Gradient Advisors is a registered investment advisor based in Arden Hills, Minnesota, offering comprehensive financial planning, consulting, and asset management services. Gradient Advisors works through a network of investment advisor representatives who help clients define their financial goals, assess risk tolerance, and develop customized strategies covering taxation, insurance, and estate planning. Rather than managing all portfolios directly, Gradient Advisors frequently connects clients with third-party money managers and investment platforms, acting as a liaison while maintaining supervisory and non-discretionary oversight. Clients must approve all investment transactions before execution. In addition to investment management, Gradient Advisors offers financial planning on a fixed-fee basis. The firm has ties to several affiliated entities in the financial services sector, including broker-dealers and insurance agencies, which presents potential conflicts of interest that the firm mitigates through disclosure and adherence to its legal obligation to act in the client's best interest.
Fee Structure
Portfolio-Based Fees (Flat)
| Portfolio Value | Annual Fee |
|---|---|
| Any | 1.50% |
Maximum annual fee charged is 1.50% of assets under management. Fees are negotiable and do not include separate fees charged by third-party money managers.