Frequently Asked Questions
Please reach us at info@gibsonwealthadvisors.com if you cannot find an answer to your question.
Allen's qualifications & credentials
Ed Slott's Master Elite IRA Advisor Group
CFP® - Certified Financial Planner Practitioner
ChFC® - Chartered Financial Consultant
CRPC® - Chartered Retirement Planning Counselor
CDFA® - Chartered Divorce Financial Analyst
CLTC® - Certificate in Long-Term Care
CEP® - Certified Estate PlannerBFA® - Behavioral Financial Advisor
NSSA® - National Social Security Advisor
RSSA® - Registered Social Security AnalystCertificate in Blockchain and Digital Assets
Experience and Education
BBA, finance, University of Texas at Arlington
2016-present - founder, President, & Chief Compliance Officer at Gibson Wealth Advisors
1991-2016 - financial advisor at Ameriprise Financial
Vic's qualifications & credentials
CRPC® - Chartered Retirement Planning Counselor
NSSA® - National Social Security Advisor
Experience and Education
BS, mathematics, Northeastern State University
2016-present - financial advisor Gibson Wealth Advisors
2002-2016 - financial advisor at Ameriprise Financial
2000-2002 - broker at Edward Jones
1989-2000 - mathematics teacher and basketball coach.
Comprehensive Financial Planning, including but not limited to....
- Goal setting, cash flow & budgeting, debt management
- Tax planning & preparation*
- Optimizing Social Security and Pensions
- Consulting for Medicare and health insurance, including COBRA, private & Affordable Care Act plans
- Consulting for life, health, home, auto, disability, umbrella, & long-term care insurance
- Optimizing employer benefits
- Retirement income planning
- Continuous investment management
- Estate planning*, including wills, trusts, financial & healthcare powers of attorney, beneficiary coordination, charitable giving strategies
- Trust administration*
- Multi-generational planning - free coaching for children/grandchildren until age 25 or married
- Staying abreast of changing rules and regulations
- Fraud protection & identity theft software
- Ongoing coaching and progress meetings
*Done through our alliances with accounting and law firms.
Although we provide consulting for various insurances, we do not sell insurance or receive any form of compensation for coordinating with outside insurance agencies.
If you just want someone to manage your investments, we're not the right firm for you.
We typically work with nice, ordinary folks that have been successful in their careers, as well as a large number of women that have been widowed. The one thing they all have in common is that they want to simplify and coordinate their financial lives and focus on enjoying their time with the people and activities that they love.
Difficult people need not apply (you know who you are) regardless of how wealthy you may be.
We take our business seriously but not ourselves. Please don't hire us if...
- you don't have a sense of humor
- you might be offended by flip-flops or dogs at the office
- you believe that we should wear ties
- most of your conversations include politics
Yes. As an independent Registered Investment Advisory firm (RIA) we are held to a fiduciary standard. That means we have to act in the best interest of our clients and disclose any conflicts of interest.
Registered representatives of brokerage firms are held to a lower, suitability standard.
That depends on your situation and the services that we deliver. We typically won't know until after we have a detailed discussion and preliminary analysis of your situation and your needs.
We have three different relationship options. Hourly, flat-fee and a percentage of assets that we actually manage (AUM).
Our hourly rate is $350 and for flat-fee or AUM, our minimum annual fee is $5,000.
First of all, we are fee-only and never receive any form of compensation from outside firms...no commissions, referral fees, bonuses, trips, or t-shirts from any outside firms. We only get paid for advice.
In the event that we engage an outside firm for tax or legal consulting, Gibson Wealth Advisors may pay their fee.
In the event that we refer a client to an independent insurance agent who ultimately sells them insurance, the agent will typically receive compensation from an insurance company but never from Gibson Wealth Advisors.
"Simplicity is the ultimate sophistication", Leonardo DaVinci
Keep investment fees low, diversify, harvest tax losses & rebalance when appropriate.
We cannot predict, influence, or control the economy or financial markets...and neither can anyone else. We won't insult your intelligence by suggesting that we will even try.
If someone attempts to convince you that they have these super powers...run away...fast. If you believe them, that's on you.
We work as a team. Allen handles 95% of the client meetings and Vic handles 95% of the phone calls and client requests.
It depends on what's going on in your life at any given time as you move through various ages and stages. It's totally up to our clients.
We typically meet a lot in the early stages of our relationship as we get to know each other and then it typically tapers off to one or two big reviews each year and various contacts throughout the year.
Some years your financial life is really busy, others, not so much.
Just like with your doctor, it is our client's responsibility to contact us when they want to meet.
No. We are subject to oversight by the Financial Industry Regulatory Authority (FINRA) and the Securities and Exchange Commission (SEC). You can visit FINRA's BrokerCheck website or the SEC's Investment Adviser Public Disclosure Website for information on advisors.
Copyright © 2023 Gibson Wealth Advisors - All Rights Reserved. Gibson Wealth Advisors, LLC is a Registered Investment Adviser. Advisory services are only offered to clients or prospective clients where Gibson Wealth Advisors, LLC and its representatives are properly licensed or exempt from licensure. This website is solely for informational purposes. Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital. No advice may be rendered by Gibson Wealth Advisors, LLC unless a client service agreement is in place.