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Photo by: Michael Edminster

A Collaborative Approach to Wealth Management.

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Meet the Collaborators.

We honor trust, responsiveness, and the highest ethical standards as a fiduciary.

Choosing a Financial Partner is a Big Decision.

We're here to help every step of the way. These are some of our most commonly asked questions.

What is a Registered Investment Advisor (RIA)?
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A Registered Investment Advisor (RIA) is a person or firm who advises high-net-worth individuals on investments and manages their portfolios.

RIAs have a fiduciary duty to their clients, which means they have a fundamental obligation to provide investment advice that always acts in their clients' best interests.

GSIA adheres to the Fiduciary Standard. What does that mean?
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An RIA must adhere to a fiduciary standard of care, laid out in the U.S. Investment Advisors Act of 1940. Simply stated, this standard requires the advisor to act in the best interest of the client and to eliminate, or expose to the client, any existing or potential conflicts of interest.

What is your investing philosophy?
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Our philosophy consists of low cost index investing via exchange traded and mutual funds. We selectively use individual stocks and fixed income securities to compliment the index portion of a portfolio.

Studies show over long time horizons (i.e. 5 years or more) very few money managers beat the performance of the index benchmark.  Why pay higher fees for the likelihood of lower performance. We shun high expense  assets and never use an asset with a sales commission (or load).

What’s the difference between GSIA and large commercial firms?
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It’s the degree of intimacy in the personal financial relationship we achieve with clients. We don’t have sales quotas, profit goals, hundreds of clients, and all the other mandates large corporations place on their advisors.

The only metrics that matter to us are whether the client is satisfied with the results, and the relationship.

How are you compensated?
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GSIA is a fee-only investment advisor which means the only compensation comes directly from the client. There are no sales commissions, referral fees, or other compensation from any source whatsoever.

What’s the best way to determine my fit with GSIA?
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Let’s have a non-intimidating, confidential and complimentary conversation. While most of our clients have a high net-worth and average portfolio size of about $850,000 we don’t set arbitrary minimums to work together.

We’ll evaluate if our services match your needs. At the very least you’ll get some free advice in our initial conversation.

Are you ready for a detailed discussion? Contact us at any time to schedule a consultation.

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Visit with Us

4346 W Rose Hill St.
Boise, ID 83705

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Call

(208) 890-5680

Email

ron@gemstateinvestments.com

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Business Hours

8:00 am - 5:00 pm | M-F
by appointment