RELATIONSHIP OPTIONS

We aren't for everyone. If all you want is someone to give you investment advice, we probably aren't a great fit.

Our goal is to provide meaningful, comprehensive financial planning that truly improves our clients’ lives — not to operate as a low-cost, investment-only manager.

Our fees are based on your needs, the complexity of your project, and the level of service you’re looking for.

We offer two primary options.

1. Plan-Only Engagement

Think of this as working with an architect to design your home plans.

We help you design a comprehensive financial plan — the blueprint.

You are responsible for implementing the recommendations across investments, taxes, insurance, estate planning, and more.

Typically lasts 3–6 months
Does not include ongoing investment management
Charged as a flat fee

2. Ongoing Planning & Investment Management

We design the blueprint — and help bring it to life.

In this relationship, we act as the general contractor: coordinating professionals, implementing strategies, managing investments, and maintaining the plan as your life evolves.

This is how we serve the majority of our client families.

Includes comprehensive planning and ongoing investment management
The fee is typically based on a percentage of the household portfolio we manage for you

HOW WE START

Our Process

1. Initial Meeting
We meet to see if there may be a good fit.

2. Information Gathering
We collect key documents — tax returns, estate planning documents, investment and retirement statements, and insurance policies — to prepare initial observations.

3. Strategy Discussion
We meet again to review those observations, discuss where we may add value, outline relationship options, and review costs.

4. Time to Reflect
We both take a few days to think it over. This is an important decision and shouldn’t be rushed.

5. Plan & Implementation
If we move forward together, we begin building your plan and implementing recommendations.

6. Ongoing Reviews
We meet regularly to review progress and adjust as your life, needs, and goals evolve.

WHAT WE ASK OF OUR CLIENTS

A successful relationship is built on communication, trust, and participation.

Be Engaged

Meet with us regularly — in person, by phone, Zoom, or email.
Please review the information we send and respond when appropriate.

Share Information

The more we understand about you, your family, and your financial life, the more value we can provide.

Our advice is only as strong as the information we receive — and everything you share is confidential by law.

Ask Questions

Financial decisions can feel unfamiliar or complex.

Ask questions until you feel comfortable with any concept or recommendation.

Speak Up

If something doesn’t make sense or causes concern, please tell us.

If we don’t hear otherwise, we’ll assume everything is okay.

COMPREHENSIVE PLANNING

We begin by clarifying your goals, values, priorities, and timelines — before making investment, tax, or estate planning decisions.

What we focus on evolves as your life does.

Retirement Planning

We help you move from uncertainty to clarity by defining your retirement timeline and the dollars needed to support it — adjusted for taxes and inflation.

Retirement Account Optimization — IRAs, 401(k)s, 403(b)s, etc.
Tax-Efficient Income Planning
Social Security & Pension Optimization
Medicare Planning

Tax Planning & Preparation*

We begin with a detailed review of your tax returns to identify opportunities and planning strategies.

Health Savings Accounts (HSAs)
Roth conversion analysis (including IRMAA impact)
Donor-advised funds
Qualified Charitable Distributions
Required Minimum Distribution (RMD) Planning
Equity compensation planning (Options, RSUs, etc.)
Tax return preparation & filing*

Investment Planning

We manage portfolios using low-cost, tax-efficient ETFs.

Evidence-based approach
Asset allocation & diversification
Ongoing rebalancing
Tax-loss & tax-gain harvesting

Estate Planning & Trust Coordination*

In partnership with experienced estate attorneys, we help review and refine your plans.

Wills & Trusts
Financial & Healthcare Powers of Attorney
Beneficiary Coordination
Tax-Efficient Wealth Transfer
Trust Administration Support

Protection Planning

We evaluate your current coverage and identify gaps.
We don’t sell insurance — recommendations remain objective.

Health Coverage (Employer, ACA, Medicare)
Life Insurance
Disability Insurance
Long-Term Care Planning
Property & Casualty (Home, Auto, Umbrella)
Employer Benefits Optimization

Identity Theft & Fraud Protection

24/7 monitoring of:

Financial accounts
Credit reports
Real estate records
Dark web activity

Includes up to $1,000,000 in identity theft insurance.

Next Generation Planning

We offer complimentary financial guidance for clients’ adult children and grandchildren until age 25 or marriage.

Collaboration

We coordinate with attorneys, CPAs, insurance professionals, healthcare consultants, and trust administrators — or work alongside your existing advisors.

Monitoring

Like your health, your financial life benefits from regular attention.

Scheduled Reviews — Typically every six months
Additional Reviews — As needed

* Tax preparation, estate planning document creation, and trust administration are provided through our professional alliances.

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