Description of Advisory Firm Gibson Wealth Advisors, LLC is an Investment Adviser principally located in the state of Texas. We are a limited liability company founded in 2016. Allen Gibson is the principal owner and Chief Compliance Officer (“CCO”).
As used in this brochure, the words “GWA”, "we", "our firm", “Advisor” and "us" refer to Gibson Wealth Advisors, LLC and the words "you", "your" and "Client" refer to you as either a client or prospective client of our firm.
Types of Advisory Services GWA is a fee-only firm, meaning the only compensation we receive is from our Clients for our services. We offer Comprehensive Financial Planning and Investment Management services. From time to time, GWA recommends third-party professionals such as attorneys, accountants, tax advisors, insurance agents, or other financial professionals. Clients are never obligated to utilize any third-party professional we recommend. GWA is not affiliated with nor does GWA receive any compensation from third-party professionals we may recommend.
Wealth Management Services Wealth Management encompasses investment management services and financial planning. Our firm provides continuous advice to a Client regarding the investment of Client funds based on the individual needs of the Client. Through personal discussions in which goals and objectives based on a Client's particular circumstances are established, we develop a Client's personal investment policy or an investment plan with an asset allocation target and create and manage a portfolio based on that policy and allocation targets. We will also review and discuss a Client’s prior investment history, as well as family composition and background. Account supervision is guided by the stated objectives of the Client (e.g., maximum capital appreciation, growth, income, or growth and income), as well as risk tolerance and tax considerations.
We primarily advise our Clients regarding investments in stocks, bonds, mutual funds, ETFs, U.S.
government and municipal securities, and cash and cash equivalents. We may also provide advice regarding investments held in Client’s portfolio at the inception of our advisory relationship and/or other investment types not listed above, at the Client’s request.
When we provide investment management services, Clients grant us limited authority to buy and sell securities on a discretionary basis. More information on our trading authority is explained in Item 16 of this Brochure. Clients may impose reasonable restrictions on investing in certain securities, types of securities, or industry sectors.
At no additional fee and at Client’s election, GWA also provides the Client with financial planning services, as further described below. A Client will be taken through establishing their goals and values around money.
Clients will be required to provide pertinent information to help complete the following areas of analysis: net worth, cash flow, insurance, credit scores/reports, employee benefits, retirement planning, insurance, investments, college planning, and estate planning. Once the Client's information is reviewed, their plan will be built and analyzed, and then the findings, analysis and potential changes to their current situation will be reviewed with the Client. Clients may receive a detailed financial plan designed to help achieve Client’s stated financial goals and objectives. The plan and the Client's financial situation and goals will be monitored throughout the year.
Held-Away Account Services In addition to managing investment portfolios directly, we will also provide ongoing advice and supervision on accounts that the client chooses to have us monitor and provide recommendations for but cannot be transferred to one of our recommended custodians listed in Item 12. These accounts may include 529 Plans, 401(k) and other employer-sponsored, tax qualified accounts, as well as other brokerage accounts that the client maintains at other financial institutions (“held-away accounts”). GWA regularly reviews the current holdings and available investment options in these accounts, monitors the account, rebalances, and implements our firm’s strategies, as necessary.
Financial Planning Services Financial planning involves an evaluation of a Client's current and future financial state by using currently known variables to predict future cash flows, asset values, and withdrawal plans. The key defining aspect of financial planning is that through the financial planning process, all questions, information, and analysis will be considered as they affect and are affected by the entire financial and life situation of the Client. Clients purchasing this service will receive a written report, providing the Client with a detailed financial plan designed to help achieve the Client’s stated financial goals and objectives.
In general, the financial plan will address some or all of the following areas of concern. The Client and GWA will work together to select specific areas to cover. These areas may include, but are not limited to, the following: ●Financial Goals & Bucket List Items: We will help Clients identify financial goals and develop a plan to reach them. We will identify what you plan to accomplish, what resources you will need to make it happen, how much time you will need to reach the goal, and how much you should budget for your goal.
●Cash Flow and Debt Management: Reviewing income, expenses, and budgeting. Analyzing debt, like mortgages, credit cards and other consumer debt to identify more efficient payoff strategies.
Determining appropriate cash reserves that should be considered for emergencies and other financial goals.
●Charitable Gifting: Charitable gifting strategies using Donor-Advised Funds and other strategies.
●College Savings: Includes projecting the amount that will be needed to achieve college or other post-secondary education funding goals, along with advice on ways for you to save the desired amount.
●Employee Benefits Optimization: We will provide review and analysis as to whether you, as an employee, are taking the maximum advantage possible of your employee benefits. If you are a business owner, we will consider and/or recommend the various benefit programs that can be structured to meet both business and personal retirement goals.
●Estate Planning: Reviewing your current estate plan which may include beneficiary designations, wills, trusts, advanced directives, such as a durable power of attorney, health care power of attorney,

directive to physicians and other related documents. Determining your potential exposure and ways to minimize future estate & gift taxes.
