James W. Cummings

GRADIENT ADVISORS

Topeka, KS

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CRD#: 4615258

Professional summary

James William Cummings is a registered financial advisor currently at GRADIENT ADVISORS, LLC located in Topeka, Kansas.

James is registered as an IAR (Investment Advisor Representative) and started their career in finance in 2003. James has worked at 5 firms and has passed the Series 66, Series 63, Series 7 and Series 6 exams.

Question & Answer

Are you a "fiduciary"?

Yes

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.

1) dba Cummings Financial Services, Inc. - 3801 SE California, Topeka, KS 66609 - President/Owner - Financial and Retirement Planning 2) INVESTMENT RELATED: No / Case Central ADDRESS: 3740 SW BURLINGAME CIRCLE TOPEKA, KS 66609 NATURE OF BUSINESS: Case Design POSITION: Case Design Specialist START DATE: 05/2018 DAY DUTIES: Case Design for Agents/Representatives of affiliated Gradient companies 3) INVESTMENT RELATED: NO / RENTAL BUSINESS ADDRESS: 3801 SE CALIFORNIA TOPEKA, KS 66609 NATURE OF BUSINESS: LANDLORD YOUR POSITION: OWNER-LANDLORD START DATE: 03/2008 APPROX # OF HRS DURING TRAIDING: 2 HRS PER MONTH DUTIES: TAKE CARE OF RENTALS. 4) INVESTMENT RELATED: YES/INDEPENDENT INSURANCE AGENT/TOPEKA, KS/START DATE: 03/2002/5% OF TIME SPENT IN THIS BUSINESS.

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view James William Cummings's CRS (Customer Relationship Summary).

CRS (Customer Relationship Summary)

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

Current

May 9, 2017 - Present

GRADIENT ADVISORS, LLC

RIA

CRD#: 152665

Topeka, KS

Past

February 11, 2010 - June 23, 2015

CUMMINGS FINANCIAL SERVICES, INC

RIA

CRD#: 151015

TOPEKA, KS

Past

July 30, 2008 - February 1, 2010

WOODSTOCK FINANCIAL GROUP, INC.

CRD#: 38095

TOPEKA, KS

Past

December 1, 2006 - November 6, 2007

QUESTAR CAPITAL CORPORATION

CRD#: 43100

TOPEKA, KS

Past

January 2, 2003 - December 1, 2006

USALLIANZ SECURITIES, INC.

CRD#: 40875

TOPEKA, KS

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.

IAR

means the advisor is registered as an Investment Advisor Representative in this state and is authorized to provide investment advice to clients there.

Highlighted states indicate IAR registrations

IAR

Kansas
(5/9/2017)

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 66

Date: 7/30/2009

Uniform Combined State Law Examination

State Security Law Exam

Series 63

Date: 3/25/2003

Uniform Securities Agent State Law Examination

General Industry/Product Exam

Series 7

Date: 3/30/2005

General Securities Representative Examination

General Industry/Product Exam

Series 6

Date: 12/23/2002

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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Firm Stability Insights

James W. Cummings

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view James William Cummings's CRS (Customer Relationship Summary).

Certified licenses

Experience

CUMMINGS FINANCIAL SERVICES, INC

WOODSTOCK FINANCIAL GROUP, INC.

QUESTAR CAPITAL CORPORATION

USALLIANZ SECURITIES, INC.

Primary Firm SEC Registration

GRADIENT ADVISORS, LLC

State Registrations and Notice Filings

Exams

Series 66

Date: 7/30/2009

Series 63

Date: 3/25/2003

Series 7

Date: 3/30/2005

Series 6

Date: 12/23/2002

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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