Gilbert Investment Management

The firm provides investment supervisory services and financial planning for individuals (including high-net-worth clients), trusts, municipalities, small businesses, pension and profit sharing plans, estates and charitable organizations. It operates as a fee-only adviser and offers both discretionary and non-discretionary portfolio management alongside broader planning services such as tax planning, retirement and education funding, placing trades under a limited power of attorney while clients retain custody of assets.

Investment decisions are guided by a documented investment policy and a core-satellite strategic asset allocation that uses passive index and ETF exposures as the core and selectively adds active managers; portfolios are globally diversified to manage market concentration risk. The firm conducts periodic reviews, provides net worth statements that include non-investment assets, and uses third-party research sources (for example, Morningstar and other industry research platforms) to inform recommendations.

Notable distinctions for a small, two-advisor practice managing under $20 million include an explicit policy of not accepting proxy-voting authority and a clear avoidance of custody—clients maintain direct asset control—and the firm discloses that it may serve as trustee for related trusts in certain familial situations. Operationally the firm documents tailored client agreements and maintains a business continuity program with encrypted off-site backups and a secondary office, and it requires formal education or equivalent experience and professional credentials for its advisors.