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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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2026 Halftime Update &Raquo; Libertas Trf Podcast Cover Art
2026 Halftime Update

Halftime Update 2026: Stocks Consolidate Near Highs, Dollar Strength, Bonds Struggle & Crypto Weakness In this Halftime Update 2026, Adam Koós reviews key market trends and risk signals. The S&a…

Halftime Update 2026…

Halftime Update 2026: Stocks Consolidate Near Highs, Dollar Strength, Bonds Struggle & Crypto Weakness In this Halftime Update 2026, Adam Koós reviews key market trends and risk signals. The S&P 500 remains in a long-term uptrend with a potential triangle consolidation, while small caps look strong after a breakout. International stocks rank highly but face a potential headwind from a strengthening U.S. dollar. Bonds—especially long-term Treasuries—remain weak amid Fed rate-hike talk, while convertible bonds stand out. Commodities show gold and silver below key trend levels, and …

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What You Should Do Instead #Shorts &Raquo; Libertas Trf Podcast Cover Art
What you should do instead #shorts

A lot of us inherited a fear of the stock market. Maybe Dad or Grandpa lost Money in 1987, or the dot-com bust, or 2008. That scar became a story, and the story became the family’s whole money phil…

A lot of us inherite…

A lot of us inherited a fear of the stock market. Maybe Dad or Grandpa lost money in 1987, or the dot-com bust, or 2008. That scar became a story, and the story became the family’s whole money philosophy. Over the long run, the market has been the most reliable wealth-building engine we have. The real danger is a portfolio with no plan for the down years. That is exactly where a fiduciary earns their keep. Listen to Adam talk about What Your Dad Got Wrong About Money and what you should do instead on Apple, Spotify, YouTube or wherever you get your podcasts.

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The Worst Insurance - Lirps #Shorts &Raquo; Libertas Trf Podcast Cover Art
The worst insurance – LIRPS #shorts

In the latest episode of The Retirement Fiduciary, Adam sits down with Tony Steuer, financial readiness advocate and award-winning author, to talk about the risks that don't show up on a portfolio sta…

In the latest episod…

In the latest episode of The Retirement Fiduciary, Adam sits down with Tony Steuer, financial readiness advocate and award-winning author, to talk about the risks that don't show up on a portfolio statement. Tony shares tips on how you can avoid falling for the most common scams out there today. Including how AI is now being used to build highly personalized scams using your real name, reservation numbers, and even cloned family members' voices, and what you can do to avoid falling for it. Full episode is available now on Apple, Spotify, YouTube, or wherever you get your podcasts. #Retiremen…

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&Quot;Grind 60-70 Hours A Week&Quot; Became A Badge Of Honor. #Shorts &Raquo; Libertas Trf Podcast Cover Art
"grind 60-70 hours a week" became a badge of honor. #shorts

Somewhere along the way, "grind 60-70 hours a week" became a badge of honor. But here's the irony Tiffany Helton points out. Most of us became entrepreneurs for freedom. And when we finally…

Somewhere along the …

Somewhere along the way, "grind 60-70 hours a week" became a badge of honor. But here's the irony Tiffany Helton points out. Most of us became entrepreneurs for freedom. And when we finally get it, we don't even know what to do with ourselves. This is a quick gut check for anyone still wearing the busy as proof they're doing it right. Check out this episode on Apple, Spotify, YouTube or wherever you get your podcasts. #TheRetirementFiduciary #AdamKoos #LibertasWealth #BusinessOwner #OwnerFreedom #Entrepreneurship

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Financial Readiness: The Insurance Mistakes, Scam Red Flags, And Planning Gaps Most Families Overlook &Raquo; Black Suit Smile Close Up Headshot
Financial Readiness: The Insurance Mistakes, Scam Red Flags, and Planning Gaps Most Families Overlook

Most people think financial planning is primarily about growing wealth. While that’s certainly part of the equation, some of the biggest threats to a family’s long-term financial success have very…

Most people think fi…

Most people think financial planning is primarily about growing wealth. While that’s certainly part of the equation, some of the biggest threats to a family’s long-term financial success have very little to do with investment returns. A disability. An underfunded insurance policy. An outdated beneficiary designation. A successful scam. A spouse who suddenly needs access to financial accounts but… Source

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Your Business May Be Growing, But Is It Actually Becoming More Valuable? &Raquo; Black Suit Smile Close Up Headshot
Your Business May Be Growing, But Is It Actually Becoming More Valuable?

Most business owners spend years focused on Growth. More customers. More employees. More revenue. More locations. More opportunities. Those are all worthwhile pursuits. After all, businesses are built…

Most business owners…

Most business owners spend years focused on growth. More customers. More employees. More revenue. More locations. More opportunities. Those are all worthwhile pursuits. After all, businesses are built to grow. But one of the more interesting realities I’ve discovered while working with business owners is that growth and value are not always the same thing. In fact, some businesses become larger… Source

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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…

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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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