Gibson Capital

Navigate Life’s Financial Peaks

Achieve lasting financial security with strategies that balance cutting-edge technology and timeless expertise.

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What our Clients Say

Jennifer C.Google review

My husband and I have had such a positive experience with Steven and Gibson Capital. He takes the time to answer all of our questions and concerns with patience. We’ve seen great returns on our investments. He truly cares about our well being and future, and is passionate about helping all generations, from just starting out to nearing retirement, be successful!

Rebecca C.Google review

I have been very grateful for Steven Gibson’s vast knowledge and expertise when I was floundering as to what to do with my 401K and my pension. I had so many questions as to what to do with my retirement money and there were so many options. Steven asked me direct and poignant questions to find out how I wanted my money to work for me and pointed me in the right direction. He was very patient and stayed in contact so I felt very secure with my decisions. I recommend him to everyone I know who needs help with their finances, even my daughter.

Macy B.Google review

We have had the pleasure of knowing Steve Gibson for many years, and he has been an exceptional resource for us throughout this time. His extensive knowledge and resourcefulness have consistently impressed us, making every interaction efficient and productive, while respecting our time. Steve is not only professional but also genuinely caring and attentive to our needs, ensuring that we feel valued and supported. We wholeheartedly recommend him to anyone seeking a dedicated and trustworthy financial professional!

Kassidy J.Google review

Steve is the best, I wouldn’t trust my money with anyone else!

Clay J.Google review

I wouldn’t trust anyone else with our financial future. Gibson capital is the way to go. We have loved working with Steve. He’s always available to chat if we need to, and he’s incredible at walking us through things so we can understand better. We have no regrets about choose Gibson Capital and trusting them to make the best decisions with our money.

Treg C.Google review

Steven is the best! He's so full of knowledge and very patient and kind. He takes his time to help us understand financial decisions completely and make informed decisions!

Josh K.Google review

Choosing the right financial planner is a tough decision because there are so many out there saying the same thing but once you sit down with Steve you realize there’s something different with him. He takes his time and attention to really identify what you’re trying to accomplish and then explains his strategies and principles in ways you can actually understand. And on top of that he provides awesome ongoing customer service and communication which is so important when it comes to financial planning. I’m very thankful to have met Steve and know with certainty that I made the right decision to work with him.

Steven M.Google review

Always reachable and genuinely patient with my desire to understand. They explain things clearly, respond quickly and make it easy to stay current about what’s happening with my finances. And most importantly, my money grows! Which is the goal.

Linda V.Google review

I have been so impressed with Steve’s knowledge. He was so organized when we first met; he had company information handouts and spreadsheets with projections for financial growth. He assisted me with diversifying my funds and was so patient with me as I continued to learn in this area. He is available with my on-going questions and truly wants me to learn and understand. He’s trustworthy and intelligent and I feel so confident knowing that my investments are in the right hands! I highly recommend Steve Gibson!

Jim H.Google review

Steve Gibson has been a great agent for years and we really appreciate his friendship

Jim C.Google review

Steve Gibson gives us excellent service. He's very knowledgeable and explains options very clearly. He stays right on top of our accounts and keeps us up to date. We highly recommend working with him.

Matthew T.Google review

Steve is exceptional in his field. Our family has built a strong trust in him due to the consistent positive growth we've witnessed in our investments over 14 years. This ongoing relationship gives us confidence as we continue to invest with him. We appreciate the significant investments we’ve made with his team. Moreover, it's inspiring to observe his dedication not only to his business but also to his family, reflecting a commitment to fostering success for everyone associated with him.

Mirza M.Google review

Steve is competent, knowledgeable and always helpful. I'll definitely do business with him.

Michael B.Google review

Steve Gibson is the kind of Financial Advisor that we all hope to find during our investing years. He's very thorough and explains every detail pertaining to the products he recommends. I can honestly say that he is always looking for products that will enhance my portfolio and increase its value. Thanks Steve for being a person with integrity and passion for your industry.

Gibson Capital is redefining what investors can expect from wealth management. By challenging the limitations of traditional approaches, we strive to offer access to unique investment opportunities, cutting edge technology, flexibility, personalized support, cost efficiency, and a sleek, modern experience. Our focus on AI and machine learning creates an exclusive platform designed for forward thinking investors who want to grow their wealth, stand apart from the crowd, and achieve exceptional results.

Find Your Personal Risk Score

Most people have no idea what their true appetite for “risk” is when it comes to growing wealth for retirement. We use the industry’s most accurate risk assessment software to help clients determine their personal Risk Score. If you want to know your Risk Score on a scale from 1-100, click on the button below.

Find My Risk Score

Do you wonder how risky your investments are?

Find out by using our Investment Risk Quick Score App!

Try Our Quick Score App

Free Calculators

IRMAA Calculator

See whether your income could trigger higher Medicare Part B and Part D premiums.

Open IRMAA Calculator

Roth Conversion Calculator

Compare converting to a Roth now against leaving money in a traditional account.

Open Roth Calculator

Life Expectancy Calculator

Estimate how long your retirement income may need to last.

Open Life Expectancy Calculator

What We Do for You

Crafting a Financial Future as Unique as Your Life's Journey

Protection and Legacy Planning

(Through Gibson Retirement Planners, LLC)

Learn more about our Services

First page of The Top 8 Risks to Your Retirement

Free Guide

The Top 8 Risks to Your Retirement

Know the risks that can derail a retirement plan before they show up in yours.

Download the Guide
Steve Gibson, CAS, CEO of Gibson Capital

About us

Meet Steve, CAS

CEO

"I believe life's financial answers can be found in nature's balance, where resilience, growth, and stability work together."

