The tree looks alright, I would just remove the liverwort. You can keep it if you like but its not making a huge difference on the ecosystem of the pot. I will say it sounds like you're over watering. Use your hands, if its too wet don't water it. If you can touch the top and its wet you should check again in 12 hours. If its raining a good deal at night and your plant is getting wet, then do not water in the morning, the plant will use the rainwater and does not need extra water until the next day. Watch this video
Its short and simple but it gets to the heart of the matter.