Gibert Wealth Management

Gibert Wealth Management, LLC Form ADV Part 2A-2B July 23, 2026 Gibert Wealth Management, LLC 2820 Selwyn Ave, Suite 420 Charlotte, NC 28209 (704) 575-5349 gibertwealth.com Item 1 – Cover Page This brochure provides information about the qualifications and business practices of Gibert Wealth Management, LLC. If you have any questions about the contents of this brochure, please contact us at (704) 575-5349. The information in this brochure has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority. Registration as an investment adviser does not imply a certain level of skill or training. Additional information about Gibert Wealth Management, LLC also is available on the SEC’s website at www.adviserinfo.sec.gov.  Item 2 – Material Changes This follows our initial brochure dated March 12, 2026 and updates our assets under management. In the future, this Brochure will be amended anytime there is a material change and will include a summary of those changes. Following the SEC and state rules, we will ensure that clients receive a summary of any material changes to this and subsequent Brochures within 120 days of the close of our fiscal year. We may provide other ongoing disclosure information about material changes as necessary. If clients or prospective clients want to learn more about Gibert Wealth Management, LLC please call (704) 575-5349 or visit the SEC’s website at www.adviserinfo.sec.gov. Item 3 – Table of Contents Form ADV Part 2A-2B ......................................................................................................................... 1 Item 1 – Cover Page ......................................................................................................................... 1 Item 2 – Material Changes ................................................................................................................ 2 Item 3 – Table of Contents ................................................................................................................. 2 Item 4 – Advisory Business ............................................................................................................... 3 Item 5 – Fees and Compensation ..................................................................................................... 4 Item 6 – Performance-Based Fees and Side-By-Side Management ................................................. 5 Item 7 – Types of Clients ................................................................................................................... 5 Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss ............................................. 5 Item 9 – Disciplinary Information ....................................................................................................... 7 Item 10 – Other Financial Industry Activities and Affiliations .............................................................. 7 Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading ....... 7 Item 12 – Brokerage Practices .......................................................................................................... 8 Item 13 – Review of Accounts ........................................................................................................... 9 Item 14 – Client Referrals and Other Compensation ......................................................................... 9 Item 15 – Custody ............................................................................................................................. 9 Item 16 – Investment Discretion ........................................................................................................ 9 Item 17 – Voting Client Securities .................................................................................................... 10 Item 18 – Financial Information ....................................................................................................... 10 Form ADV Part 2B ........................................................................................................................... 11 2  Item 4 – Advisory Business Gibert Wealth Management, LLC (“Gibert”) was established to help individuals, families and business owners meet financial needs at every stage of life. Gibert provides investment management services through its Wealth Management program. We also provide services to retirement plans through our Retirement Plan Advisory Services. Gibert is owned by Paul Gibert and was registered in 2026 as an independent registered investment advisor. Wealth Management: Our services are designed to assist clients in meeting their unique financial goals through the use of financial investments. Gibert utilizes various securities, including but not limited to; stocks, bonds, mutual funds, exchange-traded funds (ETF), certificates of deposit, options, real estate investment trusts (REIT), preferred stock, U.S Treasury bonds and other investment programs available through the custodian selected by the client. Please refer to Item 8 for information on risks associated with investments selected by Gibert. We may select or recommend a third-party money manager, sub-advisor or asset management program (collectively referred to as “Program”) to access separate and unaffiliated registered investment advisors (“Independent Managers”). These Independent Managers are available through the Program provided by Charles Schwab & Company. In these situations, the Independent Managers will manage your assets on a discretionary basis. Clients may impose restrictions on purchasing various investments and we will tailor