Gibson Capital

Gibson Capital • 3-Dimensional Investing
• Safe Money Strategies
• Private Pensions
• Legacy Planning
• Long Term Care Strategies

Everyone is talking about AI.Not as many people are talking about WHAT it runs on.AI runs on electricity. WAYYY more of ...
07/31/2026

Everyone is talking about AI.

Not as many people are talking about WHAT it runs on.

AI runs on electricity. WAYYY more of it than most people realize.

Eric Schmidt, Google's former CEO, told Congress the country needs 92 gigawatts of new power to keep up. The average nuclear plant makes about 1.5. That is roughly 60 new nuclear plants.

So the big tech companies are building like crazy. Amazon, Google, Meta and Microsoft are spending about $725 billion this year, more than FOUR times what they spent before ChatGPT came out.

Which is why energy, utilities, and industrials have my attention.









Disclaimer: Investment advisory services are offered through Alpha Innovators, LLC dba Gibson Capital, a Registered Investment Advisor (RIA). The investment-related information provided here is for informational purposes only, does not constitute investment, tax, legal, or other professional advice, and is not an offer to buy or sell, or a solicitation of any offer to buy or sell, any securities or investment products. Different types of investments involve varying degrees of risk, and there is no guarantee that any investment strategy will be profitable or suitable for your portfolio. Information provided may not be applicable to any specific individual's situation and should not be relied upon without consulting a qualified professional who understands your personal circumstances.

Sources: Schmidt testimony, U.S. House Energy and Commerce, 4/9/25 (docs.house.gov). Q2 2026 company guidance via CNBC, 2022 baseline via Visual Capitalist. Virginia Mercury and PJM interconnection queue (pjm.com). Rio Tinto SEC Form 8-K, 1/15/26 (sec.gov). Analyst estimates, Reuters via Yahoo Finance.

We're not even in a recession yet, and some stocks are getting absolutely obliterated!!  These aren't small companies. T...
07/29/2026

We're not even in a recession yet, and some stocks are getting absolutely obliterated!!

These aren't small companies. These are some of the most recognizable names out there.

This is exactly why we build portfolios to lower the chances of these types of drawdowns. Especially when the market is up.

Protection isn't pessimism. It's preparation.

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Disclaimer: Investment advisory services are offered through Alpha Innovators, LLC dba Gibson Capital, a Registered Investment Advisor (RIA). The investment-related information provided here is for informational purposes only, does not constitute investment, tax, legal, or other professional advice, and is not an offer to buy or sell, or a solicitation of any offer to buy or sell, any securities or investment products. Different types of investments involve varying degrees of risk, and there is no guarantee that any investment strategy will be profitable or suitable for your portfolio. Information provided may not be applicable to any specific individual's situation and should not be relied upon without consulting a qualified professional who understands your personal circumstances. All investments have the potential for profit or loss, and past performance does not guarantee future results. Investment results may be affected by economic factors, market conditions, and investment strategies, and there are no assurances that any portfolio will match or outperform any benchmark. The investments and strategies discussed do not represent all securities purchased, sold, or recommended for clients. Information has been obtained from sources believed to be reliable, but Alpha Innovators, LLC dba Gibson Capital does not guarantee its accuracy or completeness and assumes no responsibility for updating any information. Advisory services are only offered to clients or prospective clients where Alpha Innovators, LLC dba Gibson Capital and its representatives are properly licensed or exempt from licensing.

Think of your portfolio like a multi-lane highway. When one lane gets blocked or traffic backs up, (stocks during a rece...
07/27/2026

Think of your portfolio like a multi-lane highway.

When one lane gets blocked or traffic backs up, (stocks during a recession, bonds during inflation), capital shifts to the fast lane.

Gold is that fast lane.

During the 1970s stagflation, gold rose over 2,000% while stocks delivered flat real returns.

In 2022, stocks and bonds fell together, breaking the 60/40 model, and investors holding gold had a buffer.

Our UMA models can include gold alongside stocks, bonds, ETFs, other commodities, alternatives and the dollar because we plan for FOUR economic environments:

- Growth
- Inflation
- Stagflation
- Recession

Gold is built for when things get ugly.

We don't predict the future or time the market. We just help your portfolio to have a car in the lane that is moving faster when traffic jams up.

Learn more about the limits and considerations of Gold below.

Investment advisory services offered through Alpha Innovators, LLC dba Gibson Capital. Informational purposes only. Past performance does not guarantee future results.

In recent years, Americans have heard a lot of chatter about the Federal Reserve’s impact on interest rates and inflatio...
07/17/2026

In recent years, Americans have heard a lot of chatter about the Federal Reserve’s impact on interest rates and inflation. But what exactly does the Federal Reserve (Fed) do?