Founder’s Legacy: Inspired by his late father’s financial expertise, Steve continues a family tradition of personalized, values-driven advising.

Holistic Approach: With over a decade of experience with investing, retirement planning, and insurance, Steve offers unparalleled financial insight with a personal touch.

Learn More About Steve’s Journey

Press releases seen in CBS, NBC, FOX, ABC and Barchart

What Makes Us Different

Future-Focused Planning with Gibson Capital

We combine cutting-edge technology and innovative tools, including AI and quantitative driven investing, personalized client portals, advanced income planning and stress test software, to create forward-thinking strategies that empower our clients to secure their financial legacy.

Personalized Guidance

Financial advising that adapts to your evolving needs.

Expert-Led Insight

Backed by over a decade of experience and a commitment to lifelong learning.

Meaningful Relationships

We partner with clients, ensuring every strategy reflects personal goals and dreams.

Forward-Thinking Wealth Management

We stay on the forefront of innovation and technology to create a more efficient and seamless approach to managing your financial future.

Education & Insights

Stay Informed, Stay Empowered

Weekly Insights Newsletter

Wisdom of Wealth

Get expert financial tips, market updates, and tech-driven insights.

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When Gold Belongs & The Four Economic Environments

You Saved for 40 Years. Now You're Scared to Spend It.

Fed’s June Meeting and Its Financial Impact

The Longevity Disruption Is Here. Is Your Retirement Plan Ready?

The Whole Life Insurance Tax Trap

Scam Alert - I Almost Got Scammed by a "Google Employee"

New Feature on Client Portal

Last Call: You Have Until April 15th to Make Your 2025 IRA Contribution

Keep Or Shred? The Paper Trail Playbook

What the Academic Research Really Says About Guaranteed Lifetime Income

When Should You Claim Social Security? Here's What You Actually Need to Know

“We can’t find the life insurance policy.” A free tool that can help.

Gibson Capital Announces Alpha Innovators: Investment Management, Evolved

Prepare Your Finances Like a Pro: Introducing the Financial Prepper

Roth SEP IRA

Dollar‑Cost Averaging: A Practical Way to Invest

What the Recent Government Shutdown Means for Markets, and for Your Portfolio

Cybersecurity Awareness Month

Making the Most of Inherited IRAs and Non-Qualified Annuities

The Clock is Counting Down on Social Security Solvency

Social Security Fairness Act: A Needed Change for Retirees

What OBBBA Means for Seniors

Roth Conversions: Why Now Could Be the Smartest Time to Act

529 Plans in 2025: A Smart Way to Save for Education

5 Myths About Fixed Indexed Annuities

Understanding the Buffett Indicator: What It Tells Us About the Stock Market Today

Growing Your Wealth Like a Redwood Tree

How You Leave Your Money Matters: Don’t Let Taxes Eat Up Your Legacy

Always Invert: The Problem-Solving Trick To Investing

How Do Tariffs Work?

Steel and Aluminum Tariffs: Key Points for the Public

What Medical Expenses Can I Deduct From My Taxes?

Why Your Brain Works Against You as an Investor

Hope Is Not a Strategy: The Importance of Tactical Investing in Uncertain Markets

What to Expect in the Job Market: Trends and Advice for Job Seekers

Social Security Employees Sound the Alarm

Unlocking the Tax Benefits of Homeownership

The Future of Fusion Energy: A Revolution on the Horizon

America's Personal Finance Struggle

The 2025 Tariff Shift: What New Trade Policies Mean for You

10 Life-Changing Lessons I Learned from Emmitt Smith

The Buick GNX and Beating the Flashy Competition: A Lesson in Investing

Don't Forget to File Your LLC's Periodic Report

Understanding Life Insurance Trends for 2025

Understanding Risk Tolerance for Smarter Investments

Understanding the Social Security Fairness Act

Money vs. The Economy

Gibson Capital Launches Blueleaf – Your New Financial Dashboard

Why I Usually Don’t Recommend No-Exam Term Life Insurance: Convenience Isn’t Usually Worth the Cost

The Three Functions of Money

Understanding Required Minimum Distributions (RMDs)

The Hidden Risks in Your Trash: Why Shredding Papers Is Essential for Protecting Your Identity

The All-In-One Family Planning Tool: Why Everplans is Essential for EVERY Family

The Hidden Loophole in Retirement Planning for Long-Term Care

Understanding Qualified Charitable Distributions (QCDs)

The Meaning Behind the Eye of Horus

Descending the Retirement Mountain: Why the Climb Down Matters More Than the Ascent

Understanding the VIX: Wall Street’s Fear Gauge and What It Means for You

Hope and Investing: A Journey Beyond Wishful Thinking

Protecting Your Digital Footprint from Scammers: The Rising Threat in the Age of AI

Active Management As An Investment Strategy

2024 Mid-Year Market Update: Navigating an Unstable Economy

Why High Earners Should Consider a Backdoor Roth IRA

The Glorious History of Annuities: From Ancient Egypt to Modern Times

How AI Could Flag Your Tax Return for an Audit: What You Need to Know to Stay Safe

Could Your Tax Bill in Retirement Be TOO BIG?

Understanding Legislative Risk in Retirement Planning

All Roads Lead to Income: How Guaranteed Lifetime Income Can Transform Retirement Security

Quantitative Models Designed To Provide Risk-Adjusted Returns Over a Full Market Cycle

What Peyton Manning Taught Me: Leadership, Preparation, and the Power of Silence

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