FAQs

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 monitoring, coordination, rebalancing and management, including 401ks.
Estate planning*, including wills, trusts, financial & healthcare powers of attorney, beneficiary coordination, charitable giving strategies
Complementary Power of Attorneys for adult children
Trust administration*
Multi-generational planning - free coaching for children/grandchildren until age 25 or married
Staying abreast of changing rules and regulations
Fraud protection and identity theft software with $1M identity theft insurance
Ongoing coaching and progress meetings

*Done through our alliances with accounting, legal, and estate planning 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.

What kind of people do you normally work with?

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.

Who shouldn't hire us?

Please don't hire us if...

you expect us to be able to predict the future
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

Will you have a fiduciary duty to me?

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.

Do others stand to gain from the advice you give me?

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 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.

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. We do not receive any form of compensation for any referrals or products.

What is your investment philosophy?

"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.

Who would we actually work with?

We work as a team. Our goal is to have at least two advisors in every meeting.

Allen is typically involved in all financial planning meetings.

Vic handles most incoming client calls, requests, and transactions

Kylar makes sure that we follow up on our committments.

How often will we meet?

We 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. Some years your financial life is really busy, others, not so much. We don't limit the number of times that we will meet with our clients.

How much do you typically charge?

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 have three different relationship options. Hourly, flat-fee, or a percentage of assets that we actually manage.

Our hourly rate is $350.

Our flat-fee option begins at $7,500.

Our percentage for Assets under Management ranges between 1.5% and .5%.

Have you ever been disciplined by any regulatory authority?

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.

investment, tax, insurance, & estate planning, coordinated under one roof

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