Civic Intelligence

Gradient Capital Advisors LLC

Plan context: Gradient Capital Advisors Retirement Trust

EIN 46-3539447 • San Diego, CA • 18 filings • 2 plans

2125 Poinsettia DrSan Diego, CA 92107
Current Snapshot

Latest Year

2025

2025 Participants

6

2025 Assets

$2,067,145

2025 Contributions

$304,027

Historical Graphs

Total Assets Over Time

Aggregate end-of-year assets by filing year, excluding zero-asset years

$4,246,855$2,123,428$0201620212025YearValue
$2,067,145Latest year 2025

Participants Over Time

Largest reported end-of-year plan headcount by filing year, used to avoid double-counting participants across overlapping plans

840201620212025YearValue
6Latest year 2025

Company Timeline

Year summaries and individual filings are combined here so you can stay in one place while moving across years and plan filings.

Year / FilingFilingsParticipantsAssetsContributionsContrib./Participant
202526$2,067,145$304,027$50,671iApproximate average salary by contribution assumption: employee only about $1,266,779 at 4% or $844,519 at 6%; with 50% employer match about $844,519 at 4% or $563,013 at 6%; with 100% employer match about $633,390 at 4% or $422,260 at 6%.
Gradient Capital Advisors Retirement Trust-6$2,067,145$154,027$25,671iApproximate average salary by contribution assumption: employee only about $641,779 at 4% or $427,853 at 6%; with 50% employer match about $427,853 at 4% or $285,235 at 6%; with 100% employer match about $320,890 at 4% or $213,926 at 6%.
GRADIENT CAPITAL ADVISORS, LLC DEFINED BENEFIT PENSION PLAN-0$0$150,000-
202425$4,246,855$543,706$108,741iApproximate average salary by contribution assumption: employee only about $2,718,530 at 4% or $1,812,353 at 6%; with 50% employer match about $1,812,353 at 4% or $1,208,236 at 6%; with 100% employer match about $1,359,265 at 4% or $906,177 at 6%.
GRADIENT CAPITAL ADVISORS, LLC DEFINED BENEFIT PENSION PLAN-5$2,635,989$400,000$80,000iApproximate average salary by contribution assumption: employee only about $2,000,000 at 4% or $1,333,333 at 6%; with 50% employer match about $1,333,333 at 4% or $888,889 at 6%; with 100% employer match about $1,000,000 at 4% or $666,667 at 6%.
Gradient Capital Advisors Retirement Trust-5$1,610,866$143,706$28,741iApproximate average salary by contribution assumption: employee only about $718,530 at 4% or $479,020 at 6%; with 50% employer match about $479,020 at 4% or $319,347 at 6%; with 100% employer match about $359,265 at 4% or $239,510 at 6%.
202325$3,294,092$535,261$107,052iApproximate average salary by contribution assumption: employee only about $2,676,305 at 4% or $1,784,203 at 6%; with 50% employer match about $1,784,203 at 4% or $1,189,469 at 6%; with 100% employer match about $1,338,153 at 4% or $892,102 at 6%.
GRADIENT CAPITAL ADVISORS, LLC DEFINED BENEFIT PENSION PLAN-5$1,987,403$400,000$80,000iApproximate average salary by contribution assumption: employee only about $2,000,000 at 4% or $1,333,333 at 6%; with 50% employer match about $1,333,333 at 4% or $888,889 at 6%; with 100% employer match about $1,000,000 at 4% or $666,667 at 6%.
Gradient Capital Advisors Retirement Trust-5$1,306,689$135,261$27,052iApproximate average salary by contribution assumption: employee only about $676,305 at 4% or $450,870 at 6%; with 50% employer match about $450,870 at 4% or $300,580 at 6%; with 100% employer match about $338,153 at 4% or $225,435 at 6%.
202225$2,305,931$516,175$103,235iApproximate average salary by contribution assumption: employee only about $2,580,875 at 4% or $1,720,583 at 6%; with 50% employer match about $1,720,583 at 4% or $1,147,056 at 6%; with 100% employer match about $1,290,438 at 4% or $860,292 at 6%.
GRADIENT CAPITAL ADVISORS, LLC DEFINED BENEFIT PENSION PLAN-4$1,321,746$390,000$97,500iApproximate average salary by contribution assumption: employee only about $2,437,500 at 4% or $1,625,000 at 6%; with 50% employer match about $1,625,000 at 4% or $1,083,333 at 6%; with 100% employer match about $1,218,750 at 4% or $812,500 at 6%.
Gradient Capital Advisors Retirement Trust-5$984,185$126,175$25,235iApproximate average salary by contribution assumption: employee only about $630,875 at 4% or $420,583 at 6%; with 50% employer match about $420,583 at 4% or $280,389 at 6%; with 100% employer match about $315,438 at 4% or $210,292 at 6%.
202128$2,094,379$350,433$43,804iApproximate average salary by contribution assumption: employee only about $1,095,103 at 4% or $730,069 at 6%; with 50% employer match about $730,069 at 4% or $486,713 at 6%; with 100% employer match about $547,552 at 4% or $365,034 at 6%.
