Thomas P. Gibson is a Series 7 fully-licensed broker and financial advisor. He started Investor Services for Lumbee Guaranty in 2001, and now works with nearly 400 households in our coverage area. One does not have to do other business with Lumbee Guaranty to take advantage of his services.

A native of Scotland County, Mr. Gibson is a graduate of Emory University in Atlanta, Georgia. He had a successful career in Manufacturing Management and Consulting, mostly in the textile and apparel industries. He reoriented his career path in 1999 toward financial services, a long-time interest of his.

All securities necessary for your portfolio to meet your requirements and goals are available through Lumbee Guaranty Financial Services and our Registered Financial Advisor, Mr. Tom Gibson.

These include common stocks, corporate bonds, mutual funds, municipal bonds, derivatives (options), Real Estate Investment Trusts (REITs), and U. S. government agency notes.

We offer no proprietary products, and therefore are able to assure clients that we have no incentive to recommend anything other than that which is in their best interest, given their goals, risk tolerance, and time horizons.

"You don't have to thrash around in the market to do well," says Mr. Gibson. "Diversity and patience are the keys to investor success." In other words: once you have settled on an investment approach, spread whatever risk there is around. Then be patient, stick with the plan, and let the market do what it has always done over time.

The most successful investors will share truthfully their financial "big picture" with a trusted, professional advisor. Like a doctor, he or she can then prescribe the right "medicines and dosages" to achieve the desired results with a minimum of "side effects."

From our Financial Advisor's desktop, stocks and mutual funds can be bought or sold, on the Exchange with the most advantageous price. A quick phone call to our excellent Bond Trading Department gives access to every offering in the Bond Market at that time.

On-line trading is not offered. We feel that a good parallel example of on-line trading would be a "Do-it-yourself Appendectomy" kit!

Fill in a form with your account numbers and internet information for access to your brokerage accounts from your computer. Once your form has been processed, you will be e-mailed your PIN to gain access to view that information anytime you like.

As stated elsewhere here, for good reasons, on-line trading is not offered.

"There are only two reasons to have an annuity: in case you live, or in case you die."

Everyone wants their investment protected for their heirs in case they die. Likewise, they want their investment to grow, but to be protected so there is money to take that lifetime income from when they decide to do so.

Fixed annuities are like "designer" bonds or CDs. Nowadays, while interest rates are fairly low, one which adjusts annually with market interest rates would be a good choice. Many offer 1st-year bonuses.

Variable annuities offer many benefits, such as being able to take advantage of the up-side of the Market, with protection from its downside.

Beginning in 2011, when the first of the "Baby Boomers" turn 65, our economy will begin to shift from an accumulation emphasis to a distribution orientation. Many will live well into their 90s. With annuities, you can't outlive your money.

Do you have an up-to-date Will? That'll be one of the first questions we ask when discussing with you the disposition and taxation management of your estate. If you haven't taken care of this important matter, please consult your attorney now.

"I'm not rich!" Doesn't matter. If you don't want the State in charge who gets what, or if you do want your family to go through this difficult transition without unnecessary pain, burden, and expense - then have a Will drawn up and recorded.

We will work with your attorney and professional tax advisor to position you now for minimizing taxes and difficulties for your family, at that time when they will be facing so many new challenges.