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.

Is inherited money taxable? For most beneficiaries, the answer at the federal level is no. Cash, real estate, and taxabl...
09/18/2026

Is inherited money taxable? For most beneficiaries, the answer at the federal level is no. Cash, real estate, and taxable investment accounts generally don't need to be reported as income on a federal tax return.

There are a few important exceptions. Some states impose their own inheritance tax, so the rules can vary depending on where the deceased lived. Estates subject to federal estate tax pay that liability before assets are distributed. And inherited retirement accounts, like traditional IRAs and 401(k)s, can generate taxable income when distributions are taken, though the tax applies to the withdrawal, not the inheritance itself.

The short answer is - the full picture depends on the type of asset, state laws, and how the estate is structured.

09/17/2026

Unused 529 funds are no longer a lost opportunity. Thanks to SECURE Act 2.0, up to $35,000 per beneficiary can now be rolled tax free into a Roth IRA, turning a leftover education fund into a head start on retirement.

To qualify, the account must be at least 15 years old, contributions at least 5 years old, and the beneficiary must have earned income. Even without a full rollover, withdrawing the funds can still make sense, since a new graduate's income and tax rate are typically far lower than a parent's.

Curious how a 529 plan could work harder for your family? Reach out to an advisor at Liberty One Wealth Advisors with the link in the comments section.

09/16/2026

Health savings accounts offer a rare triple tax advantage: contributions go in tax deductible, funds grow tax free, and qualified withdrawals come out tax free. For those with a high deductible health plan, this makes an HSA one of the most efficient savings vehicles available.

Most people spend their HSA funds each year, but investing them and letting them grow can turn the account into a long-term healthcare reserve for retirement. Saving receipts along the way also opens the door to tax-free reimbursements down the road.

09/15/2026

Planning a major exit this year, whether it's a business, property, or concentrated stock sale? Long/short direct indexing, a strategy widely used by institutional investors, is becoming more accessible and can offer a real tax advantage.

Instead of buying a standard index fund, this approach purchases the underlying positions directly with a short overlay on top, generating losses that offset gains from a major sale. Those losses can accumulate throughout the year or roll forward depending on individual circumstances, turning market volatility into meaningful tax savings.

Is a major exit on the horizon for you this year?

Most families think getting into college has become harder than ever. The headlines focus on a dozen ultra-selective sch...
09/14/2026

Most families think getting into college has become harder than ever. The headlines focus on a dozen ultra-selective schools with plummeting admit rates, but that's not the full picture. Nationally, the average acceptance rate has actually risen over the past decade, from roughly 67% to about 72%.

So why does it feel harder? Application inflation. Students now apply to six or seven schools on average, and about 40% apply to ten or more. The same number of seats are sifting through far more applications, which drags admit rates down even as spots stay flat.

At scale, most admissions decisions come down to rubric-driven reads: course rigor relative to what a student's high school offered, grades, and test scores where required. Far fewer files reach real committee debate than most families assume.

Understanding how the process actually works is the first step to navigating it without panic.

(Statistics cited reflect publicly reported data available as of 2026 and are subject to revision. )

A sound financial plan answers these important questions:1. What happens if you live long enough to need decades of reti...
09/11/2026

A sound financial plan answers these important questions:

1. What happens if you live long enough to need decades of retirement income?
2. What happens if you die and leave dependents behind?
3. What happens if a serious illness stops your ability to earn?
4. What happens if a lawsuit puts your assets at risk?
5. Who receives what you've built, and on what terms?

Most people can answer one or two of these with confidence, but we've found few can answer all five.

We created a Financial Resilience Self-Check to help close that gap. It takes a few minutes and covers retirement readiness, insurance coverage, and estate planning, giving you a clear picture of where your plan is strong and where it needs attention.

Take the free Financial Resilience Self-Check - link in comments.

Five years ago today, Liberty One Wealth Advisors launched with with a simple vision: Build a firm that always puts the ...
09/10/2026

Five years ago today, Liberty One Wealth Advisors launched with with a simple vision: Build a firm that always puts the interests of families and businesses first. No matter what.

Since then, we've had the privilege of helping clients navigate retirements, business transitions, market volatility, tax decisions, and all the unexpected twists that life tends to throw our way.

Our growth has been rewarding, but what we're most grateful for is the trust that our clients place in us every day.

To the families and businesses who have allowed us to be part of your journey, thank you.

We're proud of what we've built together and excited to see what the next five years unfold.

09/09/2026

Opportunity Zones are making a comeback in 2027, offering a significant advantage for anyone who realized a large capital gain from selling a business, real estate, or stock in the second half of 2026. Updated rules allow those gains to be rolled into an Opportunity Zone investment, unlocking three notable tax benefits:

1. A five-year deferral means taxes on the gain aren't owed until year five.
2. Holding the investment for five years qualifies for up to a 30% discount on those taxes.
3. Holding for ten years makes 100% of future growth tax-free.

It's worth noting that the window to act is time-sensitive: the 180-day clock starts ticking from the date of sale.

For those exploring ways to defer or reduce a tax bill, connecting with a CFP is a smart next step. Schedule a free call with one of our team members with the link in comments below.

College is one of the largest financial decisions a family will make and it deserves to be evaluated the way any major i...
09/08/2026

College is one of the largest financial decisions a family will make and it deserves to be evaluated the way any major investment would be.

Think of it as capital allocation under uncertainty. The return compounds when a student's interests, skills, program, and the job market align. The real risk isn't the price tag alone — it's mismatch plus debt.

A state-school Honda reaches the same destination as a private Mercedes. Fit, price, and ex*****on are what create the return, not the name on the diploma.

For families balancing college costs against retirement savings and other long-term goals, that framing changes the conversation — from "which school is best" to "which path makes the most sense for our full financial picture."

How does your family weigh college costs against your other long-term financial goals?

09/08/2026

Estate planning starts with a few foundational documents, yet many people overlook them until it's too late. A will directs where assets go, a power of attorney names who handles financial decisions if needed, and a healthcare directive outlines medical wishes when someone cannot speak for themselves.

One detail often missed: beneficiary designations on accounts override what's written in a will, so keeping those updated is just as important as having the documents in place. Together, these basics help families avoid delays, confusion, and unnecessary costs down the road.

Have you reviewed your beneficiary designations recently?

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