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Adam Koós Adam D. Koós, CFP®, CMT, CEPA

Born during the “Blizzard of ’78’ in Oberlin, Ohio, Adam Koós inherited a mix of Hungarian (his father was born in Györ, Hungary), Irish, and German from his parents, Kim and Stephen Koós. While it looks nothing like it sounds, his last name is actually pronounced kōsh, as in “kosher dill pickles.”

The oldest of four, Adam grew up absorbing the power of deep, meaningful Relationships that his father fostered in his optometry practice. This early exposure to entrepreneurialism sparked his desire to one day own a business where he could significantly impact others’ lives.

In 1996, Adam moved to Columbus for college at The Ohio State University, where he met his future wife, Donna. The couple tied the knot in 2003 and now enjoy life with their two wonderful sons, Karston & Kamden. Besides being a devoted Family man, Adam is a passionate car enthusiast and a sports fanatic and is a proud season ticket holder for both Ohio State Football as well as the Cleveland Browns.

Adam’s professional journey began just 10 days before the tragic attack on the World Trade Center in 2001. This timing allowed him to guide his clients through four of the worst market crashes in U.S. history.

He holds several high-ranking certifications, such as the Certified Financial Planner® (CFP), Chartered Market Technician® (CMT), Certified Financial Technician (CFTe), and Certified Exit Planning Advisor (CEPA). He’s also been recognized locally and nationally in publications such as The Wall Street Journal, MarketWatch, Investopedia, Seeking Alpha, FA Magazine, and Proactive Advisor Magazine, just to name a few.

At Libertas Wealth Management Group, Adam utilizes his expertise, focusing on two main areas:

Career professionals who have an interest in utilizing a variety of Retirement, tax, insurance, and Estate planning tools to make work optional — and stay retired.

Business owners and CEOs interested in transitioning their businesses into more profitable, efficient, and Lifestyle-friendly companies with plans to eventually (or immediately) exit, and…

In addition to his financial advisory role, Adam is an accomplished speaker, writer, and educator. He regularly contributes to numerous financial publications and offers financial planning classes and workshops. His dedication to sharing knowledge stems from his family’s background in teaching.

Through these endeavors, Adam continues to make a significant impact on the lives of others, fulfilling the vision he nurtured from a young age, watching his father and absorbing the lessons he was taught about attitude and ethics, and using his knowledge to provide authentic advice, treating clients as if they were his own family.

Recent Content

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What Your Dad Got Wrong About Money (And What You Should Do Instead) &Raquo; Libertas Trf Podcast Cover Art
What Your Dad Got Wrong About Money (and What You Should Do Instead)

Happy Father's Day! Adam walks through the Money lessons a lot of us picked up from our dads and grandfathers. The advice came from a good place and from real experience. The trouble is that the world…

Happy Father's Day! …

Happy Father's Day! Adam walks through the money lessons a lot of us picked up from our dads and grandfathers. The advice came from a good place and from real experience. The trouble is that the world they lived in looked almost nothing like the one we are retiring into now. Pensions are mostly gone, people are living longer, healthcare costs keep climbing, and the tax code is more complicated than it has ever been. Adam goes through the old rules one at a time. Cash is king. All debt is bad. Never touch the principal. Social Security has you covered. The stock market is a casino. He explains …

Listen · 9:03
What Your Dad Got Wrong About Money &Raquo; Libertas Trf Podcast Cover Art
What Your Dad Got Wrong About Money

Happy Father’s Day! Adam walks through the money lessons a lot of us picked up from our dads and grandfathers. The advice came from a good place and from real experience. The trouble is that the wo…

Happy Father’s Day…

Happy Father’s Day! Adam walks through the money lessons a lot of us picked up from our dads and grandfathers. The advice came from a good place and from real experience. The trouble is that the world they lived in looked almost nothing like the one we are retiring into now. Pensions are mostly gone, people are living longer, healthcare costs keep climbing, and the tax code is more complicated than it has ever been. Adam goes through the old rules one at a time. Cash is king. All debt is bad. Never touch the principal. Social Security has you covered. The stock market is a casino. He expla…

