We typically work with nice, ordinary folks who have been successful in their careers and are primarily focused on retirement. We also serve a large number of widowed women.
The one thing they all have in common is that they want to simplify, consolidate, coordinate, and delegate their tax, estate, insurance and investment management and focus on enjoying their time with the people and activities that they love.
Please don't hire us if...
- you expect us to be able to predict the markets or economy...we can't
- you expect us to call every time the market hiccups...which is often
- 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 suits and ties
- you're a difficult person (you know who you are) regardless of how wealthy you may be
- most of your conversations eventually include politics...regardless of your party
- you change financial advisors frequently
Yes. As an independent Registered Investment Advisory firm (RIA) we are held to a higher fiduciary standard. That means we are legally required to act in your best interest and disclose any potential conflicts of interest.
We are fee-only and never receive compensation from outside firms. We do not receive commissions, referral fees, bonuses, trips, or T-shirts from any outside firms. We only get paid for advice.
If we engage an outside firm for healthcare, tax, or legal consulting, Gibson Wealth Advisors may cover their fee, or you may be billed directly for that service, depending on the scope of our relationship.
If we refer a client to an independent insurance agent who ultimately sells them insurance, the agent will typically receive compensation from an insurance company. However, we never receive any form of compensation for any referrals or products sold.
We manage our portfolios in-house and monitor them continuously to determine if they need to be rebalanced or if there are any losses that we can harvest for tax purposes.
We create well diversified portfolios based on asset-allocation and evidence-based investment theory.
We typically use low-cost, tax-efficient, exchange-traded funds from Vanguard.
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 they have these superpowers, run away...fast. If you believe them, that's on you, you've been warned.
We tend to steer clear of risky, complicated, commissioned, illiquid, and/or non-transparent investments like limited partnerships, annuities, private REITS, business development companies, structured products, NFTs, digital assets, etc.
If an investment sounds too good to be true, it usually is.
We work as a team for all of our clients. Our goal is to have at least two financial advisors in every meeting.
Allen is typically involved in most financial planning meetings.
Vic handles most incoming client calls, requests, and transactions
Kylar makes sure that we follow up on our commitments.
We leave that up to you, but we would like to meet at least twice a year to review progress toward your goals.
It also depends on what's going on in your life at any given time as you move through various ages and stages, like getting married, having children, changing jobs, paying for college, kids getting married and having grandchildren, retirement, divorce, health issues, death.
Some years your financial life is really busy and we'll talk often, others, not so much.
Some areas of your financial life don't need to be reviewed every year, like your wills or insurance coverages. Other areas like taxes and investments require ongoing attention.
We are not the cheapest firm and don't intend to be. To be the low-cost provider, we would have to eliminate many of the services that provide the most value for our clients.
If you're only interested in the cheapest firm or just investment management, we're not the right firm for you.
Your fee will depend on your situation and the services that we deliver. We typically won't know until after a detailed discussion and preliminary analysis of your situation and needs.
We typically charge either:
1. a flat-fee for comprehensive financial planning only, with no investment management, or
2. a percentage of assets that we are actively managing, for financial planning and investment management, or
3. a combination of the two.
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.
Members of Ed Slott's Elite IRA Advisor Group train with Ed Slott and his team of IRA Experts on a continuous basis. These advisors pass regular background checks, complete requisite training, attend semi-annual 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.