Gemstone Wealth Management

Gemstone Wealth Management is a fee‑only, independent advisory firm run by a single adviser that serves individuals, high‑net‑worth clients, businesses, and employer retirement plan sponsors. The firm provides discretionary investment management, project‑based and ongoing financial planning, and retirement plan management for employer plans and other institutional clients.

The firm develops individualized investment policies and implements asset allocation using a mix of passive and active strategies, drawing on fundamental, technical, cyclical, and modern portfolio theory analyses; typical holdings include stocks, bonds, mutual funds, ETFs, and cash equivalents, with client‑requested allocations such as socially conscious strategies available. Clients can engage on an ongoing or project basis, impose reasonable investment restrictions, and receive periodic account reviews and custodian reporting; the firm generally operates with discretionary trading authority for managed accounts.

Compared with many solo independent advisers, Gemstone explicitly offers institutional and pension consulting services—serving as an ERISA investment manager for retirement plans in some engagements—which is uncommon for a firm of its size and AUM. The firm also conducts educational seminars and maintains a structured arrangement to advise on physical precious metals through a related entity, and its principal holds an advanced private‑wealth certification and graduate business degree, reflecting its focus on plan‑level consulting and client education.