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Estate Documents &Amp; Financial Planners &Raquo; Libertas Trf Podcast Cover Art
Estate Documents & Financial Planners

Quick question for advisors. When did you last ask a client, "Has anything changed with your estate documents?" You're a financial advisor and your client just told you their estate plan ha…

Quick question for a…

Quick question for advisors. When did you last ask a client, "Has anything changed with your estate documents?" You're a financial advisor and your client just told you their estate plan hasn't been updated since their first Marriage. New episode of The Retirement Fiduciary just dropped. Adam talks to wealth dispute attorney Kelly Lise Murray break down the real cases that end in court, and what advisors can do to help clients avoid them. Blended families. Misused trusts. An $800K tax filing error. A prenup written by the husband. All of it, in one episode. Episode available now…

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The Owner Dependency Trap: How To Build A Business That Runs Without You &Raquo; Libertas Trf Podcast Cover Art
The Owner Dependency Trap: How to Build a Business That Runs Without You

Most business owners will tell you they built their company for freedom. But somewhere along the way, the business stops working without them in it. It becomes something they can't step away from, can…

Most business owners…

Most business owners will tell you they built their company for freedom. But somewhere along the way, the business stops working without them in it. It becomes something they can't step away from, can't sell, and can't scale past their own bandwidth. In this episode of The Retirement Fiduciary, Adam Koos, sits down with Tiffany Helton, operational scaling and profit strategy expert at Cultivate Advisors, to talk about what founder dependency actually costs, how to build a business that runs without you, and why exit planning is really just good business strategy, no matter how far out your tim…

Listen · 41:28 Watch Now
How To Make Sure Your Estate Plan Doesn’t Fail &Raquo; Black Suit Smile Close Up Headshot
How to Make Sure Your Estate Plan Doesn’t Fail

At Libertas Wealth Management Group, we believe financial planning is not just about growing wealth. It is also about protecting the people, assets, and intentions behind that wealth. Adam Koós recen…

At Libertas Wealth M…

At Libertas Wealth Management Group, we believe financial planning is not just about growing wealth. It is also about protecting the people, assets, and intentions behind that wealth. Adam Koós recently sat down with Professor Kelly Lise Murray, a lawyer, mediator, legal scholar, and host of the Wealth Litigated Podcast. After nearly two decades teaching law at Vanderbilt University… Source

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Insurance Blind Spots, Scam Red Flags, And Financial Readiness &Raquo; Libertas Trf Podcast Cover Art
Insurance Blind Spots, Scam Red Flags, and Financial Readiness

Most people don't think about financial risk until something goes wrong. A policy lapses. A parent sends 00,000 to a scammer. A spouse passes away and no one can find the documents. In this episode of…

Most people don't th…

Most people don't think about financial risk until something goes wrong. A policy lapses. A parent sends 00,000 to a scammer. A spouse passes away and no one can find the documents. In this episode of The Retirement Fiduciary, Adam Koós, sits down with Tony Steuer, financial readiness advocate, award-winning author, and host of the podcast Get Ready Before Life Happens. Tony brings 30+ years of insurance and financial literacy experience to the conversation. Together, they dig into the most overlooked risks families face, the truth about cash value life insurance (and why it's almost never wh…

Listen · 39:52 Watch Now
The Biggest Retirement Plan Mistake &Raquo; Libertas Trf Podcast Cover Art
The Biggest Retirement Plan Mistake

The worst retirement plans assume life will move in a straight line. In this clip from Why Most Retirement Plans Fail on The Retirement Fiduciary Podcast, Adam explains why that kind of thinking can …

The worst retirement…

The worst retirement plans assume life will move in a straight line. In this clip from Why Most Retirement Plans Fail on The Retirement Fiduciary Podcast, Adam explains why that kind of thinking can quietly break a retirement plan. Health changes. Priorities shift. Family dynamics evolve. Markets do not deliver the same return year after year either. Here’s what this means: Retirement Planning cannot be built on static assumptions. A strong plan needs flexibility. It should be designed to adapt as your life changes and as market conditions change. That is why good retirement planning is n…

