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As Benjamin Franklin once said,

 "If you fail to plan,
you are planning to fail."

We help busy, successful people organize, simplify, and 

plan their financial lives.



The majority of our clients are age 50 or older and are nearing or already in retirement.   


They understand that true wealth is having control of their time so they can

spend it with the people and activities that are important to them.  


 They prefer to delegate the majority of their financial 

matters to a team of trusted advisors.


They understand that comprehensive planning is more valuable than 

attempting to predict the future.


They want to know that their spouse and family will be in great hands 

after they are gone.

"The four most expensive words in investing language are “this time is different.”

Sir John Templeton - philanthropist, investor, billionaire

Our Process


Step 1

Mapping your situation

We start by creating a simplified visual that displays your financial situation...your assets, incomes, who is important to you, what resources will be available, both now and in the future, to use towards your financial goals.   An intuitive overview that will provide clarity and can help you make more informed decisions about your future.




Step 2

Financial Planning

  • We help clients prepare for retirement, college funding, major purchases and plan for the curveballs that life throws at us.
  • We can illustrate  tax-efficient withdrawal strategies for retirement plan distributions for living expenses or Roth IRA conversions.
  • We can show clients how to maximize their Social Security benefits and understand the impact of those decisions on Medicare.



Our team.

Allen Gibson Photo Allen Gibson Hover Photo

Allen Gibson

President & Chief Compliance Officer
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Allen Gibson, CFP® ,CEP®, CHfc®, crpc®, cdfa®, cltc®, bfa®, NSSA®, RSSA®

President & chief compliance officer


In 2016, after spending 25 years with the world’s leading financial planning company, I founded Gibson Wealth Advisors, LLC.   As a fee-only, Registered Investment Advisory firm, we work directly for our clients, not for a brokerage firm or corporation, and we're held to a fiduciary standard.    That means that we are required to act in our client's best interests.   We do not have any products to sell and we never receive commissions, referral fees, bonuses, trips or other incentives from third-party any corporations.    We get paid for providing financial advice, not for selling things.

I received a BBA in finance from the University of Texas at Arlington and joined Ameriprise soon after.  

A BIT ABOUT ME

On a personal note, my wife’s name is Dede and our son is Kylar. We have two dogs, Molly the goldendoodle and Maggie, the sheepadoodle.  My family and I enjoy traveling together, especially when it involves mountains and water.

My Professional Designations

We believe that ongoing education is important to be able to stay proficient and be able to provide value to our clients.   Click on any of the designations to learn more about each one.

Ed Slott's Elite IRA Advisor GroupSM.   Members of Ed Slott's Elite IRA Advisor GroupSM train with Ed Slott and his team of IRA Experts on a continuous basis. These advisors passed a background check, complete requisite training, attend semiannual workshops, webinars, and complete mandatory exams. They are immediately notified of changes to the tax code and updates on retirement planning, so you can be sure your retirement dollars are safe from unnecessary taxes and fees. Additionally, members have access to us, America’s IRA Experts to answer any tough questions or planning needs.

CFP® - Certified Financial Planner Practitioner®.  This certification is the standard of excellence in financial planning. CFP® professionals meet rigorous education, training and ethical standards, and are committed to serving their clients' best interests today to prepare them for a more secure tomorrow.   The certification is a formal recognition of expertise in the areas of financial planning, taxes, insurance, estate planning, and retirement.

RSSA® - Registered Social Security Analyst®  -  Registered Social Security Analysts have passed a comprehensive training curriculum and examination that is approved for professional educational by the National Association of State Boards of Accountancy, the Internal Revenue Service, and the Certified Financial Planner Board of Standards.

CEP® - Certified Estate Planner®  -  A CEP® has completed a rigorous course of instruction in the field of estate planning, successfully passed a comprehensive examination process, shown a desire to associate with professional estate planning peers, agreed to comply with annual estate planning continuing education requirements, and ascribed to the practical guidelines and code of ethics of the NICEP.

