Firm Size
Services Offered
- Financial Planning
- Portfolio Management for Individuals & Small Businesses
- Portfolio Management for Businesses or Institutional Clients
Types of Clients
- Individuals (Not High Net Worth)
-
Individuals High Net Worth
*>=750k in Investable Assets or >=1.5m of Estimated Total Net Worth
Available Fee Structures
- Percentage of Assets Under Management (AUM)
- Hourly
- Fixed Fees (Other than subscription)
Gibson Wealth Advisors, LLC Overview
Gibson Wealth Advisors, LLC is a fee-only registered investment advisory firm based in Tyler, TX. Established in 2022, the firm has been providing investment advisory services for clients for several years now. As a fee-only firm, Gibson Wealth Advisors only charges for advice, ensuring that the clients get objective and unbiased advice that is in their best interest. With a focus on investment advice, Gibson Wealth Advisors offers a range of services to individuals, small businesses, and institutional clients. The firm's financial planning services cover a range of areas, including retirement planning, estate planning, tax planning, and more. The firm's portfolio management services are tailored to meet the unique investment goals and needs of each client, whether they are an individual, small business, or institutional investor. Gibson Wealth Advisors works with a team of experienced advisors who are committed to helping clients achieve their financial objectives. The firm's advisors use a client-centric approach and work closely with each client to understand their unique financial needs and goals. By providing personalized investment advice, the firm helps clients to make informed investment decisions and achieve their long-term financial objectives.
GIBSON WEALTH ADVISORS, LLC caters to various types of clients in their pursuit of financial success. The firm primarily serves individuals seeking financial guidance and support, as well as high net worth individuals with more complex and sophisticated needs. GIBSON WEALTH ADVISORS, LLC recognizes that each client has unique requirements and that a personalized approach is crucial. Thus, they tailor their services to ensure that every client receives the most comprehensive financial strategies and solutions. GIBSON WEALTH ADVISORS, LLC offers a range of fee structures, depending on the service provided. One option is a percentage of assets under management (AUM), which is a popular option for clients seeking long-term investment management services. Another option is hourly fees, where clients only pay for the exact amount of time their advisor spends on them. Finally, fixed fees are available for specific services, such as developing a financial plan or conducting a retirement analysis. GIBSON WEALTH ADVISORS, LLC's fee structures are transparent, ensuring that clients always understand what they are paying for and receive exceptional value for their investment.
Typical Clients, Fee Structures & Investment Minimum
According to the Part 2 Brochure of Gibson Wealth Advisors, LLC, the firm does not mention any information about their investment minimum requirements.
How This Office Can Help Gregg County, TX Residents
Gibson Wealth Advisors is a financial advisory firm that helps clients in Gregg County, TX achieve their financial goals. The firm offers a range of services, including retirement planning, investment management, and tax preparation. Gibson Wealth Advisors works with clients to develop a comprehensive financial plan that takes into account their unique goals and circumstances. Clients in Gregg County, TX may be facing a variety of financial situations, such as planning for retirement, managing debt, or saving for their children's education. Gibson Wealth Advisors can help clients navigate these challenges and develop strategies to achieve their financial goals. Additionally, the firm has experience working with business owners and can provide guidance on issues such as succession planning and employee benefits. Overall, Gibson Wealth Advisors is a trusted resource for individuals and families in Gregg County, TX who want to take control of their finances and plan for a secure future.
Services Offered by Gibson Wealth Advisors, LLC
Core Advisor Services
Financial Planning
Financial planning services encompass the process of devising strategies for your future financial well-being, including preparing for events such as retirement, funding your child's college education, or planning for the transfer of assets.
Portfolio Management for Individuals & Small Businesses
Portfolio management entails the careful selection and strategic management of investment combinations tailored to meet the needs of individuals and small businesses.
Market Timing Services
Market timing services involve the endeavor to generate short-term profits from investments by capitalizing on opportunities to buy at low prices and sell at high prices.
Other Services
Selection of Other Advisors
The firm provides support in selecting and engaging other advisors who possess specialized expertise to complement your financial needs.
Publication of Periodicals or Newsletters
The firm engages in the dissemination of diverse financial educational materials through the publication of periodicals.