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How To Make Sure Your Estate Plan Doesn'T Fail: Real Cases, Real Consequences With Kelly Lise Murray &Raquo; Libertas Trf Podcast Cover Art
How to Make Sure Your Estate Plan Doesn't Fail: Real Cases, Real Consequences with Kelly Lise Murray

Most families spend years building wealth. Far fewer spend time making sure the legal structures protecting that wealth are actually doing their job. In this episode, Adam Koós,sits down with Profess…

Most families spend …

Most families spend years building wealth. Far fewer spend time making sure the legal structures protecting that wealth are actually doing their job. In this episode, Adam Koós,sits down with Professor Kelly Lise Murray, a lawyer, mediator, and legal scholar who spent nearly two decades at Vanderbilt University before turning her focus to wealth dispute resolution. Kelly hosts the Wealth Litigated podcast, where she breaks down real courtroom cases involving trusts, estates, and family wealth disputes. Together, Adam and Kelly walk through real litigated cases involving blended families, irre…

Listen · 38:44 Watch Now
If Investing Feels Easy You'Re Doing It Wrong &Raquo; Libertas Trf Podcast Cover Art
If Investing Feels Easy You’re Doing It Wrong

Retirement planning doesn't always feel exciting. In this episode of The Retirement Fiduciary Podcast, Adam explains why Investing based on ego, headlines, or the urge to “shoot the lights out” c…

Retirement planning …

Retirement planning doesn't always feel exciting. In this episode of The Retirement Fiduciary Podcast, Adam explains why investing based on ego, headlines, or the urge to “shoot the lights out” can create the wrong kind of risk, especially as retirement gets closer. The real goal is not chasing excitement. It is building a plan that is steady, understandable, and designed to support your life. He also explains an important truth: there is risk everywhere. Market risk is only one kind. Inflation, liquidity, Longevity, and behavioral mistakes can all do damage when they are ignored. That i…

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How Business Owners Can Avoid Bad Hires And Build Stronger Teams With William Sprengler &Raquo; Libertas Trf Podcast Cover Art
How Business Owners Can Avoid Bad Hires and Build Stronger Teams with William Sprengler

Hiring is one of the hardest parts of building a successful advisory firm. In this episode of The Retirement Fiduciary, Adam Koós sits down with William Spengler, founder of Frederick Fox, to talk ab…

Hiring is one of the…

Hiring is one of the hardest parts of building a successful advisory firm. In this episode of The Retirement Fiduciary, Adam Koós sits down with William Spengler, founder of Frederick Fox, to talk about what actually leads to better hiring outcomes, stronger teams, and healthier long-term Growth. Will shares what he's learned from building a fast-growing recruiting firm and explains where many companies go wrong in the hiring process. This conversation covers interviewing mistakes, compensation expectations, onboarding, retention, and the leadership habits that help firms attract and keep gre…

Listen · 23:51 Watch Now
2Q2026 Scouting Report | Market Outlook &Amp; Investment Trends &Raquo; Libertas Trf Podcast Cover Art
2Q2026 Scouting Report | Market Outlook & Investment Trends

In this quarter’s Scouting Report, Adam D. Koós, CFP®, CMT®, CFTe, CEPA - President and Senior Portfolio Manager at Libertas Wealth - walks through the key market trends shaping the second quarte…

In this quarter’s …

In this quarter’s Scouting Report, Adam D. Koós, CFP®, CMT®, CFTe, CEPA - President and Senior Portfolio Manager at Libertas Wealth - walks through the key market trends shaping the second quarter of 2026. From stock market momentum to international opportunities, commodities, and investor sentiment, this update breaks down what investors should be watching right now. You’ll learn: 📊 What the S&P 500 and small-cap trends are signaling about market momentum 🌎 Why international stocks may be positioned to outperform after years of lagging the U.S. 💵 How the weakening U.S. d…

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