Firm profile

GRADIENT CAPITAL ADVISORS, LLC

SAN DIEGO, CACRD 168912Latest ADV February 26, 2026

Gradient Capital Advisors, LLC is an SEC registered investment adviser organized as a limited liability company with a primary office location in San Diego, CA. Its latest Form ADV filing, dated February 26, 2026, reports $742M in regulatory assets under management, 7 employees, and 1,548 accounts.

Assets Under Management
$742M
Employees
7
Offices
--
Total Clients
478
Primary office
SAN DIEGO, CA
2125 POINSETTIA DRIVE, SAN DIEGO, CA, United States
ADV Item 1F location record

Contact and digital presence

ADV profile links

Leadership

1 roles identified
CCOTimothy A. Sagawa

Advisory services offered

4 types reported
Financial Planning Services
Pension consulting services
Portfolio management for businesses

Fee models offered

3 types reported
Asset based fees
Fixed fees
Hourly charges
Sources checked May 16, 2026

Client Coverage Demographics

Top client segmentHNWI represent 53.8% of total clients.
Top client categories% of clientsClients
1
HNWI
53.8%
257
2
Individuals
42.9%
205
3
Pension Plans
1.7%
8
4
Corporations
1.3%
6
5
Charitable
0.4%
2
Categories with <5 clients
Charitable Organizations<5 clients

Regulatory Assets Under Management Breakdown

Total regulatory assets under management$742Mas of February 26, 2026
Discretionary87.3%
$648M
87% of total RAUM87.3%
Non-discretionary12.7%
$94M
13% of total RAUM12.7%
Regulatory assets under management are split between discretionary and non-discretionary assets.

Assets under management Growth by Quarter

Quarterly points use the latest ADV filing or SEC roster snapshot available in each quarter.

Total AUM$742M
Total Accounts1,548
10Y AUM Change+$494M (+199.2%)

Employee Growth by Quarter

Quarterly points use the latest ADV filing or SEC roster snapshot available in each quarter.

Total Employees7
Clients per Employee68:1
10Y Employee Change+1 (+16.7%)

* Metrics are based on the latest available data, including Form ADV filings, brochures, and relationship summaries pulled from the SEC IAPD, and may be subject to change. Learn what is included in the Rialytix data. Please refer to the firm's official disclosures for the most accurate information using their CRD number. This is not investment advice.