Wayne Gilbert & Company

The firm provides one-time financial planning services primarily to individual clients, delivering a written report of recommendations and not providing ongoing investment supervisory services or account management. The adviser performs services on a non‑discretionary basis and focuses its analysis on clients’ financial circumstances, cash flow, insurance, and long‑term goals.

The firm’s process centers on long‑term financial planning and efficient asset allocation: it collects client‑supplied information and third‑party account statements, prepares a written plan typically delivered within about three months, and leaves implementation to the client, who is encouraged to work with attorneys, accountants, or brokerage representatives. It charges fixed or hourly planning fees billed directly and does not manage client accounts; implementation can result in separate transaction commissions if recommendations are implemented through the adviser’s broker‑dealer or insurance capacities.

Distinctive features include that the sole proprietor concurrently serves as a registered representative of a broker‑dealer and as a commission‑licensed insurance agent and dedicates primary time to those broker‑dealer and insurance activities, creating potential conflicts when recommending implementation through those channels. Also uncommon for firms in this category, the adviser relies on one‑time planning engagements billed hourly or fixed rather than percentage‑of‑AUM account management, and the firm has been operated by the same sole proprietor since the early 1980s.