ChFC® - Chartered Financial Consultant®   Advanced financial planning for every person and every need: that’s the credo of the Chartered Financial Consultant® (ChFC®) designation. The ChFC® program covers a must-have list of requirements for financial advisors, from knowledge on tax and retirement planning to special needs advising, wealth management, insurance, and more.

CRPC® - Chartered Retirement Planning Counselor® The CRPC® helps financial advisors by guiding them through specialized tax and estate objectives and strategies for a retiree and presents the unique financial and emotional aspects of financial planning that are unique to the retirement process.

CDFA™ - Chartered Divorce Financial Analyst™  provides specialized training to accounting, financial, and legal professionals in the field of pre-divorce/divorce financial planning. 

CLTC® - Certificate in Long-Term Care™   Educates professionals in the fields of insurance, financial services, law and accounting about the severe consequences a need for care over an extended period of years would have, on their client as well as the emotional, physical and financial wellbeing of those the client loves. 

BFA® - Behavioral Financial Advisor combines psychology and neuroscience with traditional financial practices. The BFA curriculum, is designed to equip advisors with tools and training to further help their clients make sound financial decisions, maintain emotional competency and achieve their financial goals.

NSSA® - National Social Security Association.  The NSSA® Certificate Program, in conjunction with adherence to their standards of excellence, continuing education, and access to ongoing support, enables those who earn the Certificate to perpetually stay at the top of their game for Social Security consulting.

Certificate in Blockchain and Digital Assets℠  - The only program designed for financial professionals to learn about blockchain technology and digital assets. Graduates of this program have the essential knowledge about this emerging ecosystem.     

WE DO NOT RECOMMEND DIGITAL ASSETS FOR OUR CLIENTS.


Vic Williams Photo

Vic Williams

Associate Advisor
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Vic Williams, CRPC®, NSSA®

vice president


I’ve worked with Allen since joining his team at Ameriprise in 2002. Today, I serve as an advisor dedicated to helping Allen put his clients on a path toward financial well-being. Previously, I worked as a broker at Edward Jones from 2000 until 2002.

I graduated with a BS in math education from Northeastern State University in 1988. From there, I taught math and coached basketball from 1989 until 2000.

I currently hold a Chartered Retirement Planning Counselor® and National Social Security Association® designation.

A Bit About Me

On a personal note, my wife Darla and I have three children. Our oldest son, Seth, is in med school, our son Elijah is in college and our daughter, Carter, is in high school. 

CRPC® - Chartered Retirement Planning Counselor®

This designation has prepared me to advise and assist in your retirement planning strategies.  

NSSA® - National Social Security Association

My NSSA® designaton allows me to help our clients understand and maximize their Social Security benefits.

Raymond W. Cozby, III, JD Photo

Raymond W. Cozby, III, JD

Attorney
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Ray founded Raymond W. Cozby III Law PLLC and Texas Private Trust after spending over 20 years as a trust officer at two of the larger regional banks.     Ray has a Bachelor of Arts degree in geology from the University of Texas at Austin and attended law school at Texas Tech University.   Ray's firm specializes in providing independent trust administration, executor services, and guardianships.

Maggie, TLC Photo

Maggie, TLC

Chief Morale Officer
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Maggie, TLC®

Chief Morale Officer


Maggie joined our team in 2016. She is responsible for keeping morale high and reminding people that it's the simple things in life that mean the most. She has a knack for not letting life's day-to-day stresses get to her. Maggie knows that life is more about how we react to events than the events themselves. In her free time, she enjoys chasing anything that will run from her and violating everyone's personal space.

We Work Hard for Those Who’ve Always Worked Hard



Pre-Retirees & Retirees

Men and women nearing retirement face a wide variety of financial challenges, but they all have one question in mind: “Will I have enough?” We help those who are nearing or entering retirement settle on the right strategies and solutions to meet their comfort level and individual needs. And while you might not consider yourself “rich,” we know you’ve spent your working years spending frugally and saving diligently.


Entrepreneurs & Professionals

We work with entrepreneurs and business professionals who’ve achieved significant financial success while staying focused on strategic saving. You’ve spent years building up your business or focusing on your career, now’s the time to ensure your finances work as hard as you do today and toward retirement.


