Paul J. Howland

CIVITAS FINANCIAL

Raleigh, NC

CRD#: 8152512

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Professional summary

Paul Jacob Howland, who also goes by Jake Howland, is a registered financial advisor currently at CIVITAS FINANCIAL LLC located in Raleigh, North Carolina and GRADIENT INVESTMENTS, LLC located in Raleigh, North Carolina.

Paul is registered as an IAR (Investment Advisor Representative) and started their career in finance in 2025. Paul has worked at 3 firms and has passed the Series 63, Series 65, Series 6TO and SIE exams.

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

Jake Howland

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) - RIA

Click below to view Paul Jacob Howland'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

February 10, 2026 - Present

CIVITAS FINANCIAL LLC

RIA

CRD#: 338379

Raleigh, NC

Current

March 23, 2026 - Present

GRADIENT INVESTMENTS, LLC

RIA

CRD#: 141726

Raleigh, NC

Past

October 9, 2025 - January 13, 2026

EQUITY SERVICES, INC.

RIA

CRD#: 265

RALEIGH, NC

Past

September 15, 2025 - January 13, 2026

EQUITY SERVICES, INC.

CRD#: 265

RALEIGH, NC

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 INVESTMENTS, LLC

GRADIENT INVESTMENT GROUP LLC | REGISTERED INDEPENDENT ADVISORS, LLC | REGISTERED INDEPENDENT AGENTS, LLC | GRADIENT INVESTMENTS, LLC

CRD#: 141726 / SEC#: 801-70812

RIA

Registered Investment Advisory firm - (12/1/2009 Approved)

Alabama

Registered Investment Advisory firm - (1/20/2010 Terminated)

Arizona

Registered Investment Advisory firm - (12/8/2009 Terminated)

California

Registered Investment Advisory firm - (12/9/2009 Terminated)

Colorado

Registered Investment Advisory firm - (12/10/2009 Terminated)

Florida

Registered Investment Advisory firm - (12/8/2009 Terminated)

Idaho

Registered Investment Advisory firm - (12/8/2009 Terminated)

Kansas

Registered Investment Advisory firm - (12/8/2009 Terminated)

Maryland

Registered Investment Advisory firm - (12/21/2009 Terminated)

Minnesota

Registered Investment Advisory firm - (12/8/2009 Terminated)

Missouri

Registered Investment Advisory firm - (12/8/2009 Terminated)

Nevada

Registered Investment Advisory firm - (12/31/2009 Terminated)

New Jersey

Registered Investment Advisory firm - (12/8/2009 Terminated)

New York

Registered Investment Advisory firm - (11/19/2009 Cancelled)

North Carolina

Registered Investment Advisory firm - (12/8/2009 Terminated)

Ohio

Registered Investment Advisory firm - (12/8/2009 Terminated)

Pennsylvania

Registered Investment Advisory firm - (12/10/2009 Terminated)

South Carolina

Registered Investment Advisory firm - (12/8/2009 Terminated)

Tennessee

Registered Investment Advisory firm - (12/23/2009 Terminated)

Texas

Registered Investment Advisory firm - (12/8/2009 Terminated)

Virginia

Registered Investment Advisory firm - (12/9/2009 Terminated)

Wisconsin

Registered Investment Advisory firm - (12/8/2009 Terminated)

Why is a state registration marked "Terminated"? When a firm registers with the SEC (usually after managing $100M+ AUM), it often withdraws separate state firm registrations unless required by that state. The firm can still serve clients there through its individually registered Investment Advisor Representatives (IARs).

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

Indiana
(2/10/2026)

IAR

North Carolina
(3/23/2026)

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

Series 63

Date: 10/23/2025

Uniform Securities Agent State Law Examination

State Security Law Exam

IAR

Series 65

Date: 10/8/2025

Uniform Investment Adviser Law Examination

General Industry/Product Exam

Series 6TO

Date: 9/15/2025

Investment Company Products/Variable Contracts Representative Examination

General Industry/Product Exam

SIE

Date: 6/17/2025

Securities Industry Essentials Examination

Current Firm

GRADIENT INVESTMENTS, LLC

GRADIENT INVESTMENT GROUP LLC | REGISTERED INDEPENDENT ADVISORS, LLC | REGISTERED INDEPENDENT AGENTS, LLC | GRADIENT INVESTMENTS, LLC

CRD#: 141726 / SEC#: 801-70812

RIA

Registered Investment Advisory firm - (12/1/2009 Approved)

Alabama

Registered Investment Advisory firm - (1/20/2010 Terminated)

Arizona

Registered Investment Advisory firm - (12/8/2009 Terminated)

California

Registered Investment Advisory firm - (12/9/2009 Terminated)

Colorado

Registered Investment Advisory firm - (12/10/2009 Terminated)

Florida

Registered Investment Advisory firm - (12/8/2009 Terminated)

Idaho

Registered Investment Advisory firm - (12/8/2009 Terminated)

Kansas

Registered Investment Advisory firm - (12/8/2009 Terminated)

Maryland

Registered Investment Advisory firm - (12/21/2009 Terminated)

Minnesota

Registered Investment Advisory firm - (12/8/2009 Terminated)

Missouri

Registered Investment Advisory firm - (12/8/2009 Terminated)

Nevada

Registered Investment Advisory firm - (12/31/2009 Terminated)

New Jersey

Registered Investment Advisory firm - (12/8/2009 Terminated)

New York

Registered Investment Advisory firm - (11/19/2009 Cancelled)

North Carolina

Registered Investment Advisory firm - (12/8/2009 Terminated)

Ohio

Registered Investment Advisory firm - (12/8/2009 Terminated)

Pennsylvania

Registered Investment Advisory firm - (12/10/2009 Terminated)

South Carolina

Registered Investment Advisory firm - (12/8/2009 Terminated)

Tennessee

Registered Investment Advisory firm - (12/23/2009 Terminated)

Texas

Registered Investment Advisory firm - (12/8/2009 Terminated)

Virginia

Registered Investment Advisory firm - (12/9/2009 Terminated)

Wisconsin

Registered Investment Advisory firm - (12/8/2009 Terminated)

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Contact information

Main Address

4105 Lexington Avenue North Suite 250, Arden Hills, MN 55126

Mailing Address

Phone number

(888) 824-3525

Established

Firm type

Fiscal year end

# of Employees

SEC notice filing (52 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

FORM ADV PART 2A AND 2B (2/4/2026)

Regulatory assets under management

Total Number of Accounts	77,311
AUM (Assets Under Management)	$ 8,201,136,002

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

Paul J. Howland

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Paul Jacob Howland's CRS (Customer Relationship Summary).

Certified licenses

Experience

GRADIENT INVESTMENTS, LLC

EQUITY SERVICES, INC.

EQUITY SERVICES, INC.

Primary Firm SEC Registration

GRADIENT INVESTMENTS, LLC

State Registrations and Notice Filings

Exams

Series 63

Date: 10/23/2025

Series 65

Date: 10/8/2025

Series 6TO

Date: 9/15/2025

SIE

Date: 6/17/2025

Current Firm

GRADIENT INVESTMENTS, LLC

Contact information

SEC notice filing (52 States and Territories)

Documents

Part 2 Brochures

Regulatory assets under management

Red Flags

Company Information

GRADIENT INVESTMENTS, LLC

TRUST BUT VERIFY

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