investment management based upon the individual needs of the client. Gibert will consider information provided by the client in determining the appropriate suitability. Clients receive ongoing portfolio construction, investment selection, monitoring, rebalancing, reporting and execution of trades on a discretionary basis, which means we will not obtain client’s consent before making trades. Incidental financial consulting is provided as needed in conjunction with Wealth Management and includes assisting clients with investment advice, financial goals and objectives analysis, as well as financial and retirement planning. However, not all Investment Management clients will require or receive incidental financial consulting. It is possible that we may recommend or utilize alternative investments for clients. It is important for clients to know that alternative investments may create additional risks and be illiquid, meaning clients may be unable to sell the position. More information on the risks associated with alternative investments is discussed in Item 8. Retirement Plan Advisory Services: We provide retirement plan consulting services to employer plan sponsors on an ongoing basis. Generally, such consulting services consist of assisting employer plan sponsors in establishing, monitoring, and reviewing their company's participant-directed retirement plan. As the needs of the plan sponsor dictate, areas of advising could include investment options, plan structure and participant education. Retirement Plan Advisory Services may include establishing an Investment Policy Statement, recommending or selecting investment options, development of asset allocation and portfolio construction and investment monitoring and non-fiduciary participant education. Any services provided under this program are under Section 3(21) of ERISA as designated by the Retirement Plan Advisory Services agreement. 3  Assets: As of June 17, 2026, we managed $315,989,202 on a discretionary basis. Additionally, we do not manage any assets under a sponsored wrap-fee program. Item 5 – Fees and Compensation The fee for Wealth Management is based on the amount of assets under management (“AUM”), as determined by the independent qualified custodian. Clients engage Gibert for Wealth Management by signing an advisory agreement (“Agreement”) that outlines our services, as well as a description of the fees charged (“Advisory Fees”). The Advisory Fees are flat-rates or based on a schedule as noted in the Agreement, but in no case does our annual fee exceed 1.6%. Advisory Fees will be charged quarterly and in advance, based on the value of the AUM at the beginning of the quarter. Cash flows greater than $25,000 from the previous quarter will be adjusted on the next quarterly billing. Accounts opened under the Agreement will be aggregated together for determining AUM during the billing process, which may provide the client a lower Advisory Fee rate. Our standard fee schedule is as follows: Assets Under Management Advisory Fee Rate First $250,000 Next $250,000 Next $500,000 Over $1,000,000 1.60% 1.45% 1.30% 1.15% Advisory Fees we charge are separate and distinct from the fees and expenses charged by investments like mutual funds and exchange traded funds (ETFs). In these cases, the fees and expenses are described in each fund's prospectus or available through common financial websites. These fees will generally include a management fee, other fund expenses, and a possible distribution fee. It’s important to know that if a Program or Independent Manager is used, the fees charged by them will be separate and in addition to our Advisory Fee. Fees for Retirement Plan Advisory Services range from 0% to 1.5% and are fully described in the Retirement Plan Services Agreement the client signs to engage us. Retirement Plan Advisory Fees are paid by the custodian, record-keeper or trustee as authorized by the client in our Retirement Plan Advisory Agreement. The fee is typically charged quarterly and will be either in advance or arrears. In addition to our Advisor Fee, clients are also responsible for the transaction charges, fees and other expenses charged and imposed by the firm (“Custodian”) who holds the client assets. Advisory Fees may be negotiated, lowered or waived for family, friends or based upon the complexity level of the client situation. Clients provide us authorization to electronically debit our fees in the Agreement and custodial paperwork. Clients can cancel the Agreement for Wealth Management without any charges and penalties within 5 business days after contract execution. In the event a client terminates our services Advisory Fees will be charged until the notice of termination is provided by the client. If terminated, we will rebate the unused portion of the Advisory Fee. Advisory Fees are electronically debited from client accounts. The value used to calculate the Advisory Fee will include all positions in the account, cash, dividends, accrued interest and interest payments unless specifically excluded in the Special Instructions section of the Agreement. 4  Representatives are licensed to sell insurance products. This can create a conflict to obtain a commission that Client should understand. We hold to our fiduciary responsibility to provide recommendations in the best interest of the Client. If Clients elect to act on any of the recommendations, the Client is under no obligation to affect the transactions through us. Item 6 – Performance-Based Fees and Side-By-Side Management We do not receive any performance-based fees, nor do we offer side-by-side management of assets. Item 7 – Types of Clients We provide services to individuals, trusts, estates, charitable organizations, non-profits, corporations, associations and other business entities (such as limited liability companies, networks or limited partnerships). Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss Methods of Analysis While the methods of analysis are constantly evolving, many decisions and recommendations are made using the methods noted below. It is important to know that all methods of analysis are subject to being inaccurate in their projection, deduction, or direction—which could result in the Risk of Loss as discussed later in this section. Quantitative Analysis: An analysis technique that seeks to understand behavior by using complex mathematical and statistical modeling, measurement, and research. By assigning a numerical value to variables, quantitative analysts try to replicate reality mathematically. Some believe that it can also be used to predict real-world events, such as changes in the share price. Qualitative Analysis: Securities analysis that uses subjective judgment based on non-quantifiable information, such as management expertise, industry cycles, strength of research and development, and labor relations. This type of analysis technique is different from quantitative analysis, which focuses on numbers. The two techniques, however, are often used together. Modern Portfolio Theory: Is the process of maximizing the expected return of the portfolio for a given amount of portfolio risk. Charting: Includes the review of charts of market and security activity to identify when the market is moving up or down and to predict how long the trend may last and when that trend might reverse. 5  Investment Strategies We have the ability to construct client portfolios using a wide variety of investments, including stocks, bonds, certificates of deposit, exchange traded funds, mutual funds, closed end funds, unit investment trusts, structured notes, options and other investments available through the brokerage firm where client assets are held in custody. While we typically will not include option strategies for portfolios we manage, there may be situations where clients transfer in previously purchased or received options and we will work with the client to dispose of or incorporate the options into their overall investment allocation. Additionally, the portion of cash that is included in the asset allocation is included in the advisory fees. We also use various investment strategies: Long Term Purchases – investments purchased with the expectation to hold the position over a long period of time, typically longer than one year. In addition to the Risk of Loss discussed below, long-term investing has the risk of losing value or not being enough to reach financial goals. Short Term Purchases – investments purchased with the expectation that they will be quickly sold within a short time-period. These investments have the risk of additional taxation and trade cost impacting performance. Margin Transactions – a transaction where the client would borrow money to purchase a security and the underlying position is used as collateral on the loan. Risks of margin could include magnified losses in the event of poor performance. Options – an investment that involves buying or selling a right to purchase or sell a security at a specific price for a specified time. The risk of trading or investing in options includes the expiration of the option with no value, or thinly traded markets which could impact the liquidity of the investment. It should be known that frequent trading can affect investment performance through increased brokerage and other transaction costs and taxes. Risk Information Investing in all types of investments has various risks and all investments have the risk of losing value that clients should be prepared to bear. Some investments for fixed income have the risk of defaulting on interest or principal payments. Investors are also faced with the risk that inflation will outpace the returns of the investment, which lowers the purchasing power of that investor. Rebalancing a portfolio may cause taxable events, which could raise the client’s taxes. Investing in options incurs the risk of the option expiring as well as going down in value. Accounts holding a large cash position risks underperforming other investments that are experiencing higher returns. It is important clients understand that there are numerous risks associated with their investments. If used, Investment Managers may under-perform in their selection of the underlying investments which are subject to the risks noted above. Additional risks include the inaccurate assumptions used in financial projections that could impair the results of a financial plan. Clients must understand that it is impossible to completely predict or project variables that go into financial consulting, such as investment returns, inflation, etc. All financial consulting and planning bears the risk that the advice provided may be inaccurate. We recommend that clients discuss any concerns directly with us. Investing in non- traded REITS incurs the risk of loss, as well as a lack of liquidity. 