Liberty One Wealth Advisors

Liberty One Wealth Advisors Objective, Holistic, and Relevant Advice

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.

How much life insurance do you actually need?The common "10x income" rule can be a helpful starting point, but it often ...
06/19/2026

How much life insurance do you actually need?

The common "10x income" rule can be a helpful starting point, but it often falls short for high earners, business owners, and families with more complex financial situations.

A better approach is to focus on what the coverage is intended to accomplish: replacing income, paying off debts, covering a mortgage, and funding future goals like education. The DIME method (Debt, Income, Mortgage, Education) can provide a more structured way to evaluate your needs.

The right amount isn't based on a generic formula. It's based on the financial impact your absence would have on the people who depend on you.

06/18/2026

What if you could own every stock in an index and still control your taxes?

That’s the power of direct indexing. Instead of buying a fund, you own the individual stocks, giving you more flexibility and control. That means:

- Stay fully invested and diversified
- Harvest losses from specific holdings — even when markets are up
- Reduce taxable gains and enhance after-tax returns

For high-net-worth investors facing liquidity events, direct indexing can turn market volatility into long-term tax efficiency.

And with long/short overlays, you can add an institutional-level layer of precision, blending exposure control with year-round tax management.

06/17/2026

When a single stock has driven your success, whether from years of service, stock options, or a business you helped build, diversification can come with a steep capital-gains bill.

That’s where exchange funds come in. Instead of selling your shares, you can contribute them to a private investment fund and receive ownership in a diversified portfolio, deferring taxes while reducing risk.

With capital-gains rates expected to rise after 2026, this strategy is gaining traction among executives, founders, and long-term shareholders looking for tax-efficient diversification.

06/16/2026

Sold a business, property, or stock with a big gain?

Before you write that tax check, there may be a smarter move that turns your tax bill into an investment opportunity.

Opportunity zone investing lets you reinvest capital gains into projects that revitalize communities, while potentially deferring, or even reducing the taxes you owe.

Defer taxes on appreciated assets
Reinvest in real estate or business development
Align your wealth strategy with meaningful impact

Being long-term and often less liquid, opportunity Zone Funds are not a fit for everyone. But for investors with substantial gains, they can be a powerful way to let your money keep working for you and the community.

Retirement planning isn’t just about saving more, it’s about avoiding the costly mistakes that quietly erode wealth over...
06/15/2026

Retirement planning isn’t just about saving more, it’s about avoiding the costly mistakes that quietly erode wealth over time.

In our new guide, we break down the 14 most common investment pitfalls, from hidden fees and tax drag to concentration risk, inflation blind spots, and emotional decision-making. If you want your investment portfolio to support your lifestyle, and not just look good on paper, this guide was built for you.

Download your complimentary Retirement Guide and gain clarity on the decisions that matter most. Link in comments below.

06/11/2026

Are you paying the extra 3.8% you don’t have to?

The Net Investment Income Tax (NIIT) applies once your income exceeds $200,000 (single) or $250,000 (married). But there are smart ways to reduce it:
- Favor tax-exempt investments like municipal bonds.
- Max out retirement and HSA accounts, which are exempt from NIIT.
- Harvest losses to offset gains.
- Time your income around thresholds to stay below the surtax.

The goal isn’t to overhaul your portfolio - it’s to make your tax strategy as efficient as your investment strategy. At Liberty One Wealth Advisors, we help clients align portfolio design, timing, and tax management - so your money works smarter, not just harder.

06/10/2026

Chris Klein, CFP® breaks down one of the most tax-efficient ways to give: donating appreciated stock instead of cash.

When you gift stock that’s increased in value, especially after holding it for more than a year, you can avoid paying capital gains taxes and still deduct the full fair market value of the gift if you itemize.

It’s a simple strategy that can amplify your charitable impact while keeping more of your money working for good.

06/09/2026

Trying to predict where tax rates are headed? The truth is, planning matters far more than guessing.

When you focus on strategy, things like income timing, Roth strategies, capital gains planning, and building flexibility, you create options for the future.

The people who benefit most aren’t trying to outsmart the system. They’re building plans that can adapt no matter what happens next.

Young professionals often do not have a money problem, they have an order problem. Where is the money going?In this epis...
06/08/2026

Young professionals often do not have a money problem, they have an order problem. Where is the money going?

In this episode of Inevitable Wealth, Jacky and Paul break down how early-career, high-income professionals can prioritize their cash flow, avoid common mistakes, and build a financial foundation that gives their future self more flexibility. They cover the order of operations: emergency savings, employer 401(k) match, high-interest debt, Roth accounts, and brokerage investing. They also explain why young professionals should be cautious when someone pushes insurance products as a catch-all solution, especially when they do not have dependents.

If you're just starting out in your career, and wondering how to set yourself up for financial success, this episode is for you. Link in comments.

Intentional planning means every dollar should have a role, whether it’s supporting short-term needs, protecting against...
06/05/2026

Intentional planning means every dollar should have a role, whether it’s supporting short-term needs, protecting against risk, or driving long-term growth. That means thoughtfully balancing liquidity with investment opportunities that align with your goals, time horizon, and risk tolerance.

At the end of the day, the goal isn’t just to preserve wealth, it’s to ensure it continues to grow and support your life over time.

Thoughtful allocation, not excess caution, is what keeps a financial plan moving forward.

Want help understanding your options when it comes to smart cash management? Contact us today to schedule a complimentary Q&A with one of our team members. Link in comments.

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2001 Market Street #2500
Philadelphia, PA
19103

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