. It may influence how you th...
10/14/2026

It's important to keep Pennsylvania’s 3.07% flat tax in mind when planning your investments. It may influence how you think about structuring and managing taxable income over time.

Regularly reviewing your tax-efficient strategy can help you adjust for life changes or tax law shifts, supporting a plan that stays responsive to your circumstances.

10/14/2026

Non-qualified deferred compensation isn’t just a bigger 401(k).

While it can help high earners delay income taxes, the money stays on your employer’s balance sheet and is subject to company risk. Add in strict payout rules, payroll tax timing, and concentration risk, and this becomes a decision that requires careful planning, not just tax math.

Handled correctly, deferred comp can be powerful. Handled casually, it can create real risk.

10/13/2026

As the year enters its final quarter, Chris and Paul look back at the market themes that shaped Q3 and share what the Liberty One team is watching next.

They explain a recent portfolio rebalance and walk through the planning decisions worth reviewing before year-end, including tax-loss harvesting, Roth conversions, benefits elections, and gifting. They also share two team milestones: Liberty One’s fifth anniversary and an upcoming office move to the Bellevue.

Most people treat their HSA like a checking account, but the truth is it is actually the most tax-efficient account they...
10/12/2026

Most people treat their HSA like a checking account, but the truth is it is actually the most tax-efficient account they own.

It's the only account with a triple tax advantage: contributions are tax deductible, the balance grows tax free, and qualified withdrawals come out tax free. A traditional retirement account gives you one end of that and a Roth gives you the other. But an HSA gives you both.

Left invested instead of spent, it becomes a long-term healthcare reserve for the years when medical costs are highest. And there's no deadline on reimbursement, so a receipt saved today can mean a tax-free withdrawal years down the road.

Have you thought about investing your HSA instead of spending it each year?

Inflation slowly reduces your spending power especially over long periods. Even modest inflation can make everyday costs...
10/09/2026

Inflation slowly reduces your spending power especially over long periods. Even modest inflation can make everyday costs, healthcare needs, and education expenses grow far faster than expected. Without planning for rising costs, your retirement lifestyle may fall short of what you intend.

Here are 3 tips to help your portfolio keep up with long-term price increases:
1. Use assets with long-term growth potential
2. Build a cushion for unexpected price jumps
3. Review spending needs regularly

Download our free retirement guide for 13 more investment pitfalls to avoid - link in comments.

10/08/2026

Should you always max out your 401(k)?

Not necessarily.

Retirement savings are important, but not if they're coming at the expense of an emergency fund, high-interest debt, or other major financial goals. The order of operations matters.

Start by capturing your employer match, build a solid financial foundation, then increase retirement contributions as part of a broader plan.

What are the key differences between Term and Whole Life Insurance?Term Life Insurance:✔️ You can choose to pay for life...
10/07/2026

What are the key differences between Term and Whole Life Insurance?

Term Life Insurance:
✔️ You can choose to pay for life insurance for a year or up to 30 years
✔️ There's no cash value but it's typically low cost
✔️ Can be good for if you're starting out and building up your nest egg

Whole Life Insurance
✔️ Pay over the course of your life
✔️ More expensive but has cash value
✔️ Very helpful for tax planning and estate planning

Insurance isn't just a policy; it's peace of mind for you and your loved ones. Knowing the ins and outs can make all the difference in your planning.

10/07/2026

Emotional decisions and money do not mix. The goal is not to automatically buy, sell, or hold, it is to be intentional.

Too many people sit on company stock simply because they never made a decision about it in the first place.

Look at the numbers and understand your options. Make a clear, informed choice that aligns with your goals.

No plan is still a decision, just not an intentional one.

Address

2001 Market Street #2500
Philadelphia, PA
19103

Telephone

+12156089436

Website

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