# Timothy Sagawa

> Timothy Sagawa is a fee-only financial advisor at Gradient Capital Advisors in San Diego, California, who holds the CFP and CFA credentials. Gradient Capital Advisors reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/timothy-sagawa/
Built from SEC adviser records; last checked October 30, 2026.

## Facts

- **Firm:** Gradient Capital Advisors
- **Based in:** San Diego, California
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Assets under management (firm):** $742.2M across 1,548 accounts
- **Credentials:** CFP, CFA
- **CRD:** 4627677 (https://adviserinfo.sec.gov/individual/summary/4627677)
- **SEC registration:** Investment adviser representative in CA, TX
- **Exams passed:** Series 66 (2003)
- **Firm size:** 7 employees
- **Disclosures:** None reported
- **Website:** http://www.gradientcapital.com

## Frequently asked questions

### Is Timothy Sagawa a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Timothy holds no broker registration, and Gradient Capital Advisors reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Timothy charge for financial advice?

Timothy's firm, Gradient Capital Advisors, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is Timothy Sagawa based?

Timothy Sagawa is based in San Diego, California.

### What credentials does Timothy Sagawa hold?

Timothy Sagawa holds the CFP and CFA credentials.

### Is Timothy Sagawa registered with the SEC?

Yes. Timothy Sagawa is registered as an investment adviser representative in CA and TX (CRD 4627677), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Gradient Capital Advisors manage?

Gradient Capital Advisors reports $742.2M across 1,548 accounts in assets under management.

### How do I contact Timothy Sagawa?

Through Timothy's website, www.gradientcapital.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/4627677): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.