We may utilize a third-party provider, Estate Guru, an estate planning technology solution, to assist with estate planning documentation. GWA is not a law practice and does not provide legal advice.
The third-party provider is responsible for the creation and preparation of estate planning documents. In certain cases, we or the third-party may recommend that you consult with a qualified attorney. You are not obligated to use any third-party provider or attorney recommended by our firm.
●Medicare: Consulting on original Medicare A & B, Medicare Advantage Plans, Medicare Part D, Medicare Supplements to understand the costs and benefits and plans available in your area and which may be better suited for clients based on factors such as their health, prescription medications.
●Retirement Planning: Our retirement planning services typically include projections of your likelihood of achieving your financial goals, typically focusing on financial independence as the primary objective. For situations where projections show less than the desired results, we may make recommendations, including those that may impact the original projections by adjusting certain variables (e.g., working longer, saving more, spending less, taking more risk with investments).
If you are near retirement or already retired, advice may be given on appropriate distribution strategies to minimize the likelihood of running out of money or having to adversely alter spending during your retirement years.
●Risk Management: A risk management review includes an analysis of your exposure to major risks that could have a significant negative financial impact, such as premature death, disability, home, auto, umbrella, liability, property and casualty losses, or the need for long-term care planning.
Evaluating health insurance plans offered on the ACA Marketplace and Medicare consulting.
●Social Security: Educating to better understand the program, how it may integrate with other pensions and the different claiming options. Analysis to help optimize which strategies may potentially provide more benefits to a client, their spouse, and their family.
●Tax Planning Strategies: Advice may include ways to minimize current and future income taxes as a part of your overall financial planning picture. For example, we may make recommendations on which type of account(s) or specific investments should be owned based in part on their “tax efficiency,” with the consideration that there is always a possibility of future changes to federal, state or local tax laws and rates that may impact your situation.
We recommend that you consult with a qualified tax professional before initiating any tax planning strategy, and we may provide you with contact information for accountants or attorneys who specialize in this area if you wish to hire someone for such purposes. We will participate in meetings or phone calls between you and your tax professional with your approval.
GWA is not an accounting firm, but we provide integrated tax planning, preparation and filing services through our relationships with outside accounting firms.
●Tax Preparation Assistance: GWA will assist clients in the coordination of annual individual tax returns. GWA is not an accounting or tax practice and does not file tax returns on behalf of clients.
However, we will recommend third-party tax professional(s) that will work with our firm and our firm’s clients. If clients choose to utilize our recommended tax professional(s) and upon client's prior consent, we will work with both parties to gather all necessary data, forms, and work collaboratively to help clients file their tax returns in a timely manner.
●Trust Administration: Managing assets within a trust as a fiduciary according to the trust language for the benefit of the beneficiaries.
Retirement Plan Management Our firm provides retirement plan services to employer plan sponsors on an ongoing basis. Such services consist of assisting employer plan sponsors or plan named fiduciaries in buying and selling securities within the Plan on a discretionary basis. More information on our trading authority is explained in Item 16 of this Brochure. Clients may impose reasonable restrictions on investing in certain securities, types of securities, or industry sectors. As the needs of the plan sponsor dictate, areas of advising could also include: design of investment policy statement, investment review and recommendations, fee analysis, participant education, and vendor searches & analysis.
In providing retirement plan services, our firm does not provide any advisory services with respect to the following types of assets: employer securities, real estate (excluding real estate funds and publicly-traded REITs), participant loans, non-publicly traded securities or assets, other illiquid investments, or brokerage window programs (collectively, “Excluded Assets”).
Certain plans and/or clients that we may provide services to are regulated under the Employee Retirement Income Securities Act of 1974 (“ERISA”). We will provide employee benefit plan services to the plan sponsor and/or fiduciaries as described above for the fees set forth in Item 5 of this brochure. We are not subject to any disqualifications under Section 411 of ERISA. In performing fiduciary services, we are acting as an “investment manager” as defined in section 3(38) of ERISA pursuant to section 402(c)(3) of ERISA.
Client Tailored Services and Client Imposed Restrictions We tailor the delivery of our services to meet the individual needs of our Clients. We consult with Clients initially and on an ongoing basis, through the duration of their engagement with us, to determine risk tolerance, time horizon and other factors that may impact the Clients’ investment and/or planning needs.
Clients may not impose restrictions in investing in certain securities or types of securities in accordance with their values or beliefs without advisor approval. Clients may identify “legacy” holdings that they do not wish to sell for various reasons such as potential adverse tax consequences, sentimentality, or other factors.
Wrap Fee Programs We do not participate in wrap fee programs.
Assets Under Management As of December 31, 2023, GWA has $140,122,615 in discretionary and $0 in non-discretionary assets under management.