Gibraltar Financial Advisors

The firm is a sole‑proprietorship investment adviser that provides fee‑only financial planning and investment advice to individual clients, covering topics such as financial objectives, cash flow, tax and retirement planning, education funding, insurance review and estate planning. It does not act as a custodian or place trades for clients and reports no discretionary or non‑discretionary assets under management, delivering advice through consultations and written planning deliverables.

The firm’s investment approach emphasizes strategic asset allocation using a core‑and‑satellite framework — favoring passively managed index funds and ETFs with selectively added active managers — and draws on fundamental, technical and third‑party research sources such as Morningstar. Recommendations are provided for client implementation rather than ongoing portfolio management; the adviser generally does not engage in active trading, margin, options, or assume trading discretion for client accounts.

What is notable compared with peers in the investment‑manager category is the firm’s focus on individual (non‑HNW) clients and its use of an hourly advisory model instead of percentage‑of‑AUM billing; the firm also expressly operates on a fee‑only basis and does not accept commissions or performance‑based fees. The practice is a single‑owner operation with no employees, coordinates referrals to other professionals when needed, and recommends custodians while leaving custody and trade execution to clients or third‑party custodians.