6  We also help clients through complex and emotional issues that have uncertain and unpredictable outcomes. We strive to provide comprehensive information and assistance to help clients make wise and thoughtful decisions. However, it is important that all clients know we cannot foresee all situations and results may differ significantly from our initial and ongoing analysis. Except where specifically assigned to us, the clients retain the ultimate authority for all decision-making and outcomes. Item 9 – Disciplinary Information Neither Gibert Wealth Management, LLC, nor any affiliated persons have any disciplinary history. Item 10 – Other Financial Industry Activities and Affiliations As noted above, some Representatives are also licensed to sell insurance or affiliated as a registered representative of a broker-dealer and may receive commissions from the sales of insurance products such as life, disability, and fixed annuities or brokerage products. Should a client wish to purchase insurance or brokerage products from the Representatives with assets that are not advisory assets, the client will pay the premium or commission on those assets that are separate and distinct from any Advisory Fee. This could create a conflict for the Representative to sell a product to make a commission—but in all cases the client interests must be placed before ours. Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading We have implemented policies and procedures to govern our employees and to mitigate the conflicts of interest we encounter when providing our advisory services to clients. These include: • A Code of Ethics that each employee is required to review and sign an acknowledgement of receipt and understanding (upon hire, and annually); • Prohibitions on the misuse of material non-public information; • Prohibitions to place their interests in front of clients. • Personal securities trading policies and procedures (governing not only our employee but also the members of their household and any other securities or brokerage accounts where they have beneficial ownership of with a spouse, family member or other person). Employees are not allowed to: o Trade on inside information o “Front-run” or trade in anticipation of client transactions. o Trade or participate in any activity prohibited under the federal securities laws. We strive to achieve the highest ethical and fiduciary standards (in dealing with clients, the public, vendors, prospective clients and each other). As a fiduciary, we have an affirmative duty to act with integrity, competence, and care; this includes disclosing all potential and actual conflicts of interest. We perform services for various other clients. We do not have any material financial interest in recommended securities outside of situations noted in this section. We may give advice or take actions for our clients that differ from the advice given to other clients. Our firm and its “related persons” may buy or sell securities like, or different from, those we recommend to clients for their accounts. 7  To reduce or eliminate certain conflicts of interest involving the firm or personal trading, our policy may require that we restrict or prohibit associates’ transactions in specific reportable securities transactions. We maintain the required personal securities transaction records per regulation. Principals and supervised persons of our firm may also invest in securities at the same time, before, or after clients. To reduce or eliminate certain conflicts of interest involving the firm or personal trading, our policy may require that we restrict or prohibit associates’ transactions in specific securities transactions. As mentioned above, we maintain the required personal securities transaction records per regulation. The timing or nature of any action taken for all clients or other sponsors may also vary. For more information or to request a copy of our Code of Ethics, please contact us at (704) 575-5349. Item 12 – Brokerage Practices For Investment Management Individual Accounts, we will likely recommend Charles Schwab as the (“Custodian”) for assets, although the client is ultimately responsible for selecting the Custodian. We receive certain services and economic benefits from Charles Schwab & Company (“Custodian”) that are typically not offered to retail investors. These benefits are provided to us for utilizing their custodial and brokerage services for our clients’ accounts. The benefits we receive include, but are not limited to, trading costs, electronic access to trading and client accounts, discounts or payments for software, historical relationship with us, execution capabilities, reputation, financial strength, products and services, compliance, research and technology and other operational support that may benefit us, but not the client. Transfer fees charged by the previous custodian can be reimbursed by the Custodian directly to client accounts. Benefits also include covering specific expenses for compliance or technology based on the assets moved to Custodian. This arrangement presents a conflict of interest because the economic benefits we receive from Custodian may influence our recommendation to clients to use their services, rather than a custodian that may charge less or offer different services. Our decision to recommend the Custodian is based on a range of factors, including the services, technology, and support it provides, which we believe ultimately assists us in delivering efficient advisory services to our clients. We address this conflict by disclosing the arrangement to you in this brochure. We always uphold our fiduciary duty to seek the best overall combination of value, service, and price for your account. You are not required to use Charles Schwab as your custodian; however, if you choose another custodian, we may not be able to provide all our services, or the services may be less efficient. In all cases, we must place the interests of the client in front of our own. If clients select an alternative broker-dealer for their assets, they may pay a