{"url":"https://nivawealth.com/firms/gibson-financial-solutions-117831","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/117831","regulatoryAum":133747738,"crd":"117831","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"5307332","suffix":null,"lastName":"PANGBURN","firstName":"PAUL","middleName":"EJ"}],"total":1,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2025-03-06","regulatoryAum":124927944,"clients":154,"employees":2,"offices":1},{"filedOn":"2026-03-11","regulatoryAum":133747738,"clients":153,"employees":2,"offices":1}],"secFileNumber":"801-131019","legalName":"Gibson Financial Solutions, Inc.","displayName":"Gibson Financial Solutions","slug":"gibson-financial-solutions-117831","website":"https://gibsonfinancialsolutions.com/","logo":{"src":"https://rmkhnxnbeclogprvkfyl.supabase.co/storage/v1/object/public/firm-logos/117831/1351c1dd95b3c837-r1.webp","tone":"light","width":525,"height":200,"sourceUrl":"https://gibsonfinancialsolutions.com/","sourceLabel":"Gibson Financial Solutions, Inc., website"},"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"Maine corporation","fiscalYearEnd":"December","headquarters":{"street":"67 Franklin Street","city":"Ellsworth","state":"ME","stateName":"Maine","country":"United States","postalCode":"04605"},"tradeNames":[],"registration":{"secApproved":"9 September 2024","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":874168.2222222222,"staff":{"employees":2,"advisory":1,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":133747738,"discretionary":121601151,"discretionaryAccounts":417,"nonDiscretionary":12146587,"nonDiscretionaryAccounts":16,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":29},"clientTypes":[{"label":"Individuals (other than HNW)","clients":129,"regulatoryAum":62009470},{"label":"High-net-worth individuals","clients":24,"regulatoryAum":71738268}],"feePrograms":[{"role":"main","program":"Investment advisory agreement fee","feeBasis":"marginal","fee_tiers":[{"to":1000000,"pct":1,"from":0},{"to":3000000,"pct":0.5,"from":1000000},{"to":null,"pct":0.25,"from":3000000}],"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1017171","versionId":1017171,"ratePeriod":"annual","fee_billing":"arrears","submittedOn":"2026-03-11","documentName":"ADV 2A","fee_rate_low":0.25,"fee_rate_high":1,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Financial planning and consulting","summary":"Hourly at $200 per hour for financial plans and consulting, typically 3 to 15 hours depending on complexity; billed on completion of the engagement.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1017171","versionId":1017171,"submittedOn":"2026-03-11","documentName":"ADV 2A"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T12:26:32.956182+00:00","documents":[{"name":"ADV 2A","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1017171","versionId":1017171,"submittedOn":"2026-03-11"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":133747738}],"custodyNote":"Gibson Financial Solutions does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Paul Pangburn","title":"President/Chief Compliance Officer","crd":"5307332"}],"ownership":[{"label":"Paul Pangburn","detail":"President/chief compliance officer in the 75% or more ownership band and a control person, since January 2019."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Maine","offices":1,"addresses":[{"street":"67 Franklin Street","city":"Ellsworth","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"207-667-9993","stateRegisteredReps":1,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Educational seminars/workshops"],"financialPlanningClients":"26-50","assetMix":[{"label":"Exchange-traded equity securities","percent":6},{"label":"U.S. state and local bonds","percent":6},{"label":"Securities issued by registered investment companies or business development companies","percent":70},{"label":"Cash and cash equivalents","percent":18}],"privateFunds":0},"sources":{"adv1FilingDate":"11 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/117831/PDF/117831.pdf","brochureDate":"11 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1017171","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does Gibson Financial Solutions have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Gibson Financial Solutions offer?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Gibson Financial Solutions charge?","answer":"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","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Gibson Financial Solutions use?","answer":"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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Gibson Financial Solutions have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Gibson Financial Solutions invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Gibson Financial Solutions?","answer":"Gibson Financial Solutions’ direct owner is Paul Pangburn (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 11 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Gibson Financial Solutions get paid?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Gibson Financial Solutions?","answer":"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.","source":"Form ADV Part 1A, Item 1.F, filed 11 March 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}