James Cummings
James Cummings is a registered investment advisor at Gradient Advisors, LLC, based in Topeka, KS, with 14 years of industry experience. James operates on a fee-only basis, meaning they do not earn commissions from product sales. Their practice areas include Financial Planning & Coaching, Investment Management. Their firm serves 3,220 clients with $220M in assets under management.
Compensation
Firm Size
Number of Clients
Average Client Portfolio
Assets Under Management
Fee Structure
Gradient Advisors uses third-party money managers to manage client accounts. The maximum annual fee Gradient Advisors will charge clients is 1.5% of the assets they manage. This fee is negotiable and depends on the money manager selected, the advisor providing services, and the value of the assets in the account. The fee is payable monthly, quarterly, or annually in advance or arrears based on the money manager. The investment management fees charged by the third-party managers are in addition to Gradient Advisors' fee.
Location
Topeka, KS
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Regulatory History
No disclosures, customer disputes, or regulatory actions on file.
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Learn about disclosures →Other Business ActivitiesSells Insurance
James is the President/Owner of Cummings Financial Services, Inc., providing financial and retirement planning. He also works as a Case Design Specialist and owns rental properties, dedicating minimal time to each. Additionally, James is an independent insurance agent, spending about 10-20% of his time in this role.
Employment History
Current Registrations
Gradient Advisors, LLC
Previous Registrations
Cummings Financial Services, INC
State Registrations1 state
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