Gibson Financial Solutions provides financial planning, portfolio management for individuals and small businesses, and educational seminars. Financial planning was provided to 26–50 clients last fiscal year.
Gibson Financial Solutions reports 153 clients. They include 129 individual clients and 24 high-net-worth individuals. Of its assets, 90.9% ($122M across 417 accounts) are managed with discretion; $12.1M across 16 accounts are not. It advised 29 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 84% | 46% |
| High-net-worth individuals | 16% | 54% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 129 | $62M | 46.4% | $481K |
| High-net-worth individuals | 24 | $71.7M | 53.6% | $2.99M |
| Total | 153 | $134M | 100% | $874K |
- Clients
- 129
- Regulatory AUM
- $62M
- AUM share
- 46.4%
- Avg. per client
- $481K
- Clients
- 24
- Regulatory AUM
- $71.7M
- AUM share
- 53.6%
- Avg. per client
- $2.99M
Total
- Clients
- 153
- Regulatory AUM
- $134M
- AUM share
- 100%
- Avg. per client
- $874K
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 29
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 26–50
Gibson Financial Solutions charges 0.25%–1.00% a year for its Investment advisory agreement fee. Each asset band is charged at its own rate. The fee is billed in arrears and is negotiable. The brochure also prices one other service, listed under fee details.
| Asset band | Annual rate |
|---|---|
| $0–$1M | 1.00% |
| $1M–$3M | 0.50% |
| $3M and above | 0.25% |
Fee details and sources
Other fees
- Financial planning and consulting
- Hourly at $200 per hour for financial plans and consulting, typically 3 to 15 hours depending on complexity; billed on completion of the engagement.
Paul Pangburn owns 75% or more of Gibson Financial Solutions. The leadership team of Gibson Financial Solutions includes President Paul Pangburn. It has 2 employees, 1 of them in advisory roles.
Staff
- 2 employees
- 1 in advisory functions
- 1 state-registered rep
- Owns 75% or more of Gibson Financial Solutions, Inc.
Paul Pangburn
Control person · since January 2019
Gibson Financial Solutions’ regulatory assets grew from $125M (March 2025) to $134M (March 2026); clients were 153 in both filings and employees were 2 in both filings.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | StaffEmployees | Offices |
|---|---|---|---|---|
| Mar 2026March 2026 | $134M | 153 | 2 | 1 |
| Mar 2025March 2025 | $125M | 154 | 2 | 1 |
Besides its headquarters, Gibson Financial Solutions has 0 offices, with 1 listed address in 1 state.
Maine · 1 listed address
- 67 Franklin Street, EllsworthHQ
Contact and registration details
- Legal name
- Gibson Financial Solutions, Inc.
- Headquarters
- 67 Franklin Street, Ellsworth, ME 04605
- Website
- gibsonfinancialsolutions.com
- Phone
- 207-667-9993
- SEC file
- 801-131019
- Structure
- Maine corporation
- Fiscal year end
- December
Gibson Financial Solutions’ named custodian for separately managed accounts is Charles Schwab ($134M). Gibson Financial Solutions does not have custody of client assets.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $134M100%
At year end, Gibson Financial Solutions’ separately managed accounts were mostly in funds (70%) and cash (18%).
What the accounts hold
- Stocks6%
- Funds70%
- Bonds6%
- Cash18%
How many clients does Gibson Financial Solutions have?
Gibson Financial Solutions has 153 clients and manages $134 million for them, as of March 2026. They include 129 individual clients and 24 high-net-worth individuals.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 11 March 2026
What services does Gibson Financial Solutions offer?
Gibson Financial Solutions provides financial planning, portfolio management for individuals and small businesses, and educational seminars.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does Gibson Financial Solutions charge?
Gibson Financial Solutions charges 0.25%–1.00% a year for its Investment advisory agreement fee. Each asset band is charged at its own rate. The fee is billed in arrears and is negotiable.
Source: ADV 2A, filed 11 March 2026
Which custodians does Gibson Financial Solutions use?
Gibson Financial Solutions’ separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $134M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 11 March 2026
How many financial advisors does Gibson Financial Solutions have?
Gibson Financial Solutions has 1 investment adviser representative registered with state securities authorities, out of 2 employees, and 1 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Gibson Financial Solutions invest in?
At the end of its last fiscal year, Gibson Financial Solutions’ separately managed accounts held 70% registered funds (mutual funds, ETFs, BDCs), 18% cash and equivalents, 6% exchange-traded equities and 6% state and local bonds.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Gibson Financial Solutions?
Gibson Financial Solutions’ direct owner is Paul Pangburn (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 11 March 2026
How does Gibson Financial Solutions get paid?
Gibson Financial Solutions is paid through a percentage of assets under management, hourly charges and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
How do I contact Gibson Financial Solutions?
Gibson Financial Solutions’ main office is at 67 Franklin Street, Ellsworth, ME 04605. Its phone number is 207-667-9993. Its website is gibsonfinancialsolutions.com.