What is a Financial Plan?
A financial plan isn’t just a spreadsheet or a list of investments – it’s a roadmap that connects your money to your goals. In this video, Paul breaks down what a real financial plan includes, how it adapts as life changes, and why it’s designed to give you confidence, direction, and peace of mind […]
Turn Market Volatility Into Tax Savings
When markets fluctuate, smart investors don’t just watch the numbers – they act strategically. Tax-loss harvesting lets you: – Use losses to offset capital gains (and up to $3,000 of income) – Carry unused losses forward to future years – Stay invested while reducing taxable income Just watch out for the Wash Sale Rule: […]
What Is the 3.8% Net Investment Income Tax – and Who Has to Pay It?
Did you know there’s a 3.8% tax that can quietly apply to your investment income? It’s called the Net Investment Income Tax (NIIT), and it affects interest, dividends, capital gains, and passive income once your total income crosses: • $200,000 (Single) • $250,000 (Married Filing Jointly) Here’s how it works: – It applies to […]
Marquis Who’s Who Honors Jacky Petit-Homme, CFP®, CEPA®, for Excellence in Financial Services
We discuss Jacky’s journey in building a financial planning firm in Philadelphia, the value of working directly with an intimate group of clients, the imperativeness an emergency fund, and how a great financial planner is a financial coach. Jacky’s core values are: 1. Authenticity – I am unapologetically me. 2. Resilience – I bounce back […]
“Your Financial Fire Extinguisher” – Jacky Petit-Homme, CFP®
We discuss Jacky’s journey in building a financial planning firm in Philadelphia, the value of working directly with an intimate group of clients, the imperativeness an emergency fund, and how a great financial planner is a financial coach. Jacky’s core values are: 1. Authenticity – I am unapologetically me. 2. Resilience – I bounce back […]
Building Credit the Smart and Fun Way with Credit Cards
Building Credit the Smart and Fun Way with Credit Cards Credit cards are often misunderstood, but when managed wisely they can be a powerful tool for building long-term financial health. Good credit is important because it influences your ability to borrow money, the interest rates you pay, your insurance premiums, and in some cases even […]
What to Consider If You’re Moving Abroad
At Liberty One Wealth Advisors, we’re fortunate to work with clients who live and spend time around the world – from China to the UK, Portugal, Spain, Italy, Greece, and beyond. Whether you’re relocating temporarily or planning a long-term move, living abroad opens up new opportunities and unique challenges for your financial life. Here are […]
How Retirees Can Maximize Charitable Giving with QCDs
Retirees often want to support their favorite causes, but taxes can complicate the process. One powerful strategy – now more valuable than ever – is the Qualified Charitable Distribution (QCD). What is a QCD? A QCD allows IRA owners age 70½ or older to transfer funds directly from their traditional IRA to a qualified charity. […]
Understanding Behavioral Finance
Behavioral finance is the study of how psychology influences financial decisions. Even the most experienced investors are not immune to emotions like fear, greed, and overconfidence. Understanding how these behaviors shape decision-making is essential for building a disciplined financial strategy. By recognizing our natural biases, we can avoid costly mistakes and stay focused on long-term […]
What the Fed’s Recent Rate Cut Could Mean for Investors
The Federal Reserve recently lowered interest rates by a quarter point, with more cuts possible ahead. For investors, the key question is how rate cuts impact the stock market and broader economy. Market Impact of Rate Cuts Historically, the stock market tends to respond positively to lower rates. Cheaper borrowing costs help companies access capital […]