Richard J. Joyce

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CRD#: 1439982

Professional summary

Being a previously registered professional could mean that this person is no longer operating under the supervision of the SEC or FINRA.

That means that the Securities and Exchange Commission may not be able to oversee the services that this specific professional is providing.

Richard Joseph Joyce was a registered financial professional .

Richard is a previously registered financial professional and started their career in finance in 1986. Richard had worked at 5 firms and has passed the Series 65, Series 63 and Series 6 exams.

Question & Answer

Are you a "fiduciary"?

Aliases

None

Other business activities

Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.

The advisor shows no other business activity.

Blog Corner

CRS (Client Relationship Summary)

The CRS(Customer Relationship Summary) document is not provided.

Certified licenses

Advisors may have various certifications and credentials from different organizations. AdvisorCheck highlights these seven certifications - AIF®, CFP®, ChFC®, CFA, CLU®, CIMA®, CPWA®

None

Experience

Past

February 27, 2015 - December 31, 2016

GRADIENT ADVISORS, LLC

RIA

CRD#: 152665

WAXHAW, NC

Past

July 12, 2001 - February 10, 2003

OSAIC FS, INC.

CRD#: 3870

FORT WAYNE, IN

Past

August 10, 2000 - July 16, 2001

FREEDOM FINANCIAL, INC.

CRD#: 45850

OMAHA, NE

Past

March 1, 1999 - September 11, 2000

SECURITIES AMERICA, INC.

CRD#: 10205

LAVISTA, NE

Past

March 30, 1992 - September 16, 1999

OSAIC FS, INC.

CRD#: 3870

FORT WAYNE, IN

Past

September 10, 1990 - December 31, 1991

VOYA FINANCIAL ADVISORS, INC.

CRD#: 2882

Past

January 13, 1989 - September 10, 1990

OSAIC FS, INC.

CRD#: 3870

Past

November 16, 1987 - January 18, 1989

VOYA FINANCIAL ADVISORS, INC.

CRD#: 2882

Past

March 2, 1987 - September 10, 1990

OSAIC FS, INC.

CRD#: 3870

FORT WAYNE, IN

Past

July 29, 1986 - December 31, 1991

VOYA FINANCIAL ADVISORS, INC.

CRD#: 2882

WINDSOR, CT

Primary Firm SEC Registration

This SEC-registered firm can serve clients nationwide. Some states may require the firm to submit a notice filing if the firm has more than 5 clients or a physical office there. You can view these state-level filings under the section titled "State Registrations and Notice Filings".

GRADIENT ADVISORS, LLC

CRD#: 152665 / SEC#: 801-71000

RIA

Registered Investment Advisory firm - (2/10/2010 Approved)

State Registrations and Notice Filings

Listed states reflect where the advisor is authorized to serve clients under state regulations.

Visual representation of state registrations

This advisor is not registered in any state.

Don't see your state listed? The advisor may still be able to work with you under the federal De Minimis Rule, which allows up to five investment advisory clients in a state without registration. Some states, like TX, LA, NE, and NH, may still require registration or notice filing. Contact the advisor or their firm to confirm their investment advisory availability in your state.

Exams

State Security Law Exam

IAR

Series 65

Date: 1/8/2015

Uniform Investment Adviser Law Examination

State Security Law Exam

Series 63

Date: 8/12/1986

Uniform Securities Agent State Law Examination

General Industry/Product Exam

Series 6

Date: 7/28/1986

Investment Company Products/Variable Contracts Representative Examination

Current Firm

GRADIENT ADVISORS, LLC

CRD#: 152665 / SEC#: 801-71000

RIA

Registered Investment Advisory firm - (2/10/2010 Approved)

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Contact information

Main Address

4105 Lexington Avenue N. Suite 225, Arden Hills, MN 55126

Mailing Address

Phone number

(877) 885-0508

Established

Firm type

Fiscal year end

# of Employees

169

SEC notice filing (51 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

ADV PART 2A AND 2B 10-2025 (10/21/2025)

Regulatory assets under management

Total Number of Accounts	3,222
AUM (Assets Under Management)	$ 218,611,410

Red Flags

Disclosures can be potential red flags, including customer disputes, regulatory fines, employer terminations, bankruptcies, judgments, liens, or certain criminal activities.

Check for any disclosures as part of your thorough research when choosing an advisor.

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Advisor Monitoring

Firm Stability Insights

Richard J. Joyce

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary)

Certified licenses

Experience

OSAIC FS, INC.

FREEDOM FINANCIAL, INC.

SECURITIES AMERICA, INC.

OSAIC FS, INC.

VOYA FINANCIAL ADVISORS, INC.

OSAIC FS, INC.

VOYA FINANCIAL ADVISORS, INC.

OSAIC FS, INC.

VOYA FINANCIAL ADVISORS, INC.

Primary Firm SEC Registration

GRADIENT ADVISORS, LLC

State Registrations and Notice Filings

Exams

Series 65

Date: 1/8/2015

Series 63

Date: 8/12/1986

Series 6

Date: 7/28/1986

Current Firm

GRADIENT ADVISORS, LLC

Contact information

SEC notice filing (51 States and Territories)

Documents

Part 2 Brochures

Regulatory assets under management

Red Flags

Company Information

GRADIENT ADVISORS, LLC

TRUST BUT VERIFY

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