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.

Allen Gibson

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.

Vic Williams 

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.

Short answer…
Keep investment costs low, diversify, rebalance regularly and be smart about taxes.

Long answer…
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.

NEVER.

Financial Planning

Financial Planning

Financial planning can be messy and overwhelming. We help busy and successful people simplify and organize their financial lives. We work with clients to sort out complicated financial situations and develop a living, breathing roadmap to help them meet their financial goals. We collaborate with our clients to help them develop a comprehensive, personalized financial plan based on their situation and needs. We focus on what can be controlled and work to help you achieve all of your financial wants and needs. At its core, financial planning is connecting your money to your life.

Protection Planning

Have you ever had a conversation about insurance with someone other than an insurance sales person? What is Life Insurance really for? What is the proper amount to have? We'll walk you through and help answer these questions and similar ones about long-term care insurance, disability coverage, life insurance, healthcare, flexible spending plans, and liability coverage. We don’t sell insurance but we can help you understand your needs and your coverage options. When we make suggestions you’ll know that it’s not influenced by commissions. We analyze and evaluate your life, disability and long-term care insurance needs and help you determine if you have enough, too much or the right types.

Philanthropy, Tax & Estate Planning

Understanding the complexities of the current tax and estate planning laws and how your assets may be taxed both during your life and at your death is imperative to an effective financial plan. You may also want to gift assets to loved ones, charities or religious organizations in a tax efficient manner. We collaborate with your existing tax and legal team to develop tax, estate and gifting strategies to help you reduce taxes and make sure your assets end up in the right hands.     

If you don’t have existing tax advisors or legal counsel, we can introduce you to a CPA and a team of board-certified estate planning attorneys to advise on taxes, wills, trusts, guardianships, business planning, advanced directives and blended families.

Personal Trust Services

Comprehensive financial planning, at its core, is planning for the future. When it comes to helping protect and manage your assets, a trust may be one of the best, most flexible tools available. Trusts aren’t just for the very old or the very wealthy. In fact, considering a trust can be important for anyone with substantial assets or who may receive substantial death benefits. We’ll examine both the financial and legal elements of estate planning, including: wills, power of attorney, advanced directives, trusts, and beneficiary designations.

 

Investment Management

Investment Philosophy

Our investment approach is based on asset allocation and Modern Portfolio Theory for which Harry Markowitz won a Nobel Prize in Economics. The core tenet is disciplined diversification with regular rebalancing. At Gibson Wealth Advisors, we follow this theory and typically use low-cost, tax-efficient exchange-traded funds and/or mutual funds. We keep investment costs low and harvest tax-losses when appropriate.  We do not recommend complicated, non-transparent, highly leveraged investments with commissions or surrender charges.  We always provide transparency of fees and disclose any potential conflicts of interest. 

We cannot predict, influence or control the financial markets, nor will we insult your intelligence by insinuating that we can. We don’t try to time the markets, engage in short-term, speculative trading or give hot tips. People interested in those kinds of advisors will be disappointed with us.

Behavioral Coaching

Our brains are hard-wired to react first and think second. This benefited the caveman greatly. Didn’t want to miss lunch, didn’t want to be lunch. But reacting first and thinking later is a disadvantage to investors. When we see that our account values have declined or we hear the latest media-driven, end-of-the-world hysteria, we want to sell immediately. As a result, the average investor typically underperforms their own investments. 

So, how do you respond to market volatility? Do you want to buy when the market is soaring and sell when it’s falling? Do you spend too much relative to your resources?  We not only help you set realistic expectations for the volatility of your portfolio, but we serve as a guide when you need reassurance to stay the course. Volatility is a common, albeit, uncomfortable part of investing. Understanding the normal range of positive and negative returns for your portfolio helps you manage your reactions better.  

 

Our Team

Allen Gibson, CFP®, ChFC®, CRPC®, CLTC, CDFA™, CEP®, BFA®

Vic Williams, CRPC®

Jake

Chief Morale Officer

Media

 

 

This commentary on this blog reflects the personal opinions, viewpoints and analyses of the Gibson Wealth Advisors, LLC employees providing such comments, and should not be regarded as a description of advisory services provided by Gibson Wealth Advisors, LLC or performance returns of any Gibson Wealth Advisors, LLC Investments client. The views reflected in the commentary are subject to change at any time without notice. Nothing on this website constitutes investment advice, performance data or any recommendation that any particular security, portfolio of securities, transaction or investment strategy is suitable for any specific person. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. Gibson Wealth Advisors, LLC manages its clients’ accounts using a variety of investment techniques and strategies, which are not necessarily discussed in the commentary. Investments in securities involve the risk of loss. Past performance is no guarantee of future results.

Contact

Our home bases are in the Dallas, Texas and Tyler, Texas areas. However, as a virtual practice, we work with clients throughout Texas and across the United States

Schedule a Complimentary Call

 

Phone

888.888.1235

Email

inquiry@gibsonwealthadvisors.com

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14785 Preston Road, Ste 590 Dallas, TX 75254

641 South Broadway Suite 2 Tyler, TX 75701