Honest, Straightforward Financial Guidance
“Simplicity is the ultimate sophistication”
– Leonardo Da Vinci
Frequently Asked Questions
Gibson Wealth Advisors, LLC is a Registered Investment Advisory firm, which means that its advisors are held to a fiduciary standard. Also, by virtue of being a Certified Financial Planner professional, Allen is held to a fiduciary standard. Being a fiduciary means that we are required to place our client’s interests above our own. A fiduciary standard is a higher standard than that of the suitability standard used by most brokers.
Private Wealth Advisor (1991-present).
CFP® - Certified Financial Planner Practitioner®.
CEP® - Certified Estate Planner®.
ChFC® - Chartered Financial Consultant®.
ChFC® - Chartered Retirement Planning Counselor®.
CDFA™ - Chartered Divorce Financial Analyst™.
CLTC - Certificate in Long-Term Care™.
BFA® - Behavioral Financial Advisor.
Bachelor of Business Administration, finance, University of Texas at Arlington.
Ed Slott’s Master Elite IRA Advisor.
Financial Advisor (2000-present).
Chartered Financial Planning Consultant®.
Bachelor of Science, Mathematics, Northeastern State University.
Financial Advisor – Edward Jones (2000 – 2002).
Mathematics Teacher/Basketball Coach (1990-2000)
We offer fee-only comprehensive financial planning and wealth management services. This includes advice related to investments, retirement, insurance and estate planning. We also collaborate with your existing team of advisors (attorneys, CPA’s, etc.) If you do not have those existing relationships, we can bring in those professionals.
What would you think if a doctor gave you a prescription or recommended surgery without first examining you, understanding your medical history and what medications that you are currently taking?
We do not believe in recommending investments without first developing a road map for your financial goals. This involves understanding your current financial situation (assets, liabilities, income and expenses) and the goals that you have set for yourself and your family. Financial planning is an ongoing process of setting goals, organizing your finances, developing and implementing strategies and regularly reviewing progress and making adjustments.
Keep investment costs low, diversify, rebalance regularly and be smart about taxes.
Markets go up and markets go down, sometimes violently. Sometimes they stay down for months at a time. No one can time, predict, influence or control them and we don’t insult your intelligence by suggesting that we can or that we will try. Beware of those who do.
Volatility is an uncomfortable, albeit normal part of investing and a large part of our job is helping you understand and cope with that volatility. The two biggest determinants of long term investment performance are behavior (how we respond to good and bad volatility) and asset allocation (how your money is diversified).
We typically use low-cost, tax-efficient, Vanguard Exchange Traded Funds (ETF’s) in our portfolios and rebalance them on a regular basis and harvest tax-losses when appropriate.We invest for the long-term, for total return (growth and income) and believe in diversification and asset allocation. Market timers and Jim Cramer followers will hate us for not being reactionary. Gold bugs will hate our unwavering optimism in the future.
We don’t recommend investments that are complex, illiquid, lack transparency, have surrender penalties, high fees/commissions and/or lot of leverage (debt). So that typically eliminates annuities, Real Estate Investment Trusts (REITs), Master Limited Partnerships (MLPs), Business Development Companies (BDCs), Managed Futures and alternative investments.
- Young Professionals
- Busy Boomers
- Executives & Entrepreneurs
When people should call us
- Planning for retirement or job changes.
- Wedding bells or births
- Suddenly single – death or divorce
- Sudden wealth – sale of business, inheritance
- Divorce planning – before or after
- Advanced retirement strategies
- Estate Planning, Charitable Giving & Trust Services
Your advisory team will be Allen & Vic. We operate much like a doctor and physician’s assistant. Allen does most of the face-to-face meetings and Vic does most of the phone calls and behind-the-scenes work.
We like to have regularly scheduled meetings, customized to meet your needs. Some clients want to meet more often than others. Some monthly, quarterly, semi-annually & some just annually.
We don’t contact our clients each time the market hiccups, which is often…nor each time the media has a new crisis, which is even more often. That said, much like your relationship with your doctor, please contact us anytime you have concerns, questions, fears or you want to get together. Vic handles calls when Allen is meeting with clients.
We can meet in person, by phone or web for your convenience.
It depends on the complexity of your situation and/or the level of services provided. We are fee only and normally charge an annual percentage based on assets managed. In some cases we may charge an annual retainer. All fees will be discussed and agreed upon when recommendations are made.
We work directly for our clients, not a brokerage firm or a bank. We do not receive any incentives or commissions from anyone. We do not have any proprietary products.