A complete list of active advisors currently associated with Gradient Capital Advisors, LLC

Warmer can help you find a great advisor at Gradient Capital Advisors, LLC or one who fits your needs even better.

Gradient Capital Advisors provides investment advisory and financial planning services to individuals (including high‑net‑worth clients), trusts, pension and corporate clients, and retirement plan sponsors. The firm offers comprehensive portfolio management, written financial plans or consultations, and retirement plan consulting, and it acts as a sponsor for a wrap fee program as described in its Part 2A and Wrap Fee Program Brochure. The firm describes a multi‑disciplinary investment process that uses charting, cyclical, fundamental and technical analysis and implements a wide range of strategies — including long‑ and short‑term purchases, active trading, short sales, option writing, and margin borrowing — across ETFs, mutual funds, individual securities and alternative investments such as REITs. Client accounts are reviewed at least quarterly and the firm generally manages accounts through its wrap program and established custody/execution relationships outlined in the brochure. What distinguishes Gradient from many peers is the combination of being a wrap fee program sponsor while also employing derivatives and borrowing in separately managed accounts (the brochure explicitly discusses options, short sales and margin), and the firm’s materials reference third‑party ratings in its marketing. The brochure also notes several atypical service offerings — such as corporate tax and cost segregation work and explicit ERISA fiduciary designations for retirement plan engagements — and reports roughly $742 million in regulatory assets under management with the majority managed on a discretionary basis.

To learn more about the advisors currently working at Gradient Capital Advisors, LLC, click on their names below to view their profiles, or click here to see them all on a map. Or, if you tell us about your needs, Warmer can help you find the best advisor for you.