Financial Planning and Wealth Management Firm in Philadelphia
As fee-only, fiduciary financial advisors, we provide personalized financial planning and investment management for Philadelphia families and professionals, with a focus on long-term goals, risk considerations, and informed financial decisions.
At Liberty One, our approach focuses on helping individuals and families understand their financial options and make decisions aligned with their goals and priorities.
focusing on the personal goals and aspirations of each and every client.
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Objective, Holistic, and Relevant Advice
At Liberty One, we are independent fiduciary financial advisors acting in the best interest of our clients. Through holistic financial planning services and transparent, open communication, we provide personalized financial planning for Philadelphia families and professionals, supporting informed decisions aligned with each client’s goals and financial priorities.
Our Offerings
From comprehensive financial planning and disciplined investment management to retirement income strategies and estate and legacy planning considerations, Liberty One provides coordinated guidance across different stages of life. Explore our full range of wealth management services to learn more about our approach.
Financial Planning
Personalized financial planning helps clients organize their financial priorities and evaluate decisions in the context of short- and long-term goals. Financial planning can also provide the framework for developing an investment strategy aligned with those goals.
Asset Allocation
Diversifying across asset classes can help align a portfolio with a client's goals, time horizon, and risk considerations while managing exposure to different types of investment risk.
Investment Management
Active rebalancing can help keep a portfolio aligned with its intended allocation and risk profile over time. A rules-based approach can also help reduce the influence of emotion on investment decisions.
Asset Location
Asset location considers how investments are held across taxable and tax-advantaged accounts based on each account's characteristics. This tax-aware approach can help clients evaluate portfolio structure alongside broader financial planning considerations.
Behavioral Coaching
Investing evokes emotion. As markets change, our hands-on approach provides perspective and guardrails to help clients evaluate investment decisions in the context of their long-term plan and risk tolerance.
Financial Education
Our team's focus on education helps clients better understand financial markets and the reasoning behind planning and investment decisions.
You’re In Good Hands
As fee-only financial planners, we serve as fiduciaries and act in our clients’ best interests, providing transparent wealth management focused on their goals and financial priorities. Liberty One is a two-time Philly Favorites award winner and has a 4.9-star Google rating.
Contact us and let’s work together
Ready to discuss your financial planning needs? Our fiduciary advisors provide transparent, personalized financial planning and wealth management for Philadelphia families and professionals, supporting informed decisions around your goals, priorities, and long-term financial picture.
Contact
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2001 Market Street Suite 2500 Philadelphia, PA 19103
Office Hours: Mon – Sat: 8:00 AM – 10:00 PM
Serving Philadelphia and the Surrounding Communities
Liberty One is based in Center City Philadelphia and works with families and professionals throughout the region, including the Main Line, Chestnut Hill, University City, and the surrounding counties of Montgomery, Bucks, Delaware, and Chester. Through virtual financial planning, we also serve clients across South Jersey and nationwide.
Wealth Management Firm FAQ
Navigating your financial life can feel overwhelming, especially when you are balancing everyday decisions with long-term goals like retirement, investing, and planning for your family’s future. Many people are not looking for more complexity. They want clarity, structure, and guidance they can trust. This is where a wealth management firm can play an important role.
A wealth management firm helps individuals and families understand their full financial picture and make informed decisions over time. Rather than focusing on one product or account, the approach looks at how planning, investments, tax considerations, and long-term goals work together.
The purpose is not to chase trends or promise outcomes, but to provide objective guidance that helps you make informed financial decisions. In this fiduciary guide, we explain what fiduciary advice means, how fiduciary financial advisors work, and how that standard fits within broader financial planning.
What exactly does a wealth management firm do?
A wealth management firm helps you coordinate the major pieces of your financial life so your decisions work together rather than in isolation. For example, we integrate financial planning, investment management, asset allocation and asset location, thoughtful insurance considerations, and ongoing financial education into a coherent approach tailored to your goals.
Rather than offering a single recommendation here or there, we help you see the bigger picture and make informed decisions that align with your long-term goals and priorities. Our priority is to help you understand your options and make choices that fit your life, with financial planning and wealth management for families and professionals throughout the Philadelphia area.
Takeaway: A wealth management firm brings together your planning, investments, and financial goals in a thoughtful, long-term approach focused on clarity and informed decision-making.
How is a wealth management firm different from a financial advisor?
