Gradient Capital Advisors, LLC fees and pricing
Financial planner in San Diego, California. Registered with the SEC.
According to its Form ADV Part 2A brochure dated February 26, 2026, Gradient Capital Advisors, LLC charges $100-$350 an hour and a flat or project fee of $500-$10,000 for financial planning.
Published fees
Quoted from the firm's Form ADV Part 2A brochure, filed February 26, 2026. Fees can change, so confirm with the firm before you hire them.
- Hourly rate
- $100-$350/hr
“Our hourly fees range from $100 to $350 and our flat fees generally range from $500 to $10,000.”
- Flat or project fee
- $500-$10,000
From the same sentence as above.
Read the full brochure (PDF) (opens in new tab)SEC adviser record (opens in new tab)
How Gradient Capital Advisors, LLC bills
Payment and refund terms, quoted from the fee section of the brochure.
- “The financial planning and consulting fee will be due upon completion of the project or as otherwise indicated in the Financial Planning and Consulting Agreement.”
- “Our Retirement Plan Consulting services are billed on a fee based on the percentage of Plan assets under management.”
- “We charge our advisory fees quarterly in arrears.”
How Gradient Capital Advisors, LLC’s fees compare
- Its hourly rate of $100-$350 spans the California median of $300. 16% of the 932 other California planners that publish an hourly rate charge less.
- 12 of the 73 other planners in San Diego that publish an hourly rate charge less.
- Its flat or project fee of $500-$10,000 spans the California median of $5,000. 53% of the 796 other California planners that publish a flat or project fee charge less.
- 34 of the 68 other planners in San Diego that publish a flat or project fee charge less.
About Gradient Capital Advisors, LLC
“Simms – 56.3% Owner Types of Advisory Services Offered Comprehensive Portfolio Management: Our Comprehensive Portfolio Management service encompasses asset management as well as providing financial planning/financial consulting to clients.”
- Firm size: 7 employees.
- Registered as an adviser: 2014 (12 years).
Planning areas mentioned in the brochure
- Retirement planning
- Tax planning
- Estate planning
- College planning
- Insurance analysis
- Charitable giving
Firm details from Form ADV
- How the firm is paid
- Hourly fees, fixed or flat fees, percentage of assets under management
- Charges a % of assets
- Yes
- Highest asset based fee in brochure
- 1.5% a year
- Clients
- 462
- Employees
- 7
- Works with
- Individuals, high net worth individuals, pension and profit sharing plans, charities, and businesses
- Services reported to regulators
- Financial planning, portfolio management for individuals and small businesses, portfolio management for businesses and institutions, and pension consulting
- Assets managed
- $742,204,721
- Registered with
- U.S. Securities and Exchange Commission
- Disciplinary disclosures
- None reported
- SEC CRD number
- 168912
- Phone
- (619) 255-0700
Can advise clients in 11 states: Arizona, California, Colorado, Florida, Idaho, Nevada, New York, Oregon, Texas, Utah, Washington
Other planners in San Diego that publish fees
- 401 FinancialSan Diego$250/hr, $500
- 7 Streets Financial, LLCSan Diego$100-$400/hr, Up to $15,000
- Abundance PathwaysSan Diego$75/hr, $2,500
- Ac3 CapitalSan Diego$100/hr, $500-$2,000
- AdviceonlySan Diego$50-$600/hr, Up to $10,000
- Ariston Services Group, LLCSan Diego$250-$350/hr, $500-$25,000
Is something on this page wrong or out of date? Email corrections@plannerfees.com and PlannerFees will check it against the firm's latest filing.