GRADIENT CAPITAL ADVISORS, LLC DEFINED BENEFIT PENSION PLAN-4$1,081,529$230,000$57,500iApproximate average salary by contribution assumption: employee only about $1,437,500 at 4% or $958,333 at 6%; with 50% employer match about $958,333 at 4% or $638,889 at 6%; with 100% employer match about $718,750 at 4% or $479,167 at 6%.
Gradient Capital Advisors Retirement Trust-8$1,012,850$120,433$15,054iApproximate average salary by contribution assumption: employee only about $376,353 at 4% or $250,902 at 6%; with 50% employer match about $250,902 at 4% or $167,268 at 6%; with 100% employer match about $188,177 at 4% or $125,451 at 6%.
202027$1,442,108$311,854$44,551iApproximate average salary by contribution assumption: employee only about $1,113,764 at 4% or $742,510 at 6%; with 50% employer match about $742,510 at 4% or $495,006 at 6%; with 100% employer match about $556,882 at 4% or $371,255 at 6%.
Gradient Capital Advisors Retirement Trust-7$736,461$111,854$15,979iApproximate average salary by contribution assumption: employee only about $399,479 at 4% or $266,319 at 6%; with 50% employer match about $266,319 at 4% or $177,546 at 6%; with 100% employer match about $199,739 at 4% or $133,160 at 6%.
GRADIENT CAPITAL ADVISORS, LLC DEFINED BENEFIT PENSION PLAN-4$705,647$200,000$50,000iApproximate average salary by contribution assumption: employee only about $1,250,000 at 4% or $833,333 at 6%; with 50% employer match about $833,333 at 4% or $555,556 at 6%; with 100% employer match about $625,000 at 4% or $416,667 at 6%.
201926$986,661$312,567$52,095iApproximate average salary by contribution assumption: employee only about $1,302,363 at 4% or $868,242 at 6%; with 50% employer match about $868,242 at 4% or $578,828 at 6%; with 100% employer match about $651,181 at 4% or $434,121 at 6%.
Gradient Capital Advisors Retirement Trust-6$548,718$110,495$18,416iApproximate average salary by contribution assumption: employee only about $460,396 at 4% or $306,931 at 6%; with 50% employer match about $306,931 at 4% or $204,620 at 6%; with 100% employer match about $230,198 at 4% or $153,465 at 6%.
GRADIENT CAPITAL ADVISORS, LLC DEFINED BENEFIT PENSION PLAN-4$437,943$202,072$50,518iApproximate average salary by contribution assumption: employee only about $1,262,950 at 4% or $841,967 at 6%; with 50% employer match about $841,967 at 4% or $561,311 at 6%; with 100% employer match about $631,475 at 4% or $420,983 at 6%.
201825$529,428$314,912$62,982iApproximate average salary by contribution assumption: employee only about $1,574,560 at 4% or $1,049,707 at 6%; with 50% employer match about $1,049,707 at 4% or $699,804 at 6%; with 100% employer match about $787,280 at 4% or $524,853 at 6%.
Gradient Capital Advisors Retirement Trust-5$349,923$124,484$24,897iApproximate average salary by contribution assumption: employee only about $622,420 at 4% or $414,947 at 6%; with 50% employer match about $414,947 at 4% or $276,631 at 6%; with 100% employer match about $311,210 at 4% or $207,473 at 6%.
GRADIENT CAPITAL ADVISORS, LLC DEFINED BENEFIT PENSION PLAN-4$179,505$190,428$47,607iApproximate average salary by contribution assumption: employee only about $1,190,175 at 4% or $793,450 at 6%; with 50% employer match about $793,450 at 4% or $528,967 at 6%; with 100% employer match about $595,088 at 4% or $396,725 at 6%.
201715$257,776$84,179$16,836iApproximate average salary by contribution assumption: employee only about $420,895 at 4% or $280,597 at 6%; with 50% employer match about $280,597 at 4% or $187,064 at 6%; with 100% employer match about $210,448 at 4% or $140,298 at 6%.
Gradient Capital Advisors Retirement Trust-5$257,776$84,179$16,836iApproximate average salary by contribution assumption: employee only about $420,895 at 4% or $280,597 at 6%; with 50% employer match about $280,597 at 4% or $187,064 at 6%; with 100% employer match about $210,448 at 4% or $140,298 at 6%.
201614$133,811$79,199$19,800iApproximate average salary by contribution assumption: employee only about $494,994 at 4% or $329,996 at 6%; with 50% employer match about $329,996 at 4% or $219,997 at 6%; with 100% employer match about $247,497 at 4% or $164,998 at 6%.
Gradient Capital Advisors Retirement Trust-4$133,811$79,199$19,800iApproximate average salary by contribution assumption: employee only about $494,994 at 4% or $329,996 at 6%; with 50% employer match about $329,996 at 4% or $219,997 at 6%; with 100% employer match about $247,497 at 4% or $164,998 at 6%.