Financial Advisor in Ohio
1.oak Financial serves Ohio through Scotty Liberatore, Legacy & Financial Specialist, who grew up in a small Ohio village and studied at The Ohio State University. The firm's planning team and Advisory Alpha's investment team work behind him to build a One of a Kind Financial Plan™ around Ohio's tax rules and your story.
Scotty Liberatore has spent more than a decade in financial services, and legacy planning is his specialty: deciding what you pass on and how it gets there. He earned a bachelor's degree in Consumer and Family Financial Services at Ohio State.
Ohio adds a local layer to retirement taxes. Many Ohio school districts levy their own income tax, and some of them tax pensions and IRA withdrawals, so two retirees with the same pension can owe different amounts depending on their address. The One of a Kind Financial Plan™ starts with your story, then works through tax strategy, retirement income, investments, long-term care and legacy with Ohio's rules in view.
Your Guide in Ohio
Investment advisory services are offered through Mike Milligan, an Investment Advisor Representative of Advisory Alpha, LLC. Scotty Liberatore is not an Investment Advisor Representative and is not licensed to provide investment advice.
The One of a Kind Financial Plan™, built for Ohio
Tax Planning
Withdrawal order, Roth conversion timing, and bracket management built around the state facts below, so more of what you saved stays yours.
Retirement Income Planning
A month-by-month income picture that answers one question: can the life you want here be paid for, for as long as you live it?
Investment Management
Portfolios managed with Advisory Alpha's investment team, held at Fidelity, Charles Schwab, and American Funds.
Long-Term Care Planning
The HALO health analysis puts numbers on the risk everyone avoids talking about, before it makes the decisions for you.
Legacy Planning
Documents, beneficiaries, and the family conversation, so what you built lands where you intend it to.
Flat Fee Planning
A comprehensive plan for a straightforward, predetermined fee, so you know exactly what you're paying and what you're receiving.
What’s different about planning in Ohio
- Ohio does not tax Social Security benefits. Pensions and IRA or 401(k) withdrawals are taxable on the state return, and starting with tax year 2026 Ohio taxes income above $26,050 at a flat 2.75%.
- Many Ohio school districts levy their own income tax. Districts on the traditional tax base tax pensions and taxable IRA withdrawals; districts on the earned-income base tax only wages and self-employment income.
- Ohio repealed its estate tax for deaths on or after January 1, 2013, so legacy planning in Ohio turns on federal estate rules, beneficiary designations and how property is titled.
State tax details current as of 2026 and subject to change; your plan is built on the rules in force when it is written, alongside your tax professional.
Ohio questions, answered plainly
Who serves Ohio for 1.oak Financial?
Scotty Liberatore, Legacy & Financial Specialist, serves Ohio families with the 1.oak planning team and the Advisory Alpha investment team behind him. Investment advisory services are offered through Mike Milligan, an Investment Advisor Representative of Advisory Alpha, LLC. The first call is complimentary.
Does Ohio tax retirement income?
Partly. Ohio does not tax Social Security, but pensions and IRA or 401(k) withdrawals are taxable on the state return, and starting in 2026 Ohio taxes income above $26,050 at a flat 2.75%. Your school district may add its own income tax on top.
Will my Ohio school district tax my pension?
That depends on the district. Districts on the traditional tax base include pensions and taxable IRA withdrawals; districts on the earned-income base tax only wages and self-employment income. The Finder, on the Ohio Department of Taxation's website, shows your school district and its tax rate from your address.
Does Ohio have an estate tax?
No. Ohio repealed its estate tax for deaths on or after January 1, 2013. Federal estate tax rules still apply, and the legacy component of your plan covers beneficiary designations, titling and what you want your legacy to mean.
