Inevitable Wealth

Estate planning is not just for the wealthy or for retirement. In this episode, we break down what estate planning actually looks like in your 20s, 30s, 40s, 50s, and beyond. We talk about the documents and decisions that matter most at each stage of life, from wills and powers of attorney to guardianship, life insurance, beneficiary updates, tax planning, and legacy conversations. The biggest mistakes are usually not about complexity. They come from waiting too long to put a plan in place.Episode Highlights:0:00 - Introduction to estate planning at every stage of life1:13 - What to prioritize in your 20s4:16 - Do you need life insurance when you’re young?5:10 - Why estate planning gets more urgent in your 30s6:32 - Guardianship, kids, and having the hard conversations9:46 - Simplifying accounts and updating beneficiaries10:11 - Estate planning considerations in your 40s12:04 - Insurance reviews, taxes, and growing complexity15:20 - What changes in your 50s with tax and transfer planning16:31 - Planning for aging parents and avoiding costly mistakes18:11 - Step-up in cost basis explained19:47 - Estate planning priorities in your 60s and beyond22:44 - Why communication matters just as much as the documents24:04 - The real cause of most estate planning problems24:52 - Why beneficiaries can override your willLiberty One Wealth Advisors is registered as an investment adviser with the 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 in this video 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 video.

Like getting in shape, eating healthier (or really anything else in life), 'sticking to' new habits and behaviors isn't easy.And your financial goals are no different.In this video, Jacky and Guilian talk through why goals are easy to set but hard to follow through on, especially once the year gets moving and real life shows up. They explain how a goals can be constructed so they last longer, why you have to start by getting clear on where you are today, and how to build a realistic timeline based on actual cash flow.They also get into a 'big unlock' and some practical solutions to help bolster your discipline in this new year.Liberty One Wealth Advisors is registered as an investment adviser with the 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 in this video 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 video.

Welcome back to the Inevitable Wealth podcast!With 2025 in the books and 2026 fresh on the scene, the time has come to discuss a few key items to focus on, if you aren’t already.Jacky and Guilian lay out a simple approach to heading into 2026 without chasing forecasts or headlines. The goal is clarity, flexibility, and a plan that holds up no matter what the market does.They also hit four priorities: stay proactive with tax planning, tighten up estate documents and beneficiaries, keep your portfolio aligned with your timeline (not the news cycle), and make sure your cash is actually working for you instead of sitting idle.Episode Highlights:0:00 - Introduction0:52 - Taxes stay front and center2:14 - Estate planning (it’s becoming less optional)5:58 - Asset allocation needs to reflect reality8:49 - Your cash needs an actual job12:05 - Predictions for the upcoming year16:26 - The best preparation for 2026..Want to connect with Jacky or [email protected]@libertyonewealth.comInterested in Liberty One?https://libertyonewealth.com/Liberty One Wealth Advisors is registered as an investment adviser with the 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 in this video 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 video.

For most people, working with a financial advisor is part of an evolving journey. As their financial lives become more complex, they encounter different types of advisors and firm models, refining what they value and finding the right fit over time.In this episode of the Inevitable Wealth, Jacky Petit-Homme and Guilian DiLeonardo walk through what that real-world wealth management journey often looks like.We cover the most common models people experience, including insurance-first firms, workplace 401(k) providers, regional advisors, wirehouse firms, and independent RIAs. We discuss how each model works, what they do well, how incentives differ, and where limitations can appear as financial complexity increases.This isn’t about saying one firm type is “good” or “bad.” There are high-integrity advisors across every model. The goal is to help you better understand the differences so you can make more informed, intentional decisions over time.If you’ve ever asked: • What’s the difference between Edward Jones, Merrill Lynch, and an independent RIA? • Do I really have an advisor through my 401(k)?This episode is designed to bring clarity and perspective to how advisory relationships evolve.Disclosure: The views and opinions expressed are our own and provided for educational purposes only. They are not individualized financial advice.

In Episode 19 of Inevitable Wealth, Jacky and Guilian explore whether artificial intelligence is a bubble - or simply capitalism doing what it does best: evolving.They unpack how global data center spending is set to surpass $590 billion in 2025, why this AI buildout is fundamentally different from the dot-com era, and how real profits and productivity (not speculation) are driving this cycle forward.From the rise of trillion-dollar data infrastructure to the discipline required to stay invested through inevitable downturns, this episode examines how innovation, risk, and reward continue to shape the modern economy.Listen in to understand why this AI revolution is less about hype and more about the hard work of progress.

