Gibson Capital was founded in 1989 by Roger Gibson and is now owned by a group of next-generation principals, with no single person holding 25% or more of the firm following a succession plan begun in 2020. The firm is fee-only and uses a strategic asset allocation approach, implementing portfolios through low-cost mutual funds, ETFs, and outside separate account managers rather than picking individual stocks or bonds. Gibson's standard fee schedule is not negotiable. The firm maintains separate, lower fee schedules for charitable accounts and for qualified retirement plans.
Overview
- Headquarters
- Wexford, PA
- Total Firm Assets
- $3.0 billion
- Average High-Net-Worth Client Portfolio Size
- $8.8 million
- Stated Minimum Account Size
- $3,000,000
Recent Rankings
Fee Disclosure
Source: GIBSON CAPITAL, LLC FORM ADV PART 2A (2026-03-12) · View brochure text
| Min | Max | Disclosed Annual Rate |
|---|---|---|
| $0 | $4,000,000 | 0.70% |
| $4,000,001 | $8,000,000 | 0.50% |
| $8,000,001 | $12,000,000 | 0.30% |
| $12,000,001 | and above | 0.20% |
Estimated Annual Advisory Fees
| Portfolio Value | Estimated Annual Fee | Effective Fee Rate |
|---|---|---|
| $1 million | Below minimum client size | |
| $5 million | $33,000 | 0.66% |
| $10 million | $54,000 | 0.54% |
| $50 million | $136,000 | 0.27% |
| $100 million | $236,000 | 0.24% |
Actual fees may vary; other investment costs may apply.
Compare fees: lowest-fee advisors in Pennsylvania for $2M portfolios · $10M portfolios
Clients
- High-Net-Worth Share of Firm Assets
- 50.91%
- Number of High-Net-Worth Clients
- 175
- Total Client Accounts
- 1,264
- Discretionary Accounts
- 1,253
- Non-Discretionary Accounts
- 11
Services Offered
Services: Financial Planning, Portfolio Management for Individuals, Portfolio Management for Institutional Clients
Regulatory Filings
- SEC CRD Number
- 148836
- GIBSON CAPITAL, LLC FORM ADV PART 2A (2026-03-12) (fee schedule source) · View brochure text
View firm on SEC ↗ · Current Form ADV (PDF) ↗