higher commission and prohibit us from blocking transactions. We do not receive client referrals from any custodian or third parties. Some clients may be traded on models, but it is possible that rebalancing/trading accounts are done so randomly, which could result in clients holding different positions and receiving higher or lower prices than other accounts with similar investment objectives. It may be possible for employees to buy or sell securities in their personal accounts that were also purchased in the client account. By not aggregating or block trading through model trading, clients may receive different execution prices than other clients with similar objectives. However, in the event we enter a block (aggregated) trade and we received a partial allocation, then all clients would receive a pro-rata allocation. As noted earlier we have a strict policy against using the trade flow of clients to economically benefit us or our employees. 8  Item 13 – Review of Accounts Client accounts are reviewed on a regular basis, typically on a quarterly basis. However, clients may request more frequent reviews. There are many factors that might bring about a review of accounts, including regular review dates, supervision reviews, economic changes, political disruptions or other market activity. We encourage clients to carefully review the written reports we provide as well as the statements provided by the Custodian. Clients should rely on the statement for the actual value of the account. We may also provide clients with reports which may have a different value than statements provided by the Custodian. This difference could be due to trade-date versus settlement date reconciliations, accrued interest, or the exclusion of a position that is not included in management or billing. Also, we encourage clients to contact their Custodian immediately if they do not receive their statement directly from the Custodian. For further information on any billing information contained in your reports, please refer to Item 5 of this document as well as the Advisory Agreement. Supervision of the firm is the responsibility of the Chief Compliance Officer or their assignees. The review includes the performance of the accounts and positions. It is critical that clients report any changes in their financial situation so we can ensure they are invested properly. If you have any questions on the supervision or review of accounts, please call (704) 575-5349. Item 14 – Client Referrals and Other Compensation As mentioned earlier, we receive certain indirect benefits from the Custodian. We may also receive additional non-monetary compensation from various vendors, product providers, distributors, and others. These providers may provide compensation by paying some expenses related to training and education, including travel expenses, and attaining professional designations. We might receive payments to subsidize our own training programs. Certain vendors may invite us to participate in conferences, on-line training or receive publications that may further our skills and knowledge. Some may occasionally provide us with gifts, meals, and entertainment of reasonable value consistent with industry rules and regulations. However, we do not receive or pay any compensation, directly or indirectly, for client referrals. Item 15 – Custody As noted in the Advisory Agreement signed by the client, we take custody when we deduct our advisory fee directly from client accounts. Additionally, we are reporting custody on certain accounts where the client has requested the ability to electronically transfer assets to a third-party through a standing limited power of attorney (known as a SLOA). Although we do not have any relationship, affiliation or share an address with any of the third parties, we are following SEC guidelines to report having custody of these assets. Item 16 – Investment Discretion Clients engage us on a discretionary basis by executing the Agreement, granting full authority to buy, sell, or otherwise effect investment transactions in the accounts. Clients may note investment restrictions on the special instructions section of the Agreement, by email or in writing. 9  Item 17 – Voting Client Securities We do not vote proxies on behalf of clients. Clients will receive all proxy voting materials directly from the custodian. The client maintains exclusive responsibility for voting all proxies generated from the securities, although we are available to assist with any questions. Item 18 – Financial Information We do not have any financial issue or situation that would impair our ability to deliver services to our clients. Nor has the firm or any principal shareholders filed bankruptcy. Additionally, we do not require prepayment of advisory fees more than $1,200 per client, six months or more in advance. 10  Gibert Wealth Management, LLC Form ADV Part 2B July 23, 2026 Paul Gibert, CFP® CRD #2776895 Investment Advisor Representative Gibert Wealth Management, LLC 2820 Selwyn Ave, Suite 420 Charlotte, NC 28209 (704) 575-5349 gibertwealth.com This Form ADV Part 2A (“Brochure”) is a very important document between clients and Gibert Wealth Management, LLC (“Gibert”, “us”, “we”, “our”). The oral and written communications provided to clients and prospects, including this Brochure, is information that can be used to evaluate and hire us (and other advisors). This Brochure provides information about our qualifications and business practices. If clients have any questions about the contents of this Brochure, please contact us at (704) 575-5349. The information in this Brochure has not been approved or verified by the United States Securities and Exchange Commission or by any State Securities Regulatory Authority. We are an Investment Adviser registered with the Securities and Exchange Commission. Our registration as an Investment Adviser does not imply any level of skill or training. Additional information about our firm (and our employees) is available to clients for free, by visiting www.adviserinfo.sec.gov and our CRD number is 341458. 