HOW WE START
Fit is important. Our goal is to work with a limited number of families that are great fits. We can't be all things to all clients and quality of service tends to suffer if we try to work with too many families.
We aren't for everyone. If you're looking for the cheapest firm or just investment management, we're not the best fit for each other.
We are not a low-cost provider. To do that, we would have to eliminate many of the services that provide the most value for our clients.
However, if you're looking for a comprehensive, integrated approach to your overall financial situation, let's talk.
Our process.
1. We meet to see if we may be a good fit for each other.
2. We gather information to prepare our preliminary observations. (Tax returns, estate planning documents, bank, investment and retirement statement, insurance policies, etc.)
3. We meet again to discuss those observations and if and how we can add value, relationship options, and costs.
4. We both go sleep on it for a couple of days. This decision is too important to make quickly.
5. If we decide we are right for each other, then we will really get into the details of your life, developing your plan, and implementing our recommendations.
6. Regularly review your progress and make necessary adjustments as your situation, needs and goals evolve.
RELATIONSHIP OPTIONS
Our fees are based on your situation, needs, and the services rendered. We have two basic options.
1. Just a Plan.
Think of this as going to an architect with your dreams. We will help you develop a comprehensive plan (blueprints).
You will be responsible for implementing the recommendations…tax, investment, insurance, estate, etc. This engagement typically lasts 3-6 months and does not include ongoing investment management.
For this option, we charge a flat fee.
2. Ongoing relationship based on comprehensive financial planning and investment management.
We will help develop the plan (blueprints) and serve as the general contractor, hire the sub-contractors, build it, and provide ongoing maintenance and repairs. This is how we serve the majority of our families.
For this option, we typically charge a percentage of the total household portfolio value that we manage for you.
WHAT WE ASK OF OUR CLIENTS
A successful relationship is based on 2-way communication, mutual respect, honesty, trust, and participation.
Be engaged. Meet with us regularly, either in-person, phone, Zoom, or email. Please read the emails we send you and reply when appropriate.
Share information. The more we understand about you, your family, and your financial situation, the more value we can provide. The quality of our advice depends on the quality fo information you share with us. Everything is confidential by law.
Ask questions. This stuff can be unfamiliar and confusing sometimes. Ask questions until you feel comfortable with a concept or recommendation.
Speak up. If you’re concerned or confused about something, please let us know. If you don't tell us, we'll assume everything is ok.
SERVICES OFFERED
Depending on the relationship agreed upon, our services may include:
1. Protection Planning.
We assess your existing insurance coverages and identify gaps to ensure you’re well-protected. While we don’t sell insurance ourselves, we collaborate with trusted outside consultants to provide expert recommendations, including:
- Life Insurance – Evaluate needs, review current coverage, and suggest adjustments.
- Disability Income Insurance – Analyze needs and recommend coverage solutions.
- Long-Term Care Planning – Strategies to fund extended care if needed.
- Property & Casualty Insurance – Recommendations for home, auto, and umbrella policies.
- Employer Benefits Optimization – Maximize the value of your workplace benefits.
2. Tax Planning & Preparation*
We begin with a detailed review of your latest tax returns, offering insights and actionable recommendations. Our tax strategies may include:
- Health Savings Accounts (HSAs) – Leverage the triple tax benefits of HSAs.
- Roth Conversion Analysis – Evaluate if converting Traditional IRAs or 401(k)s to Roth accounts makes sense for you.
- Donor-Advised Funds – Explore tax-smart charitable gifting options.
- Qualified Charitable Distributions – Use IRAs for tax-efficient philanthropy.
- Required Minimum Distributions (RMDs) – Manage taxable withdrawals from retirement accounts.
- Managing Equity Compensation - Options, Retricted Stock, RSUs, etc.
- Tax Return Preparation – Comprehensive filing services tailored to your needs.
3. Investment Planning
We provide ongoing management of your investment portfolios using low-cost, tax-efficient, Exchange-Traded Funds (ETFs). Our approach includes:
- Asset Allocation & Diversification – Build a balanced portfolio suited to your goals.
- Regular Rebalancing – Keep your investments aligned with your objectives.
- Tax-Loss Harvesting – Continuously analyze opportunities to minimize taxes.
4. Retirement Planning
We help you calculate the income and savings needed for a comfortable retirement, accounting for inflation and tax efficiency. Our strategies include:
- Retirement Account Optimization – Maximize IRAs, 401(k)s, 403(b)s, and more.
- Pension Maximization – Enhance income from pension plans.
- Tax-Efficient Income Streams – Coordinate investments for sustainable retirement paychecks.
5. Social Security and Pension Optimization
We analyze your claiming options and recommend the best filing age based on your cash flow, income, and investment needs.
6. Healthcare Planning.
We evaluate your health, medications, and lifestyle to recommend the right employer plan for you, including:
- Medicare Parts A, B, C, & D – Understand your coverage options.
- Medicare Advantage & Medigap Supplements – Find the best fit for your needs.
- Affordable Care Act Plans
- Employer Plans/COBRA
7. Estate Planning & Trust Administration*
Through our partnership with experienced estate planning attorneys, we review and refine your estate plans. Our services include:
- Wills & Trusts – Ensure your wishes are documented and protected.
- Healthcare Powers of Attorney
- Financial Powers of Attorney
- Beneficiary Coordination – Align designations across your accounts and policies.
- Gifting strategies and wealth transfer
- Trust Administration Services – Ensuring proper execution of your trust, distributions, reporting, and investment management.
8. Identity Theft & Fraud Protection
Our advanced software provides 24/7 monitoring of your financial accounts, real estate, credit reports, and Dark Web activity to safeguard against fraud and identity theft. This includes, $1,000,000 in identity theft insurance.
9. Education & Expertise
We simplify complex financial topics to empower you with knowledge. Our team holds advanced designations and memberships in prestigious groups like:
- Ed Slott’s Master Elite IRA Advisor Group
- National Association of Social Security Advisors
- National Association of Registered Social Security Analysts
10. Next Generation Planning
To get your adult children and grandchildren started off on the right foot, we provide free financial advice until they turn 25 or get married, whichever comes first.
11. Collaboration with Professionals
We have a network of attorneys, accountants, insurance brokers, healthcare consultants, and trust administrators we can bring to the table — or collaborate with your existing advisors.
12. Ongoing Support
- Scheduled Reviews – Comprehensive check-ins every six months.
- Unscheduled Reviews – Available as needed.
Just like your relationship with your doctor or dentist, it is up to you to schedule your appointments and take an active role in maintaining your financial health.
*Tax preparation & filing, trust administration, and estate planning document creation are done through our various alliances with legal, accounting, and estate planning firms.
If you would like to schedule a call to see if we might be a good fit, click below
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.