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.
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
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.
include common stocks, corporate bonds, mutual funds, municipal
bonds, derivatives (options), Real Estate Investment Trusts
(REITs), and U. S. government agency notes.
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.
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.
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."
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
trading is not offered. We feel that a good parallel
example of on-line trading would be a "Do-it-yourself
Brokerage Account Access
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.
stated elsewhere here, for good reasons, on-line trading
is not offered.
- Fixed, Variable
are only two reasons to have an annuity: in case you live,
or in case you die."
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.
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
annuities offer many benefits, such as being able to take
advantage of the up-side of the Market, with protection from
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.
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.
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.
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.
Plans - Individual
Plans - Business
Insurance - Individual, Family
Insurance - Group
Care / Medicare Supplement
Accounts Receivable Financing & Protection