Swipe through to learn the basics of the Fed, its goals, and why it matters! ➡️

A successful retirement plan is not just about how much you have saved. It is also about how you structure your income a...
07/15/2026

A successful retirement plan is not just about how much you have saved. It is also about how you structure your income and expenses.

Understanding the difference between essential and discretionary spending can help create a more resilient and adaptable financial strategy.

Here’s a general guide of recommended retirement savings by age: By 30 - Save an amount equal to your annual salary.By 4...
07/13/2026

Here’s a general guide of recommended retirement savings by age:

By 30 - Save an amount equal to your annual salary.
By 40 - Aim for three times your annual salary.
By 50 - Have six times your salary saved.
By 60 - Have eight times your annual earnings saved.
By 67 - Target ten times your annual salary in savings.

Remember, everyone's journey is unique.

Some lifestyles in retirement require more than this, but this is a good rule of thumb as a starting point.

If you're feeling behind let's get you on track!

Are you on track for a comfortable retirement? It's time to rethink the old $1 million savings goal and adapt to today's...
07/09/2026

Are you on track for a comfortable retirement? It's time to rethink the old $1 million savings goal and adapt to today's economic realities. Here are three key points to consider:

🌍 Location Matters: Your retirement destination can greatly affect how long your savings last. For example, $1 million could last about 22.7 years in Mississippi, around 19.8 years in North Carolina, but just over a decade in Hawaii. With average retirement lengths of 18.6 years for men and 21.3 for women, adjusting the numbers to your location is crucial.

🤔 Define “Comfortable”: What does a comfortable retirement mean to you? A serene life in a small town or an adventurous journey around the globe? Your vision of retirement significantly influences your financial needs.

💰 Stay Consistent: Whether retirement is just around the corner or years away, regular contributions to your savings, no matter how small, can make a big difference over time.

With proper planning and expert advice, you can tailor your plan to fit your retirement dreams. Unsure if your current plan is on track? I can help you work backwards and refine your strategy.

Everyone knows about Inflation.But have you heard about Shrinkflation? Don't let companies fool you.  The cost for goods...
07/07/2026

Everyone knows about Inflation.

But have you heard about Shrinkflation?

Don't let companies fool you.

The cost for goods and services can absolutely increase without them technically raising their prices.

The Lyall's wren was a tiny, flightless bird that lived on a small island off the coast of New Zealand. With no predator...
07/06/2026

The Lyall's wren was a tiny, flightless bird that lived on a small island off the coast of New Zealand. With no predators for thousands of years, it had no reason to fly. It thrived on the ground, perfectly adapted to its safe, isolated world.

In 1894, a lighthouse keeper named David Lyall arrived on the island. His cat started bringing him birds he had never seen before. Scientists had never seen them either.

Within months, the Lyall's wren was gone forever. Not because it was weak. Because it was PERFECTLY OPTIMIZED FOR A WORLD THAT NO LONGER EXISTED. A few cats changed everything for that poor little bird.

For a long time, people approaching retirement lived on their own predator-free island. Markets went up. Savings grew. Risk felt optional. Doing nothing worked.

But the environment is shifting.

- Inflation is worse than the Fed projected
- The government debt is reaching a breaking point.
- Consumers are maxing out their credit cards at all-time highs
- The Buffett indicator is at an all-time high (total market value/GDP)
- A completely bifurcated market that is depending too heavily on 5-7 mega-cap companies
- AI is disrupting industries faster than any technology we've seen
- Lifespans are extending

The conditions that made "just stay invested" feel safe are getting harder to rely on.

The cats are on their way.

If you are close to retirement or already in it, the question is not whether your portfolio grew over the last decade. The question is whether it can protect you through the next one.

We work with people who cannot afford to start over and lose half of what they have. We focus on strategies designed to protect what you have built, produce income you can count on, and reduce your exposure to things outside your control.

The Lyall's wren was not a bad bird. It was just built for yesterday's island!

Is your retirement plan built for yesterday, or for what comes next?

Benjamin Franklin was the champion of frugality. So why did he say this? Because he believed frugality was a tool for yo...
07/02/2026

Benjamin Franklin was the champion of frugality.

So why did he say this?

Because he believed frugality was a tool for young people to build wealth and not a permanent way of life.

What's the point of working hard for 40 years and diligently saving if you can't enjoy it??

Having a DECUMULATION plan is a key pillar in retirement. It's important to have the confidence that you can absolutely spend your money without worrying that you will run out.

At some point you have to stop counting what you have and start living what you've earned!

Wishing everyone a Happy 4th!!!

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Lakewood, CO
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