David Gilreath

After more than four decades in the industry, I’ve learned that nothing replaces an in-depth, focused conversation. A real discussion about a client’s needs, wants, and tolerance for volatility reveals far more than any questionnaire. That’s why I spend meaningful time upfront on ‘discovery’—understanding the full picture before making recommendations.

When it comes to asset allocation specifically, I believe every client, regardless of age, should have some exposure to equities—quite frankly, as high of a percentage as tolerable. Most people need capital growth throughout their lives to maintain their lifestyle, and equities (particularly U.S. equities) remain one of the most effective ways to achieve this. 

Throughout our partnership, my clients can expect open communication and honest opinions. If I disagree with something, I’ll say so. That doesn’t mean the client’s course of action changes, but part of my job is to speak up and share what I believe is in their best interest.

Over the years, the most meaningful part of my work has been building long-term relationships and seeing the results of thoughtful planning play out over time. I’ve watched how disciplined investing and clear strategies can empower clients to live full and enriching lives. It’s that long-term impact that makes this work meaningful to me.