Notable Quote

We are what we repeatedly do. Excellence, therefore, is not an act but a habit. Aristotle



Charles Schwab provides custodial services. This means client account assets reside at Schwab for safekeeping, securities processing (e.g. purchases and sales) and recordkeeping services. Schwab is the largest provider of custodial services to independent investment advisors in the United States. Protection is also afforded by the Securities Investor Protection Corporation (“SIPC”), of which Schwab is a member. SIPC protects the securities of its members’ customers up to $500,000 (including $100,000 for claims for cash).  Schwab has added an additional safeguard in the form of “excess SIPC” protection. This excess protection is via an insurance policy with Lloyd’s of London and others to bring total protection of client assets to a level of $150 million (including $1 million of cash).  Gem State Investment Advisors clients can view and access their accounts online at Schwab 24 hours per day, every day of the year.





We are members of the Vanguard Financial Advisor network. Some client situations call for mutual funds or exchange traded funds (ETF), either solely or as a blended strategy with individual securities. Vanguard ‘s vast selection of  mutual funds and ETFs,  record of success,  low expenses, and high integrity make them a fitting partner for our firm.


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