High-Net-Worth Individuals

Our perfect idea of a high-net-worth individual is the humble family man or woman who understands the value of hard work. Instead of sporting exotic cars or flashy mansions, you’ve built a safety net for your family’s future to ensure they can maintain a comfortable lifestyle into retirement.

We’ll Build a Simple Path To Help Navigate Your Financial Future


Step 1

Organize

We’ll learn the ins and outs of your current financial picture. We ask that you bring important documents to our initial meeting to help us determine how we may best be able to assist you.

Step 2

Strategize

Using the information you’ve provided us, we’ll develop a realistic roadmap designed to help you achieve your goals. While we don’t claim to be genies, we’ll work hard to check what we can off your wishlist.


Step 3

Take Action

Once you’re comfortable with the strategies and solutions we’ve presented, we’ll implement your financial plan. Keeping your comfort level in mind, we’ll take actionable steps toward establishing your financial well-being.

Step 4

Review

Our job doesn’t end once your plan is put into motion. Our hope is to develop an ongoing relationship together as we continuously monitor, review and adjust your strategies as needed.

"The Stock Market Is a Device To Transfer Money From The ‘Impatient’ To The ‘Patient’."

Warren Buffett, billionaire investor & philanthropist.

We don't get paid to sell financial or insurance products, 

we get paid for financial advice






How Can We Work Together?

We're not the most expensive and you don't want to trust your life savings with the cheapest.    We offer three ways to work together.    

A Financial Plan - We work with you to create a personalized, comprehensive, financial plan and then you research and manage the investments, insurances, taxes and estate planning yourself.   This approach is typically more suited for the do-it-yourself types.    

Ongoing, Comprehensive Financial Planning & Wealth Management - In addition to creating your personalized, comprehensive, financial plan, as above, we take care of the implementation as well.    This may include, but not limited to, investment management; retirement income planning; integrated tax planning & preparation, Medicare, healthcare & insurance consulting; Social Security claiming strategies; estate planning (including wills/trusts & advanced directives).   

This includes education, ongoing monitoring, accountability and adjustments when appropriate.   This approach is more suited for those who embrace the value of delegating to a team of trusted advisors, so they can spend their time with the people and activities that are most important to them.

Hourly - You engage us on a transactional basis to provide answers to your questions as they arise. 

Our fees are based on the complexity of your situation, the scope of engagement and the value of the services provided.    

The best way for us to determine if we're a great fit is to have a conversation.

"The only function of economic forecasting

is to make astrology look respectable."

John Kenneth Galbraith, economist.

Questions to ask Advisors

1. Do you work directly for your clients or are you a representative of a brokerage firm (Series 7 licensed) or an insurance company?    (We work directly for you)

2. Do you receive commissions for selling insurance, annuities or other financial products?   (We do not)

3. Do you receive commissions, trips or bonuses of any kind, based on sales or production?   (We do not)

4. Do you offer the following services?   (We do)

  • Comprehensive financial planning
  • Creation of wills, trusts, financial/health care powers of attorney*
  • Personalized analysis and recommendations for health care and Medicare
  • Coordination with independent insurance brokers
  • Integrated tax planning, preparation and filing*
  • Social Security optimization
  • Ongoing investment management, asset allocation and rebalancing
  • Trust administration*

5.  What professional designations do you have?  (We have the following.)

6.  Are you a fee-only, fiduciary advisor...required to put your interests above our own?   (We are)

*Tax, legal and trust administration services are done through our alliances with outside professionals.

"Simplicity is the ultimate sophistication." 

Leonardo Da Vinci

Are We the Right Fit for You?


We have offices in DFW and Tyler, Texas. However, we work with clients virtually throughout the United States. If you’re looking to plan, organize and simplify your complicated financial life, we’re here to help.

Just use the link below to schedule a phone/web call so that we can get acquainted and determine if we may be a good fit for each other.

Click here to schedule a call with Gibson Wealth Advisors

Contact us.


Dallas Office

700 Central Expressway S, Ste 400
Allen, Texas 75013

Tyler Office

1015 Pruitt Place, Ste 105
Tyler, TX 75703