GRADIENT CAPITAL ADVISORS, LLC

RIASEC RegisteredEst. 2014

Total AUM

$742M

Discretionary

$648M

87% of AUM

Avg account

$479K

Accounts

1,548

Employees

Advisory reps

Firm details

Headquarters: SAN DIEGO, California
CRD number: 168912
Registered since: January 22, 2014
Website: gradientcapital.com
Custodians: CHARLES SCHWAB & CO., INC.
Fee structure: Percentage of AUM, Hourly Charges, Fixed Fees
Client types: HNWI88.21%
Individuals8.79%
Pension & Profit Sharing Plans1.82%
Charitable Organizations0.82%
Corporations / Businesses0.36%
Services: Financial PlanningPortfolio Management for IndividualsPortfolio Management for Institutional ClientsPension Consulting

Firm profile

FINTRX

Overview

Gradient Capital Advisors, LLC is an independent registered investment adviser that positions itself as a multi-service wealth manager for both high-net-worth individuals and institutional clients. The firm emphasizes discretionary portfolio management alongside financial planning and consultative services for small businesses and institutions, including pension consulting. Fee arrangements include a percentage of AUM plus options for hourly and fixed-fee engagements, reflecting a mix of ongoing advisory relationships and project work. Investment activity is centered on public market exposures—especially mutual funds and ETFs—supplemented by targeted allocations to real estate and REIT strategies as their primary alternative exposure. The firm registered with the SEC in 2014 and operates as an individually owned LLC. Gradient Capital was recognized on FA Magazine’s Top RIA Firms list in 2020.