Educational Seminars & Workshops
The firm organizes and conducts seminars or workshops aimed at enlightening investors on various financial concepts.
Fee Structures
Financial advisory fees usually are based on the services provided. Fee types charged by Gibson Wealth Advisors, LLC most likely consist of the following fee types: asset-based, hourly or fixed. Wrap fee programs, or the practice of bundling services for a single fee, are not offered by the firm.
Available
Percentage of Assets Under Management (AUM)
This fee structure charges a percentage of the assets under management by the firm. Fee structures are often tiered based on the amount of assets managed, with higher AUM often charged a lower rate.
Between 0.50% and 2.00% of assets under management (annually), often lower for a robo advisor. Fees are typically charged quarterly by the firm and will show on your investment statement. View typical advisor costs here.
~96% of registered firms offer this fee structure.
If you have $1 million managed by a firm at a 1% management fee, you would be charged $10,000/year to manage your assets (or $2,500 per quarter). This would be automatically deducted from your investment portfolio.
Hourly
Similar to an attorney, a financial consultant might charge fees based on hourly rates. This fee structure can be advantageous when seeking specific or ad hoc advice.
Charges generally span from $150 to $400 per hour, depending on the extent of the services required.
~33% of registered firms offer this fee structure.
If you needed hourly consulting to sell a business or transfer your estate to your children but did not want your assets managed by a firm, you could consult a firm at an hourly rate to answer any questions you may have.
Fixed Fees (Other than subscription)
Fixed fees are a one-time, lump-sum payment rendered for a specific service, such as creating a financial plan without ongoing management or implementation. This option is beneficial if you solely require guidance for a particular objective rather than a long-term consultancy or asset management.
Fixed fees for creating a financial plan often range from $1,000 to $3,000.
~49% of registered firms offer this fee structure.
If you did not want a firm to manage your assets but needed to create a retirement plan, life transition plan such as divorce or loss of a spouse, estate transition plan, business financial plan, or any other financial planning, you could consult with an RIA firm to help you with the creation of that plan.
Unavailable
Subscription (Newsletter or Periodical)
Commissions
Occasionally, advisors are compensated through commissions by selling certain financial products, such as mutual funds or life insurance policies, or as a broker-dealer by facilitating the buying and selling of securities. Advisors who receive commissions may be incentivized to make specific suggestions to clients in order to secure a commission. Advisors who operate on a fee-only basis do not earn commissions, whereas fee-based advisors may do so.
Often 3% - 6% of the value of the security.
Only ~3% of registered firms say they offer this fee structure, but other advisors may receive “soft dollars”. Many mutual funds charge 12b-1 fees to cover the promoting and selling of the fund’s shares. While your advisor does not charge these fees, they may receive a kickback for recommending the investment.
An advisor selling their client on a life insurance policy and receiving a commission on the sale of that policy, or recommending a specific investment and receiving a kickback for that recommendation.
Performance-based Fees
Advisors typically obtain performance-based fees if a portfolio surpasses a predefined benchmark. This fee is determined through various methods, but is most commonly assessed as a percentage of investment gains. Performance-based fees may incentivize advisors to undertake riskier decisions in pursuit of generating higher returns.
“Two and Twenty” is common among hedge funds with a 2% management fee and a 20% incentive fee above the “hurdle rate,” or performance threshold the fund is compared against.
32% of registered firms offer this fee structure.
A hedge fund earns a 15% return with a 20% performance fee in above the performance of the S&P 500, which grew 7% that same year.
20% of fund growth in excess of S&P 500’s 7% growth for that year = 15% hedge fund growth - 7% S&P 500 growth = 8% difference x 20% = 2% performance fee (in addition to the management fee).
Other
Firms occasionally offer unconventional fee structures when charging clients. For more detailed information about a firm’s specific fee structures, please refer to their Form ADV and Part 2 Brochure.
Types of Clients
*The Securities & Exchange Commission defines someone as “high net worth” if they have $750,000 or more in investable assets or $1.5M of estimated total net worth.
This Office Location
Other Office Locations
This firm has no other locations.
State Registrations
Gibson Wealth Advisors, LLC is registered to service clients in the following states:
- Texas
Disciplinary History
Gibson Wealth Advisors, LLC does not have any disclosures. Please visit it's Form ADV for more details.