SEC-registered firm
Registration does not mean the SEC approves or recommends the firm, and it does not imply a certain level of skill or training.
Gradient Capital Advisors, LLC
San Diego, CA
CRD 168912
Firm filing updated February 26, 2026 ·
- $742.2MAssets
- 5Advisory staff
- 1,548Accounts
Fees and minimums
- Hourly feesAsk the firm for the rate
All fee types on the form
- Percentage of assets under managementYes
- Hourly chargesYes
- Fixed feesYes
- Subscription fees (for a newsletter or periodical)No
- CommissionsNo
- Performance-based feesNo
- OtherNo
Who the firm serves
- High net worth individuals257
- Individuals205
- Pension and profit sharing plans8
- Corporations or other businesses6
See the client table
| Client type | Approximate number of clients | Assets |
|---|---|---|
| Individuals (other than high net worth) | 205 | $65.3 million |
| High net worth individuals | 257 | $654.7 million |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 8 | $13.5 million |
| Charitable organizations | Fewer than 5 clients | $6.1 million |
| Corporations or other businesses not listed above | 6 | $2.6 million |
What the client labels mean
Here, "individuals" includes trusts, estates, and IRAs of individuals. A "high net worth individual" is a qualified client or qualified purchaser.
Services
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Portfolio management for businesses (other than small businesses) or institutional clients
See all 4 services
- Pension consulting services
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Portfolio management for businesses (other than small businesses) or institutional clients
- Pension consulting services
Assets and accounts
- Regulatory assets$742.2 million
- Accounts1,548
- Discretionary$648.2 million · 1,375 accounts
- Non-discretionary$94.0 million · 173 accounts
People
- Employees7
- Advisory staff5
- Broker-dealer reps0
- Licensed insurance agents0
- Planning clients11 to 25
Advisors
5 advisors with a profile on Advisable
Listed A to Z by last name. Not a ranking.
Registration details
- SEC-registered investment advisor. CRD 168912, SEC file 801-78917.
- Registered with the SEC as an investment advisor (status date on record: January 22, 2014).
Is Gradient Capital Advisors, LLC a fiduciary?
Short answer: Gradient Capital Advisors, LLC is registered with the SEC as an investment advisor.
More detail
The SEC put it this way in 2019: 'Under federal law, an investment adviser is a fiduciary.'
The firm does not report commissions, a broker-dealer role, a related broker-dealer, or staff who are broker-dealer representatives.
The firm's Form CRS explains its services, fees and conflicts in plain language: Form CRS.
About this data
Informational only. Advisable Finance is not an investment advisor, does not give investment advice, and does not endorse any advisor.