The difference usually comes down to scope and coordination, not importance. A financial advisor may focus on a specific area, such as investment management or retirement planning. A wealth management firm takes a broader view, helping you connect multiple parts of your financial life—financial planning, investments, asset location, insurance considerations, and education—so decisions are made in context rather than in isolation.
We approach this work as an ongoing relationship, especially when your finances involve multiple moving parts or long-term goals that need regular review. The focus is not on account size, but on helping you understand how today’s decisions affect your future and giving you clarity as your needs evolve.
Takeaway: A wealth management firm provides more integrated, ongoing guidance across multiple financial areas, while a financial advisor may focus on a narrower set of needs.
What does it mean for a firm to be a fiduciary?
Being a fiduciary means we are legally required to act in your best interest at all times. Every recommendation must be based on what supports your goals, not on commissions, incentives, or product sales. This includes fully disclosing conflicts of interest and providing advice that is objective, transparent, and grounded in your situation.
For you, this matters because it creates trust and accountability. It means we focus on helping you make informed decisions across planning, investments, and long-term strategy, knowing the guidance you receive is designed to support your financial well-being, not someone else’s agenda.
Takeaway: A fiduciary firm is required to put your interests first, providing objective, transparent guidance you can trust.
What specific services can I expect from a wealth management firm?
You can expect guidance that starts with financial planning, which serves as the foundation for everything else. This planning process helps clarify both short- and long-term goals and creates a framework for informed decision-making. From there, services often include asset allocation and investment management, where portfolios are diversified, actively rebalanced, and managed using a rules-based approach designed to reduce emotional decision-making and manage risk over time.
Beyond investments, a wealth management firm also helps with asset location, making thoughtful decisions about how investments are held across taxable and tax-advantaged accounts to improve tax efficiency. Ongoing behavioral coaching and financial education are equally important, helping you stay disciplined through market changes and better understand how your financial plan works. The goal is not complexity for its own sake, but clarity, coordination, and confidence as your financial life evolves.
Takeaway: A wealth management firm provides coordinated financial planning, investment management, tax-aware asset placement, behavioral guidance, and education, all working together to support long-term goals.
How can a wealth management firm help with retirement planning?
A wealth management firm helps with retirement planning by building a clear, personalized plan around how you want retirement to look and how your finances can support it. We start by understanding your goals, timeline, and income needs, then review your existing savings, investments, and accounts to see how everything fits together. This planning-first approach creates a practical framework for making informed decisions before and during retirement.
From there, retirement planning often includes investment management, thoughtful asset allocation, and tax-aware asset location to help support long-term income. We also focus on education and ongoing guidance so you understand how withdrawals, market changes, and risk management can affect your plan over time. The goal is not to predict every outcome, but to help you feel prepared, informed, and confident as retirement approaches.
Takeaway: Retirement planning brings your goals, investments, and income strategy together into a clear plan designed to support long-term security and peace of mind.
What does a fiduciary financial advisor do?
A fiduciary financial advisor acts in the client’s best interests above their own or their firm’s. Objective recommendations must be based on what supports the client’s goals and needs, not on commissions or incentives. Fiduciary advisors also disclose unavoidable conflicts of interest.
Takeaway: A fiduciary advisor is legally required to put your interests first, not product sales or firm incentives.
How do fee-only financial planners get paid?
Their clients pay directly for fee-only financial planners, not through commissions on financial products. Compensation is typically structured as an advisory fee based on assets under management or as a planning fee. Since payment is not tied to selling investments, the advice remains independent.
Takeaway: Fee-only compensation removes product incentives and keeps advice focused on the client.
What’s the difference between financial planning and investment management?
Financial planning focuses on defining goals, managing cash flow, setting retirement timelines, and building a long-term strategy. Investment management involves creating and maintaining a portfolio to support those goals through asset allocation and disciplined oversight.
Takeaway: Financial planning sets the direction, while investment management supports it through careful execution.
Do I need both financial planning and investment management?
In most cases, yes. Investment decisions are more effective when there is a broader financial plan. Without planning, investments can lose context. Likewise, a strong financial plan without investment management may not be implemented properly.
Takeaway: Planning and investment management are strongest when they work together, not separately.
Can a wealth management firm help with tax efficiency?
Yes. While a wealth management firm does not replace a CPA, it can help coordinate tax-aware investment decisions and asset location strategies. Placing certain investments in tax-advantaged accounts may reduce unnecessary tax drag over time.
Takeaway: Tax-aware planning helps your investments work more efficiently within your overall financial strategy.