Gemstone Wealth Management
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$11,012,800
Clients
8
100% high-net-worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor with up to 2 employees
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
8
LowAverage account size
$1,376,600
About
Gemstone Wealth Management is a fee‑only, independent advisory firm run by a single adviser that serves individuals, high‑net‑worth clients, businesses, and employer retirement plan sponsors. The firm provides discretionary investment management, project‑based and ongoing financial planning, and retirement plan management for employer plans and other institutional clients.
The firm develops individualized investment policies and implements asset allocation using a mix of passive and active strategies, drawing on fundamental, technical, cyclical, and modern portfolio theory analyses; typical holdings include stocks, bonds, mutual funds, ETFs, and cash equivalents, with client‑requested allocations such as socially conscious strategies available. Clients can engage on an ongoing or project basis, impose reasonable investment restrictions, and receive periodic account reviews and custodian reporting; the firm generally operates with discretionary trading authority for managed accounts.
Compared with many solo independent advisers, Gemstone explicitly offers institutional and pension consulting services—serving as an ERISA investment manager for retirement plans in some engagements—which is uncommon for a firm of its size and AUM. The firm also conducts educational seminars and maintains a structured arrangement to advise on physical precious metals through a related entity, and its principal holds an advanced private‑wealth certification and graduate business degree, reflecting its focus on plan‑level consulting and client education.
Client services
Financial planning
Portfolio management
Pension consulting
Educational seminars or workshops
Expertise
Business ownership considerations
Cash flow / budgeting
College savings (529s, UTMA, etc.)
Retirement withdrawal strategies
Fee options
Financial Planning initial fee $500 - $20,000; Project-Based Financial Planning fixed fee $500 - $20,000; Educational Seminars $200 - $3,000 per seminar
2% annually, flat fee, may be negotiable at discretion
Ongoing Financial Planning fees $400 - $2,000 per month, paid monthly in advance
Fee-only: Yes, firm is fee-only with no commissions or sales-related compensation
Main office location
Gemstone Wealth Management
Delray Beach FL, United States
Number of offices
1
Most active in
Gemstone Wealth Management has reported serving >5 clients in these states in the last 12 months.
Florida · New York
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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