Investments

Contact Us

Gradient Investments


An independent, privately-owned, fee-only SEC registered investment advisor, providing professional money management services.

Gradient Investments

At Gradient Investments, LLC, our innovative approach to investing is focused on understanding our clients and providing personalized investment solutions. We believe that client access to our investment professionals is an invaluable service that is rare in the financial services industry.

Who We Are

Gradient Investments is an independent, privately-owned, fee-based, SEC-registered investment advisor that provides professional money management services. We serve individuals, employer-sponsored pension plans, foundations, endowments and corporations primarily through exchange-traded funds (ETFs), options and separately managed accounts.

Wright Investments

We actively manage accounts through our proprietary Wright Investment Strategy, which is based on the principles of flight.

Experience On Your Side

We built our dedicated investment team around seasoned investment professionals.

Investment Philosophy


We actively manage accounts through our proprietary Wright Investment Strategy, which is based on the principles of flight. The Wright brothers conquered this challenge by developing a scientific 3-Axis Control System that is still used today on fixed-wing aircrafts. We address investment challenges through a parallel 3-Axis Control System.

1

Active risk management is the foundation of our investment process. Risk exposure is defined as the potential deviation from an expected outcome. Standard deviation is used to measure the volatility of an investment. Higher standard deviation of an investment results in greater relative risk (and possible reward) due to uncertainty in the amount of return within the portfolio. Our approach to risk exposure minimizes standard deviation, and our risk management strategy helps to ensure assets are actively monitored and balanced based on investors’ desired risk profiles.

2

Investment strategy is defined as a set of rules, behaviors or procedures that guide investors to select appropriate investment portfolios. Our tailored investment strategy is designed around personal risk tolerances, and our investment selection process within our proprietary model portfolios is client-focused. Unlike other investment managers who offer the same portfolio to every potential client, we take a different approach. Rather than forcing investors into arbitrary categories, we build portfolios tailored to their individual objectives, risk tolerances and time horizons.

3

Investment performance is defined as the rate of return on an investment portfolio (given investors’ unique risk profiles). We measure investment performance against their goals and objectives. Our disciplined investment approach is shaped by a long-term investment focus, thorough due diligence, and a belief that broad diversification across and within asset classes is essential for long-term success. Our portfolios are designed to yield higher annual returns and less volatility relative to their respective benchmarks. Our Investment Performance Axis uses calculated charting, sophisticated performance reporting, and our proprietary investment tool, Portfolio Pilot. This invaluable tool provides the opportunity to visualize the relationship between risk (standard deviation) and reward (return).

Is Gradient Investments Right For You?


Download Insert

For investment advisor representative use only. *The facts and data herein is calculated and reported by a third party, Orion Advisory Services, LLC, twelve months ended December 31, 2017. The data does not represent all RIA firms rather a subset of RIAs/money managers who use the services of Orion. Orion and Gradient Investments are not affiliated entities. This data should not be used as the sole basis for making any investment decision. Please consult your investment advisor and for information on Gradient Investments, please request a copy of our ADV Part 2A.

Experience On Your Side


We built our dedicated investment team around seasoned investment professionals: our portfolio managers provide decades of institutional investment experience and have a deep working knowledge of the individual client market. Whether your investment goal is preserving principal, maximizing income or accumulating capital, our investment team has a carefully designed strategy to help you achieve your long-term investment goals.

Nate Lucius , MBA Managing Director
Wayne Schmidt , CFA® Chief Investment Officer
Michael Binger , CFA® Senior Portfolio Manager
Mariann Montagne , CFA® CFA Portfolio Manager
Jeremy Bryan , CFA® Portfolio Manager
Jonathan VanOrden Senior Vice President
Nicole Roby Senior Vice President of Operations

GI In The Media


Our investment team is regularly featured in the national media in print and on television. Some recent appearances include CNBC, Fox Business, Bloomberg, CNN Money, and the Wall Street Journal.

Market Commentary


Investing can be a challenging yet rewarding process. Information changes rapidly which is why it is so important to stay informed. Please enjoy our latest market commentary and reflections.

Reflections

Individual Bonds versus Bond ETFs

At Gradient Investments, we primarily use exchange traded funds (ETFs) for our bond allocations. In the past, we have been asked why we don't use individual bond holdings instead of ETFs. In the below reflection, I will provide our justification for using ETFs instead of individual bonds for investor's fixed income allocations.

Read More

Commentary

Do I Hear 27,000?

Have you ever tried to buy something at a live auction only to watch your item of interest fly right through your price target and sell to another bidder? The January stock market had the feel of a live auction as the Dow Jones Industrial Average eclipsed the 25,000 level for the first time in early January and passed the 26,000 mark just seven trading days later. Fortunately, the stock market is it is open for business most days and can handle multiple buyers.

Read More

Investment Strategies


Our investment selection process within our proprietary model portfolios is client focused. We build a portfolio tailored to your unique objectives, risk tolerances and time horizons. Watch the videos to learn more about our proprietary model portfolios.

Gradient Tactical Rotation
Gradient Tactical Rotation Tactical
Gradient 50 Dividend Portfolio
Gradient 50 Dividend Portfolio Strategic
Gradient 40 International
Gradient 40 International Strategic
Gradient 33 Growth Portfolio
Gradient 33 Growth Portfolio Strategic
ETF Endowment Series
ETF Endowment Series Asset Allocation
Absolute Yield Portfolio
Absolute Yield Portfolio Strategic
Laddered Income Strategy
Laddered Income Strategy Asset Allocation
Fixed Income Series
Fixed Income Series Asset Allocation
Precious Metals
Precious Metals Strategic
Energy Sector Focus
Energy Sector Focus Strategic

Portfolio Analysis Review


Our proprietary Portfolio Analysis Review (PAR) process gives you a detailed breakdown and thorough written analysis of your entire investment portfolio. The PAR process combines powerful third-party statistics with a simple, easy-to-read report so you can truly understand the possible risks and rewards of your current investment portfolio.

Play Video
01

You gather and provide brokerage statements to a trusted advisor with a completed Color of Money Risk Analysis.

02

Our investment team will analyze and conduct a comprehensive Portfolio Analysis Review which includes the following areas of analysis: Morningstar Rating (1-5 Stars), Fees and Expenses (loads and internal fees), Performance (1, 3, 5, 10 years), Risk Exposure (as measured by standard deviation), and Allocation and Diversification.

03

Charting your desired flight plan with the proprietary Portfolio Pilot report is a process of thoroughly analyzing your current investments and desired risk tolerance, and making appropriate recommendations in a simple, easy-to-read format. The report is designed to illustrate your current portfolio risk/reward ratio relative to the risk/reward ratio within the selected portfolio. The report is based on personalized information and backed by independent, third-party data from Morningstar. Navigating through retirement is similar to flying in inclement weather. Charting an investment flight plan with the Portfolio Pilot can enable you to avoid turbulence by plotting your desired flight plan and seeking the greatest return for the least amount of risk.

04

You receive the Portfolio Analysis Review and can discuss findings with your advisor. At your request, you can schedule a consultation with a member of the Gradient Investments portfolio management team.

Asset Map


The interactive Asset Map provides a unique overview of your current and proposed asset allocation. The goal is to customize an overall strategy tailored to your risk tolerance, investment objectives and time horizon. This powerful tool is meant to give you a general idea of what you may expect long-term from a risk and reward standpoint. This proprietary tool allows you to analyze multiple investment strategies tailored to your risk tolerance, time horizon, investment objectives and income needs.