Are you within 5–10 years of retirement? This episode is your roadmap to preparing with confidence.We cover the 10 most important questions to ask before you retire—like when to claim Social Security, how to budget for healthcare, and whether your portfolio is aligned with your goals. Then, we walk through 10 practical actions you can take now to strengthen your retirement plan, from Roth conversions to stress-testing your income strategy.Key topics include: - Social Security timing and withdrawal strategies - Healthcare costs before Medicare - Investment risk and sequence-of-returns risk - Tax efficiency, Roth conversions, and estate planning - Long-term care funding options - Emotional readiness and legacy planningWhether you’re a high-net-worth professional, dual-income family, or executive approaching retirement, this checklist will help you feel prepared for the next chapter.

In this episode of Inevitable Wealth, we break down the biggest forces shaping your portfolio in 2025—from market momentum and Fed policy to sweeping tax law changes under the One Big Beautiful Bill Act (OBBBA).We cover:Why the market is rallying (and whether it’s sustainable)Jerome Powell’s next move and what it means for interest ratesHow new SALT deduction rules and tax bracket changes impact high earnersBig opportunities (and risks) as 401(k) plans open to alternative investmentsWhy we’re holding international stocks—and what that means for diversificationThe psychology of FOMO vs. fear, and how rebalancing helps you stay disciplinedWe also integrate fresh insights from Professor Jeremy Siegel, who weighs in on AI, tariffs, and earnings season—and why he still believes in the bull market.Whether you’re planning your next Roth conversion, managing business deductions, or wondering if you’ve missed the rally, this is your  guide to investing with clarity.

We’re covering four major forces shaping markets in 2025:The Fed’s Dilemma: With rates still at 4.25%–4.50% and inflation stubborn, we unpack whether cuts are really coming.Tariffs & Trade: How rising tensions could impact portfolios and global growth.Tax Sunset Prep: What high earners should be doing now before rates and exemptions change in 2026.AI: Boom or Bubble? We spotlight where real long-term value may lie—and what to avoid.Smart insights to help you invest with confidence in an uncertain year.

It’s been five years since the COVID-19 pandemic sent markets into a historic tailspin. In this episode, we take a look back at the dramatic market crash of early 2020, the rapid recovery fueled by government stimulus, and the lasting economic shifts that still shape investing today. From the initial panic and unprecedented volatility to the winners (like tech stocks and meme stocks) and losers (travel and retail), we break down the key lessons investors can take away. How has inflation, interest rates, and supply chain disruptions shaped the post-pandemic market? And what can we learn from one of the most volatile periods in market history? Tune in for a deep dive into the five-year financial aftermath of COVID-19.

Think all debt is bad or that real estate is the only smart investment? Think again! In Part 2, Jacky and Guilian break down more common money myths that might be holding you back. From the truth about debt to exploring diverse investment options, this is part two of a two-part series that will challenge your assumptions and help you make informed financial decisions. Don’t miss it!

Think all debt is bad or that real estate is the only smart investment? Think again! In this episode, Jacky and Guilian break down common money myths that might be holding you back. From the truth about debt to exploring diverse investment options, this is part one of a two-part series that will challenge your assumptions and help you make informed financial decisions. Don’t miss it!

In this episode of Inevitable Wealth, Jacky and Guilian break down the potential tax policy changes at stake in the 2024 Presidential Election and what they mean for your finances. From income tax rates and capital gains to estate planning and corporate taxes, we cover both candidates' approaches and discuss key strategies for navigating possible changes. Whether the Tax Cuts and Jobs Act sunsets or is extended, this episode offers actionable insights on how to prepare your portfolio and protect your wealth amid policy uncertainty. Tune in to stay one step ahead!

In this episode of Inevitable Wealth, Jacky and Guilian explore recent market volatility and offer strategies for investing during election years. They also delve into Warren Buffett's timeless investment principles, providing practical advice for building and preserving wealth. Whether you're a seasoned investor or just starting out, this episode is packed with insights to help you achieve inevitable wealth.Key Topics:- Market volatility- Election year investing- Warren Buffett's wisdomSources:https://www.troweprice.com/financial-intermediary/us/en/insights/articles/2024/q2/how-do-us-elections-affect-stock-market-performance.htmlhttps://www.theirrelevantinvestor.com/p/thoughts-selloffhttps://www.chase.com/personal/investments/learning-and-insights/article/election-year-investing-jitters-considerations-that-could-set-you-at-ease

In our latest episode of "Inevitable Wealth," we're clearing the air around complex financial topics for different stages of life. Join hosts Jacky Petit-Homme and Guilian DiLeonardo as they discuss the key financial strategies you should focus on in your 20s, 40s, 60s and beyond. Whether you're building a strong foundation, preparing for retirement, or planning your legacy, this episode offers valuable insights and practical advice to help you achieve financial security and prosperity. Don't miss out on this essential guide to navigating your financial journey! Tune in now on Spotify or your favorite podcast platform.