11  Item 2 – Educational Background and Business Experience Paul Gibert was born in 1960. Paul Gibert graduated from Louisiana State University in 1983 with degree in Engineering Technology. Paul has been in the financial services industry since 1996 and is a Certified Financial Planner (CFP®). Most recently he was a registered representative with Kestra Investment Services, LLC, formerly with NFP Securities from 2010 to 2026. He was an investment advisor representative with Kestra Advisory Services, LLC from 2016 to 2026. In 2026 he started Gibert Wealth Management, LLC, where he is an owner and investment advisor representative. The CFP® designation identifies individuals who have completed the mandatory examination, education, experience, and ethics requirements mandated by the CFP® Board. Candidates must have at least three years of qualifying work experience. CFP® candidates must pass an examination that covers over 100 financial planning topics, which broadly include: investment, financial, retirement, estate and insurance planning, risk management, employee benefits planning, income tax planning. The designation has ongoing ethics requirements and oversight by the CFP® Board and 30 hours every two-years of continuing education. Item 3—Disciplinary Information There are no disciplinary events to report for Mr. Gibert. Item 4—Other Business Activities There are no other business activities to report for Mr. Gibert Item 5—Additional Compensation In addition to fees received for advisory services, Paul Gibert receives additional compensation for licensed insurance and annuity sales. He may receive non-cash compensation in the form of trips or conferences for due diligence, marketing, compliance or other reasons for insurance sales. Item 6—Supervision Paul Gibert is the Chief Compliance Officer and is responsible for trading, account overview and supervision for all accounts, including accounts managed by the firm. All advisory accounts opened are supervised in accordance with the Policies and Procedures established by Gibert Wealth Management, LLC. For any question on the supervision of accounts, clients may reach Mr. Gibert at (704) 575-5349. 12  Gibert Wealth Management, LLC Form ADV Part 2B July 23, 2026 Brenton Smith CRD #2246178 Investment Advisor Representative Gibert Wealth Management, LLC 2820 Selwyn Ave, Suite 420 Charlotte, NC 28209 (704) 575-5349 gibertwealth.com This Form ADV Part 2A (“Brochure”) is a very important document between clients and Gibert Wealth Management, LLC (“Gibert”, “us”, “we”, “our”). The oral and written communications provided to clients and prospects, including this Brochure, is information that can be used to evaluate and hire us (and other advisors). This Brochure provides information about our qualifications and business practices. If clients have any questions about the contents of this Brochure, please contact us at (704) 575-5349. The information in this Brochure has not been approved or verified by the United States Securities and Exchange Commission or by any State Securities Regulatory Authority. We are an Investment Adviser registered with the Securities and Exchange Commission. Our registration as an Investment Adviser does not imply any level of skill or training. Additional information about our firm (and our employees) is available to clients for free, by visiting www.adviserinfo.sec.gov and our CRD number is 341458. 13  Item 2 – Educational Background and Business Experience Brenton Smith was born in 1964. Brenton Smith graduated from the University of North Carolina at Chapel Hill in 1986 with a Bachelor's degree in History and Geography. He also obtained a Masters in Business Administration with a concentration in Finance from University of North Carolina at Chapel Hill in 1996. Most recently, Brenton was a registered representative with Kestra Investment Services, LLC from 2023 to 2026. Prior to joining Kestra, he was a registered representative with UMERGENCE LLC from 2021 to 2022 and served as a financial consultant with BB&T Securities, LLC from 2018 to 2019. Earlier in his career, he was a financial advisor with Merrill Lynch, Pierce, Fenner & Smith Incorporated from 2014 to 2017 and held various positions with J.P. Morgan Securities Inc. from 2006 to 2011. In 2026, he joined Gibert Wealth Management, LLC, where he serves as an Investment Advisor Representative. Item 3—Disciplinary Information There are no disciplinary events to report for Mr. Smith. Item 4—Other Business Activities Brenton Smith currently serves as the President of the Alumni Board for Delta Kappa Epsilon at University of North Carolina at Chapel Hill for roughly two to four hours per month during non-working hours. Item 5—Additional Compensation No other additional compensation. Item 6—Supervision Paul Gibert is the Chief Compliance Officer and is responsible for trading, account overview and supervision for all accounts, including accounts managed by the firm. All advisory accounts opened are supervised in accordance with the Policies and Procedures established by Gibert Wealth Management, LLC. For any question on the supervision of accounts, clients may reach Mr. Gibert at (704) 575-5349. 14