In this episode of "Inevitable Wealth," hosts Jacky Petit-Homme and Guilian DiLeonardo delve into the intricacies of investing when the market is at all-time highs.They compare Dollar Cost Averaging (DCA) and Lump Sum Investing, outlining the advantages and disadvantages of each strategy. The episode also explores a hybrid approach that combines both strategies, and emphasizes the importance of aligning investment choices with personal financial goals and risk tolerance.Join us for this insightful discussion to help you make informed investment decisions.https://investor.vanguard.com/investor-resources-education/news/lump-sum-investing-versus-cost-averaging-which-is-better

Join Certified Financial Planners Guilian DiLeonardo, CFP® and Jacky Petit-Homme, CFP® in this informative episode of "Inevitable Wealth." Delve into the fundamental pillars of financial planning as they explore the five critical questions every individual should address: What if I live? What if I die? What if I get sick? What if I get sued? Who gets my money, and how? In this insightful podcast, Guilian and Jacky provide expert insights, actionable advice, and practical strategies to help listeners navigate the complexities of financial planning and secure their wealth for the future. Whether you're a seasoned investor or just starting your financial journey, "Inevitable Wealth" offers valuable guidance to ensure your financial well-being.

Join Certified Financial Planners Guilian DiLeonardo, CFP® and Jacky Petit-Homme, CFP® in this informative episode of "Inevitable Wealth." In this insightful conversation, they delve into the impending expiration of the Tax Cuts and Jobs Act (TCJA) at the end of 2025, covering:- Changes in individual income tax rates and brackets.- Strategies for Roth conversions and tax planning.- Estate and gift tax exemptions and the importance of estate planning.- The potential impact of the 2024 election on tax policies.Stay informed and make wise financial choices as you navigate the ever-changing tax landscape.

Over the next 35 days, you may have the opportunity to make significant financial moves. Our hosts, Guilian DiLeonardo & Jacky Petit-Homme break down complex topics into actionable steps, helping you navigate the year-end financial landscape with ease.Join Jacky & Guilian as they unwrap year-end financial tips in a relaxed, easy-to-follow chat. From boosting your retirement savings to smart tax moves, this episode is your cozy guide through the financial to-dos before the New Year bells ringHighlights:✨ Max out those 401(k)s and IRAs.✨ Navigate capital gains and losses like a pro.✨ Charitable giving: good for the heart and your taxes.✨ Peek into 2024: What's new and what matters.Pour yourself a cup of something nice and tune in for insights that could save you big.

Tune into Episode 5 of Inevitable Wealth hosted by Jacky Petit-Homme & Guilian DiLeonardo.Episode five features a conversation demystifying the various types of insurance—Life, Disability, Long-Term Care, and Umbrella—and breaks down their significance and benefits for individuals and families.Are you overwhelmed by the numerous insurance options available or unsure about which insurance policies are essential for safeguarding your financial future?Jacky and Guilian discuss:Life Insurance: How to determine your coverage needs and the differences between Term Life and Whole Life insurance.Disability Insurance: The importance of income protection in case of unexpected events, and what to look for in a policy.Long-Term Care Insurance: Preparing for the costs of long-term medical care and the impact it can have on your financial plans.Umbrella Insurance: Why adding an extra layer of liability coverage can be beneficial, and in what scenarios you should consider it.Don't miss this insightful conversation that aims to simplify the often complex landscape of insurance. Tune in and arm yourself with the knowledge you need to build and protect your wealth.

Tune into Episode 4 of Inevitable Wealth hosted by Jacky Petit-Homme & Guilian DiLeonardo.In this episode, we delve into frequently asked questions for advisors and shed light on the disparity between the lower suitability standard adhered to by many institutions and the higher fiduciary standard upheld by RIAs like Liberty One Wealth. "Are you a fiduciary?"

Tune into episode three of Inevitable Wealth hosted by Jacky Petit-Homme & Guilian DiLeonardo. This episode features a conversation around the debt ceiling negotiations.Is it time to prepare your portfolio for a U.S. government default?

Tune into episode #2 of Inevitable Wealth hosted by Jacky Petit-Homme & Guilian DiLeonardo. Episode two features a conversation around the recent WSJ Article "Fidelity and State Street Push to Make 401(k)s More Like Pensions".Would this be a good fit for your financial plan and investment strategy?

Tune into episode #1 of Inevitable Wealth. In this episode, Guilian & Jacky provide insight around recent headlines surrounding Silicon Valley bank and the government response.